Before you sign that auto insurance policy, there are four critical things you need to verify: your personal information, coverage levels, deductibles, and uninsured motorist protection. Don’t sign until you understand what you’re buying.
Shopping for auto insurance in Florida can feel overwhelming, but signing a policy without understanding the details can cost you dearly. Before you put pen to paper—or click “accept”—take a moment to verify these four essential items:
Your information is correct.
Check that your name, the listed drivers, and the vehicles on the policy are accurate. Even a small typo can cause claim denials later.
You understand your coverage levels.
Liability coverage pays for damage and injuries you cause to others. Do you know your limits? Are they enough to protect your assets in a serious accident?
You know your deductibles.
A lower premium often means a higher deductible. Make sure you can afford the out-of-pocket cost if you need to file a claim.
You have uninsured/underinsured motorist coverage.
Florida has one of the highest rates of uninsured drivers in the nation. This coverage pays for your medical expenses if you're hit by someone with no insurance—or not enough insurance—to cover your bills.
Why this matters:
The cheapest policy isn’t always the best value. An experienced independent insurance agent can explain your options, help you balance cost and protection, and ensure you’re not caught off guard when you need your coverage most.
Need a second look?
We’re happy to review your auto insurance policy—no obligation, no pressure. Just clarity and peace of mind.
