Start With Current Official Information
Florida auto insurance rules and policy requirements can change. Before making a coverage decision, confirm current requirements with the Florida Department of Highway Safety and Motor Vehicles, the Florida Office of Insurance Regulation, or a licensed insurance professional.
Questions to Discuss
Ask which coverages are required for your circumstances, how a policy handles injuries or property damage, what documentation you should keep, and whether a lender or lease agreement has additional requirements. You can also discuss optional coverages that may fit your vehicle, budget, and risk tolerance.
Review Your Policy Carefully
Read the declarations page, limits, deductibles, exclusions, and endorsements before purchasing or changing a policy. A licensed agent can help explain how the policy you are considering applies to your situation.