Choice One Insurance

Car Insurance in Florida

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Choice One Insurance | Insurance in Florida

Finding the right car insurance in Florida doesn’t have to be complicated. At Choice One Insurance, we help drivers across the Sunshine State explore coverage options, compare policies, and understand their choices—so they can feel confident on the road. Whether you’re a new resident or a long-time Florida driver, our team is here to guide you through the process with personal attention and local insight.

Car Insurance Florida

What Makes Car Insurance in Florida Unique?

Florida is one of a handful of states that follows a no-fault car insurance system. That means drivers typically turn to their own insurance provider for medical expenses after an accident, regardless of who was at fault. In Florida, drivers are also required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage at minimum.

Weather, population density, and local regulations can all affect what types of car insurance Florida drivers may want to consider. Our licensed agents at Choice One Insurance help you navigate these variables so you can make informed decisions based on your needs and location.

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Who Needs Car Insurance in Florida?

If you own or lease a vehicle in Florida, you’re generally required to have insurance that meets the state’s minimum requirements before you can legally drive. These requirements may apply whether you’re using the car every day or only occasionally. Even if your car is not in frequent use, failing to carry active coverage can result in fines or suspension of your driving privileges.

For new residents, Florida law requires you to register your vehicle and obtain car insurance from a Florida-licensed insurer within a specific timeframe after establishing residency. Choice One Insurance offers support through this transition to ensure your coverage aligns with state laws and your personal driving situation.

  • Florida drivers have access to a variety of auto insurance options beyond the state minimums. Common coverage types include:

    • Bodily Injury Liability: May help cover costs if you are found responsible for injuries to another person in an accident.
    • Uninsured/Underinsured Motorist: Designed to protect you if you’re involved in a collision with a driver who doesn’t have adequate insurance.
    • Collision Coverage: Can assist with repair costs if your vehicle is damaged in an accident, regardless of who is at fault.
    • Comprehensive Coverage: May provide protection for non-collision events such as theft, vandalism, or weather-related damage.
    • Medical Payments Coverage (MedPay): Optional in Florida, this may help with medical expenses not fully covered by PIP.

     

    Our team works with you to review your situation and discuss which coverages might make sense for your vehicle, lifestyle, and budget.

  • Several factors influence the cost of car insurance in Florida. These can include:

    • Your driving record and claims history
    • The type and age of your vehicle
    • Where you live in Florida
    • Your age, gender, and credit score (where permitted)
    • Annual mileage and vehicle use

     

    Florida’s diverse geography—from bustling cities like Miami and Tampa to quieter areas in the Panhandle—can lead to rate differences based on location. At Choice One Insurance, we take the time to explain how each factor might impact your premiums and offer ways you may be able to lower your costs over time.

  • Yes, most Florida car insurance policies are highly customizable. In addition to standard coverage options, many insurers offer add-ons like:

    • Roadside assistance
    • Rental reimbursement
    • Gap insurance
    • Custom parts and equipment coverage

     

    At Choice One Insurance, we represent multiple carriers, allowing us to tailor quotes based on what matters most to you. Whether you’re insuring a family SUV, a classic convertible, or a commuter sedan, we’ll walk you through the available features so you can choose with confidence.

  • If you’re involved in a car accident in Florida, your first priority should be safety. Once everyone is safe and emergency services have been contacted, it’s important to gather details such as the other driver’s information, photos of the scene, and witness statements if available.

    Because Florida is a no-fault state, you’ll usually file a claim through your own insurer for any immediate medical costs, regardless of who caused the accident. Additional claims for property damage or more serious injuries may be handled differently. Choice One Insurance can assist you with understanding the claims process and next steps, helping you stay informed and supported.

  • We’re more than just an insurance agency—we’re part of the Florida community. Our experienced agents provide personalized service and take the time to understand your unique needs. With access to multiple insurance carriers, we’re able to compare options and help you find a policy that suits your budget and goals.

    Whether you’re a first-time car owner, a parent insuring multiple vehicles, or someone looking to reevaluate your current policy, our team is ready to assist. Our goal is to simplify the insurance experience so you can focus on enjoying life in Florida.

Car Insurance Florida

How Can You Get a Quote from Choice One Insurance?

Getting started is easy. You can request a free, no-obligation car insurance quote by reaching out to us online. We’re here to answer your questions, explain your options clearly, and help you find car insurance that fits your needs in Florida.

Contact Choice One Insurance today to learn more about car insurance in Florida and how we can help you make the right choice.

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18400 SW 97th Ave, Ste 100
Cutler Bay, FL 33157

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