Better Auto Coverage at a Better Price
Florida drivers deserve great coverage without overpaying. We compare top carriers to find the right auto insurance for your vehicle, driving record, and budget.
Auto Insurance Carriers We Work With
Why Florida Drivers Choose Us
Our licensed Florida agents help you find the right coverage at the right price.
Competitive Rates
We shop multiple carriers simultaneously so you get the most competitive rate for your driving profile — without spending hours calling around.
Fast Quotes
Get a personalized auto insurance quote in minutes. Our agents can often bind coverage the same day so you're never left unprotected.
Claims Support
When you need to file a claim, we're in your corner — helping you navigate the process and communicate with your carrier for a faster resolution.
Auto Coverage Options
Every situation is different — we'll help you find the plan that fits your life and budget.
Basic Coverage
Florida minimum required coverage to keep you legally on the road.
- Personal Injury Protection (PIP)
- Property Damage Liability
- Meets Florida state minimums
- Affordable monthly premiums
- SR-22 filing available
Full Coverage
Comprehensive protection for your vehicle and liability — the smart choice for most drivers.
- Liability (bodily injury & property)
- Collision coverage
- Comprehensive (theft, weather)
- Uninsured/underinsured motorist
- Roadside assistance add-on
Commercial Auto
Coverage for business vehicles, fleets, and rideshare drivers operating in Florida.
- Business vehicle coverage
- Fleet discounts available
- Hired & non-owned auto
- Rideshare (TNC) coverage
- Cargo & equipment options
Frequently Asked Questions
Have more questions? Call us at (716) 424-5479.
What is the minimum auto insurance required in Florida?
Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. However, these minimums often aren't enough to fully protect you — we recommend higher limits.
Will my rates go up after an accident?
It depends on the carrier and whether you were at fault. Some carriers offer accident forgiveness programs. Our agents can help you find carriers with the most favorable policies for your driving history.
Can I insure multiple vehicles on one policy?
Yes. Multi-vehicle policies typically come with a discount. We can bundle all your household vehicles — including motorcycles and RVs — onto one convenient policy.
Do you offer coverage for high-risk drivers?
Yes. We work with carriers that specialize in non-standard auto insurance for drivers with tickets, accidents, DUIs, or lapses in coverage.
Serving South Florida & All of Florida
Licensed Florida agents based in Homestead, proudly serving families and businesses across Miami-Dade, Broward, Palm Beach, and Monroe counties — and statewide.
Bilingual Service — English & Spanish
Our agents are fully bilingual. Whether you prefer English or Spanish, you'll get the same expert guidance, clear explanations, and personal attention — in the language you're most comfortable with.
Florida-Licensed & Independently Owned
We're not a call center. We're a locally-owned, Florida-licensed agency based in Homestead — your neighbors, not a 1-800 number. We know the Florida market, the carriers, and the communities we serve.
What Our Clients Are Saying
Real reviews from real Florida families — straight from Google.
Yamilka García Gil
May 2026
"Excellent service! He was extremely efficient, professional, and attentive throughout the entire process. He took the time to carefully understand both my child's and my needs and worked hard to find the best insurance options for us. I truly appreciated his patience, knowledge, and dedication. I highly recommend him to anyone looking for reliable and personalized help with health insurance."
Yt Capolot
June 2026
Jamie helped a lot — fast responder and gets the best plans for you and your loved ones. Would recommend 100 percent.
Sinahi Cardero
May 2026
Thanks to Jaime and his team at Just Insurance Services for all the help with my health and car insurance. I highly recommend them! They are very professional.
Leydis Ricardo Santiesteban
October 2025
I want to thank the team for their excellent service. They treated me with great courtesy and efficiency, and helped me at every turn. It was a very good experience.
Nathalia Vargas
September 2025
The person who helped me through the process of getting the health insurance that best suited my personal medical needs was extremely professional, respectful, and able to answer all my questions. Thank God and him, I'll soon be able to see the specialists I need!
Marlon Vazquez
September 2025
Very friendly and very good service. Thank you!
Also Explore
We review all your coverage together — so nothing falls through the cracks.
Ready to get covered?
Get a free, no-obligation quote today. A licensed Florida agent will reach out within 1 business day.
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