Auto Renewal Rescue
for Florida Drivers

Your premium increased more than 10% at renewal

Florida auto rates have risen sharply. A 10%+ increase is a strong signal to shop — competing carriers may offer the same coverage for less.

You haven't compared rates in more than 2 years

Loyalty doesn't pay in auto insurance. Carriers often offer their best rates to new customers, not long-term policyholders.

You're paying for comprehensive on a vehicle worth under $4,000

If your car's value is close to your deductible, comprehensive and collision coverage may cost more than it's worth.

Your driving record has improved since your last policy

Tickets and accidents fall off your record after 3–5 years. If your record has cleared, you may qualify for significantly lower rates.

You added a teen driver and haven't shopped since

Teen driver surcharges vary enormously by carrier. Shopping at renewal can save $500–$1,500/year on the same coverage.

You're not bundling auto with home or renters insurance

Multi-policy discounts of 10–25% are common. If your auto and home are with different carriers, you're likely leaving money on the table.

Your liability limits are still at Florida's state minimum

Florida's minimum ($10,000 PIP / $10,000 PDL) is among the lowest in the nation. A single accident can exceed these limits and expose your assets.