Auto insurance that's been shopped for you.

Cars, trucks, motorcycles, boats and RVs, quoted across multiple carriers in one conversation.

What it covers

An auto policy is a stack of separate coverages. Here is what each one actually does — in plain English.

Liability (Bodily Injury & Property Damage)
Pays for injuries or damage you cause to other people. Required in all five states we serve — and the piece most people under-buy.
Collision
Repairs or replaces your car after a crash, regardless of who was at fault. Subject to your deductible.
Comprehensive
Theft, hail, flood, fire, vandalism, falling trees, hitting a deer. A big one in Florida and Texas.
Uninsured / Underinsured Motorist
Covers you when the other driver has little or no insurance. Florida has one of the highest uninsured-driver rates in the country.
Personal Injury Protection (PIP)
Required in Florida. Pays your medical bills and lost wages no matter who caused the accident.
Medical Payments
Smaller medical coverage for you and your passengers. Common in Georgia, the Carolinas, and Texas.
Rental Reimbursement & Roadside
Low-cost add-ons that pay for themselves the first time you need a tow or a rental while your car is in the shop.
Gap Coverage
If you owe more on the loan than the car is worth, gap covers the difference after a total loss.

Availability varies by state and situation.

State minimums — and why we recommend more
State	Minimum required
Florida	10/20 bodily injury under the Financial Responsibility Law, plus $10k property damage and $10k PIP.
Texas	30/60/25 — $30k per person, $60k per accident, $25k property damage.
Georgia	25/50/25.
South Carolina	25/50/25 plus matching uninsured motorist coverage.
North Carolina	50/100/50 (increased in 2025) plus uninsured/underinsured motorist coverage.

Minimums are the legal floor, not a recommendation; most clients carry more.

Minimums protect the other driver, not you. Our office recommends higher limits — we will walk you through what makes sense for your situation.

Deductible: What you pay out of pocket before coverage kicks in. A higher deductible means a lower premium.
Premium: Your cost for the policy — usually billed monthly or every six months.
Limits (e.g. 25/50/25): $25k per person for injuries, $50k per accident, $25k for property damage. Those are maximums, not guarantees.
"Full coverage": Not a real policy term. It usually means liability + collision + comprehensive — but always check the limits.
Declarations page: The one-page summary of your policy: who, what, how much, and for how long. Keep a copy in the glovebox.
Named driver exclusion: A household member specifically not covered on the policy. Useful in some cases, dangerous if misunderstood.

Will my rate go up after a claim?

Often, but not always. It depends on fault, the type of claim and the carrier. If your renewal jumps after a claim, we re-shop it.

Do I need full coverage on a paid-off car?

No law or lender requires it. It comes down to what the car is worth versus what collision and comprehensive cost. We can quote it both ways.

Can you insure motorcycles, boats and RVs?

Yes, with several of our carriers, often on their own policy.

What if my coverage lapsed?

Get covered as soon as you can. A lapse can raise rates, but several carriers accept recent lapses. Tell us the dates and we'll quote around it.

Do I need special coverage for rideshare or delivery driving?

Usually yes. Most personal policies exclude it, so you need a rideshare endorsement or a commercial policy. Tell us which apps you drive for.

Mon–Fri 9am–5pm ET. After hours, book a time and we'll call you.