Why Florida Drivers Trust Advantage Insurance for Auto Insurance
Florida auto insurance can be complicated and expensive—but at Advantage Insurance, we make it simple, affordable, and reliable. At Advantage Insurance, we make the process simple, stress-free, and cost-effective—by comparing policies from top-rated insurance companies to find the right match for your needs and budget.
We’re an independent insurance agency, which means we work for you, not the insurance company.
What Does Florida Auto Insurance Cover?
Here are the standard coverages required and recommended for Florida drivers:
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Personal Injury Protection (PIP): Required in Florida, covers medical expenses regardless of fault.
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Property Damage Liability (PDL): Also required, this pays for damage you cause to others’ property.
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Bodily Injury Liability (BIL): Not mandatory but highly recommended—it covers injuries to others when you’re at fault.
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Comprehensive & Collision: These optional coverages pay for damage to your vehicle due to accidents, weather, theft, or vandalism.
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Uninsured/Underinsured Motorist: Protects you when the other driver has little or no insurance.
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Gap Insurance: Useful for newer vehicles with loans or leases.
💡 Tip: Not all policies are created equal. We’ll help you understand what you actually need so you don’t overpay or leave yourself exposed.
What Impacts Your Auto Insurance Rates in Florida?
Your rate depends on multiple factors, including:
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Your driving history
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Type of vehicle
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ZIP code (yes, your neighborhood matters)
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Credit score
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Prior insurance coverage
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Age and gender
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Annual mileage
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Type of coverage and deductibles you choose
At Advantage Insurance, we help you identify savings opportunities—like bundling policies, safe driver discounts, and telematics programs.
Why Choose Advantage Insurance?
✅ We shop Florida’s top carriers for you
✅ We understand the local markets—flood zones, hurricane risk, and local regulations
✅ We offer more than just car insurance—home, flood, business, and specialty vehicles too
✅ Award-winning customer service with real people, not 1-800 numbers
✅ Support through claims—you’re not alone when something goes wrong
🛠️ Have a unique vehicle? We also offer coverage for motorcycles, RVs, ATVs, and more!
Tips to Maximize Your Coverage and Savings
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Bundle your home and auto: Most companies offer significant savings when you bundle.
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Review your policy annually: Rates change—let us check to see if a better deal is out there.
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Use telematics: Apps or devices that track safe driving can lead to major discounts.
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Keep a clean driving record: Accidents and violations stick around for years.
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Raise your deductible (if financially feasible) to lower your premium.
➡️ Get a quote now or call us at (863) 937-9733 to speak with a licensed agent.
FAQ
Q: Do I need uninsured motorist coverage in Florida?
A: While not required, uninsured motorist coverage protects you if a driver hits you and doesn’t have insurance or has too little. Given the high rate of uninsured drivers in Florida, it’s highly recommended.
Q: Is Florida auto insurance required by law?
A: Yes, Florida law requires every registered vehicle to carry a minimum of Personal Injury Protection (PIP) and Property Damage Liability (PDL). These are the foundational components of Florida auto insurance. While Bodily Injury Liability isn’t required, it’s strongly recommended to protect your finances if you’re at fault in an accident. Our team at Advantage Insurance can help you build a policy that meets legal requirements and provides real peace of mind.
Q: Can I get auto insurance without a Florida driver’s license?
A: In some cases, yes. Advantage Insurance Lakeland works with companies that offer policies to out-of-state residents, foreign nationals, or people in the process of getting their Florida license.
Q: How can I lower my car insurance premium in Florida?
A: You can lower your premium by maintaining a clean driving record, increasing your deductible, enrolling in telematics or safe driving programs, and reviewing your policy annually. At Advantage Insurance, we’ll shop multiple carriers to ensure you’re getting every available discount.
Q: What happens if I’m involved in an accident with an uninsured driver?
A: If you’re hit by an uninsured driver in Florida, your Personal Injury Protection (PIP) will cover your injuries up to your policy limit. However, Uninsured Motorist (UM) coverage is essential for additional protection—it helps cover medical bills, lost wages, and pain and suffering. We strongly recommend adding UM coverage to your policy, and our agents can explain your options.
Coming Soon: More Ways to Save on Florida Auto Insurance
At Advantage Insurance Lakeland, we believe in helping drivers make informed decisions. That’s why we’re rolling out a series of in-depth articles covering essential topics related to Florida auto insurance.
Here’s a sneak peek at what’s coming:
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Top 7 Auto Insurance Discounts Every Florida Driver Should Know
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How PIP Coverage Works in Florida (And What It Doesn’t Cover)
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What to Do After a Car Accident in Florida
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Should You Add Uninsured Motorist Coverage in Florida?
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How to Bundle Home and Auto Insurance in Florida for Maximum Savings
Bookmark this blog and check back regularly—or contact us to speak with a licensed agent today about your Florida auto insurance needs.
Because when it comes to protecting what matters most, Advantage Insurance is here to drive you forward.
Helpful Resources
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Florida Highway Safety and Motor Vehicles – Insurance Requirements
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Florida Auto Insurance Quotes – Ready to get a quote for Florida auto insurance? Contact Advantage Insurance Lakeland today