Auto Insurance

Florida West Insurance Inc Is an Independent Insurance agency that gives us the ability to offer many choices when it comes to your home and auto insurance.

You are not ‘Boxed In’ to one particular company and its rules. We can search through all of our companies and design a plan that works best for your family’s needs.

30% of Florida Drivers are uninsured or underinsured!

Auto Insurance

At Florida West Insurance our knowledgeable and experienced agents can guide you through the quagmire of auto Insurance as well. Although we are considered a No-Fault State, the rates are higher than most In the United States.

Did you know that around 30% of drivers in Florida are uninsured or underinsured? That means you have a great chance of being In an accident with someone who will not have the coverage necessary to repair your vehicle or cover your injuries.

Did you know that a family who has higher limits such as 100/300/100 for bodily injury and property damage will pay less than someone who is only carrying 10/20/10?

How can I purchase more insurance and cost less?
Insurance companies have many things they look for to decide what rate will cover your particular risk and they consider those people carrying the higher limits a better risk. Those people are buying the coverage they feel Is necessary for a worst-case scenario in the event they are in a car accident.

Here are a few more ways to save money on your auto insurance

  1. Owning a home
  2. Being married
  3. Over 25 years of age
  4. Accident free
  5. Paid In Full discounts
  6. Multiple Car discount
  7. Paying by Electronic funds monthly
  8. Having good credit

More Ways to Save Money on Your Auto Insurance

  • Having an email account
  • Taking 55 mature driver course
  • Paying in full
  • Having good credit
  • Having Continuous Coverage
  • Having vehicle safety features
  • Insuring multiple cars
  • Being a good student
  • Having higher limits
  • Using Electronic Funds Transfer


Auto Insurance Necessities

Bodily Injury

Bodily injury pays for serious and permanent injury or death to others when you cause an accident. It also provides you with legal defense in the event you are sued by the injured party.

Uninsured Motorist/underinsured Motorist (Um)

UM covers you if you are in an accident with someone who does not have insurance. UM also protects you if you are the victim of a “hit and run”.

Medical Payments

Medical payments provide coverage for medical, hospital, and continuing care expenses. This coverage is extremely affordable and is very important to people who do not have health insurance or a high deductible on their health insurance.

For more information on COLLISION COVERAGE, COMPREHENSIVE COVERAGE, or STACKED/NON-STACKED COVERAGE please contact us directly at 813-886-4446.

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