Auto Insurance


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Below are two Examples of Recent Proposals

Sample Quote (6 Months) 2016 TOYOTA CAMRY
Bodily Injury $100,000 / $300,000
Property Damage $100,000
Uninsured Motorist $100,000 / $300,000
Collision $500 Deductible
Comprehensive $500 Deductible
Rental Reimbursement $30 Per Day x 45 days

Sample Quote (6 Months) 2016 FORD F-150
Bodily Injury $100,000 / $300,000
Property Damage $100,000
Uninsured Motorist $100,000 / $300,000
Collision $500 Deductible
Comprehensive $500 Deductible
Rental Reimbursement $30 Per Day x 45 days

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    Auto Insurance | L & C Insurance Providers

    In the event of an accident, L & C Insurance Providers offer protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

    Florida drivers are required to have a minimum of property damage coverage and personal injury protection. Liz Fernandez at L & C Insurance Providers can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

    Liz Fernandez at L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the L & C Insurance Providers Insurance promise.

    Simply call 888-913-6988 or complete our online quote request form.

    Auto Insurance FAQs

    What is Florida Auto Insurance?

    It is a contract between you and your insurer in which you pay a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

    Whether you currently own an automobile or are a prospective buyer in Florida, you can get a Free Auto Insurance quote today.

    Simply call 888-913-6988 or complete our online quote request form.  One of our agents will help you find the best deal for you in Florida.

    Why Do You Need Auto Insurance?

    Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

    What does auto insurance cover?

    • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
    • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.
    • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
    • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, under-insured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
    • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.
    • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

    Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

    Yes. L & C Insurance Providers owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

    What is a deductible on my auto policy?

    In the event of a claim, this is the amount you will have to pay before your policy pays.

    What's the difference between comprehensive and collision?

    Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

    What are the Florida state required limits for auto insurance?

    Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

    What is uninsured motorist coverage?

    Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

    I just moved to Florida. Is coverage the same from state to state?

    No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

    Do I have to turn in my out of state tags and get new ones from Florida?

    Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

    What is the Florida Financial Responsibility Law?

    The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

    What is the Florida No-Fault Law?

    The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

    Why should I buy my auto insurance from  L & C Insurance Providers ?

    1. Most customers save money because we offer some of the most competitive rates around.
    2. You can reach us any time, day or night, any day of the year.
    3. You deal directly with a  L & C Insurance Providers agent.
    4. We help you settle your claims quickly and fairly.

    Simply call 888-913-6988 or complete our online quote request form. One of our agents will help you find the best deal for you.

    Striving for perfection

    We work hard everyday to provide the very best

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    Why Us?

    We know that you have choices when it comes to choosing an auto insurance company.

    All we ask is that you give us an opportunity to show you what we can do for you. We will not disappoint you.

    Over 10 Years Experience

    We are a Florida Independent Insurance broker. We have been helping Floridians for over 10 years. We only work with Rated A+ companies, so you don't have to worry in the event of a claim. All of our carriers offer 24/7 claim support.

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