Category Archives: FAQs | Car Insurance

11 Naples Florida Car Insurance

Cheap Car Insurance Naples Florida

Are you overpaying for your car insurance?  Do you think you could get a better coverage for less money?

If the answer to the above questions is in the affirmative, then read on. We can help!

LNC Insurance Providers has been serving the sunshine state for over a decade. We have great rates on auto insurance, truck insurance, motorcycle insurance, commercial auto insurance and more! With offices in both Miami and Naples, as well as satellite presences throughout Florida, we are committed to helping you find the best rates without having to compromise on the quality of coverage.

If you are looking for a Car Insurance Quote, then all you have to do is follow the instructions below.

We can deal by phone, emails, or you can come by to say hello and meet us for an informative chat. We are confident you'll be happy you did.


CALL: 1 (239) 431-3515

We have access to Discounts and Special Program Offers

  1. Safe Driver Multi Line Discount
  2. Smart Driver
  3. Student Driver
  4. Good Driver
  5. Accident Free Driver

Our address in Naples:

660 9th Street North #35A, Naples FL 34102
Phone: 239-431-3515

What makes our agency stand out from the competition?

We don't just specialize in affordable, cheap car insurance in Naples. We are a family owned and operated insurance agency and we pride ourselves in offering the very best customer service. We can also provide you with the most competitive car insurance quote Naples.

Who do we work with?

As an independent agency, we only work with A+ Insurance Carriers

  • The Hartford
  • Zurich
  • Starr
  • Metlife
  • Progressive
  • Hiscox
  • Liberty Mutual

Car Insurance Quote Naples

Send us your request in confidence. We do not share emails and potential customers private information with anyone. When you fill an application on our website, we, (LNC Insurance providers employees) are the only people you'll ever hear back from. And we will not hog your email box with incessant email reminders either. We know what it feels when it happens to us, and we would never do it to others.

    Information in the red box below is required

    Personal information

    Other Drivers in you Household

    Information about your car

    FR44 or SR22 Filing

    Did you know?

    People often over pay for their car insurance and they don't always know it.

    Here's a scenario that might sound familiar, and when you should get a car insurance quote:

    1. You have have driven your car for a number of years and over the times, your driving record has improved.
    2. Your car or truck which you own has depreciated over time.
    3. Carriers are running specials
    4. You have taken safe training classes

    Everything you need to know about car insurance in Naples?

    There is a reason why Naples is such a lovely place to call home. Nested along the Gulf of Mexico, this area of Southwest West Florida features some of the most breathtaking vistas and beaches in the land. In fact, Naples has become such a trendy destination for people who want to part take in its lifestyle that over the years, traffic has become an issue, particularly during peak tourist times when it can become downright congested. As such every driver should be prepared with a comprehensive Naples car insurance policy.

    If you are a Naples driver looking for cheap auto insurance, then we can definitely help. Call us for a friendly chat and let us work out a policy that offers you the most coverage for a price that fits your budget.  Protect yourself, your family and others against Naples modern driving risks.

    Here are some information you might want to consider:

    1. The national average cost per year for auto insurance is $1,311
    2. In Florida, this figures goes as high as $1,742
    3. Making Florida the fifth most expensive state in the US for auto premiums

    Florida Car Insurance: What are the requirements?

    Auto insurance is mandated by law in the state of Florida. Minimum coverage starts at $10,000 (individual injuries), $20,000 (total injuries) and $20,000 (resulting property damage).

    The above are the strict mandated minimums as required by law.  It is just a starting point and your car insurance policy should be broader than that. As a result, there are a number of options for extra coverage and it is important to realize that analyzing these extras with the right people can save you thousands of dollars every year.


    CALL: 1 (239) 431-3515

    Uninsured motorists in Florida. One of the reasons for high auto insurance premiums

    For some reason, Florida has the in-enviable distinction for the highest number of uninsured drivers at 23.8 % compared to the national average of 12.6 %

    Number of auto thefts in Florida

    Florida fares better than the rest of the nation in terms of car theft at 2.48 for 1,000 vehicles compared to 2.94 elsewhere.

    When we buy a new car, auto theft rarely crosses our mind as a possibility that we might have to deal with. We think about other risks such accidents, vandalism etc... but theft is seldom something we focus on. Perhaps this is borne by the numbers as 2.48 cars are stolen for every 1000 cars and the odds of us featuring in that number are pretty poor. Nevertheless, it is important to secure a policy that includes total coverage for auto theft in the car insurance plan.

    Take action now. Find a great Naples Car Insurance Policy

    Finding a Naples car insurance package that offers the maximum protection for the least amount of money is easier said than done. But we can help by finding you the best coverage at the most affordable price. Our Florida based agents have an expertise in the car insurance market throughout the sunshine state of Florida and we can bring that expertise forward and help you in your quest.


    CALL: 1 (239) 431-3515

    11 Cheap Car Insurance Tampa, Florida

    Car Insurance Tampa

    We all want to save money, and if you are looking for cheap car insurance in Tampa, then this is the place to start.

    How Do You Find Cheap Car Insurance in Tampa?

    Get a free Tampa car insurance estimate. Choose one the options below:

    [su_button url="tel:1-888-913-6988" style="flat" background="#0088CF" size="12" wide="yes" center="yes" radius="10" text_shadow="0px 0px 0px #000000"]CALL TODAY[/su_button] [su_button url="#" style="flat" class="nks_cc_trigger_element" background="#0088CF" size="12" wide="yes" center="yes" radius="10" text_shadow="0px 0px 0px #000000"]GET A QUOTE[/su_button]

    We can help you find the cheapest car insurance in Tampa, Florida

    Cheap Insurance Estimate Tampa, FLI'm Liz, and I specialize in matching our agency's customers with the best and cheapest car insurance quotes in Tampa and all across our great state of Florida. Of course, we don't just provide the best rates on cheap car insurance policies, but we also provide coverage for a range of insurance services including homeowners, commercial, bikes, boats and more.

    If you have been on the lookout for a cheap car insurance, one that fits your car insurance needs in Tampa, Florida, then I can personalize an auto insurance quote for you today.

    Of course, the rate we can get you will depend largely on various factors which are not always under our control. For example, credit score, age, gender, marital status etc are all factors that insurance providers will assess when looking at writing a policy for a driver.

    Tampa, FL

    We live in the era of online shopping where finding a car insurance is, at first glance, an easy task. The logic is simple: you pick up the phone, dial the toll free number of one of the major insurance providers in the nation, find the insurance coverage that you need. In the real world, though, the reality is somewhat different as those "easy" phone calls are a little more challenging than we might have thought and the "agents" we speak to don't always have any expertise in the insurance industry as a whole, let alone in Tamp, FL.

    Serious shoppers know that the one phone call is never sufficient to form an accurate opinion of what the options are so the message is clear: Make multiple phone calls, talk to multiple companies, take copious notes and spend time you don't have, use an expertise you might not necessarily possess to analyze and compare the insurance quotes you will have been given in the process.

    Indeed, finding a car insurance policy that meets your need is a whole lot more challenging than that. It's not impossible, but chances are you could save yourself a lot of your valuable time and money, on an insurance that is actually tailerd to your needs by calling our agency.

    Let us do all this work for you and the cool thing about putting us to work on your behalf is that you would end up saving a bunch of money in the process.

    Tampa FL Auto Insurance EstimateHere is what you need to remember about Tampa.

    When it rains in Tampa, it doesn't just rain, it pours.  Particularly during the summer months, which also happen to be the time of year most favored by hurricanes.

    Rain and the weather affect the way people drive and you'll need to remember that when you are on the road.

    Which leads nicely to the safety laws and requirements in Tampa.

    Seat Belt Law: Yes. Tampa may be one of the coolest cities in the world, but driving without a seat belt is not only not cool, but it is actually against the law. In Florida, front seat passengers must fasten their seat belt, and so do passengers under the age of 18. Children of 5 and under must be secured in a child restraint device,  a separate carrier, a child seat or a child booster seat. If you are the driver of a vehicle and one of your passengers, or yourself, do not comply with the above law, you will be held accountable.

    What about using the phone and or texting...

    The national Safety Council reports that cell phone use while drive leads to 1.6 million crashes each year. These accidents are responsible for over 390.000 injuries per year. 1 out of every 4 car accidents in the United States is caused by texting and driving.

    Beyond any cost consideration on the subject of Car insurance in Tampa, using your phone while driving is dangerous. And could affect your premium if,  subsequent to a car accident, the cause of said accident is perceived to be the use of a phone while driving.

    Everybody knows it, but every day,  people drive under the influence

    So what does that mean in Florida? Well, first know this: drivers of the age of 21 and be charged under the DUI law if their blood alcohol concentration (BAC) is 0.08 percent or more.

    How do you get to 0.08%?

    • For a person who weighs 100 lbs., it will take about three drinks an hour to reach a .08 BAC.
    • At 140 lbs., it takes about four drinks an hour to reach a .08 BAC.
    • At 180 lbs it takes about five drinks an hour to reach a .08 BAC.
    • At about 220 lbs it takes around six drinks an hour to reach a .08 BAC.

    Knowing what to look for and how the various options available to drivers in Tampa compute can help you make sure that you are making the right choice when choosing car insurance coverage. You can fill our online auto insurance form to find a free comparison of different auto insurance quotes and various rates from the top companies in Tampa, FL, or you can continue reading to learn more about finding the cheapest rates in this area. To get started, make sure you check this page: Auto Insurance Florida. Want to get started immediately? Why not call us now.

    Our Commitment To Find Cheap Car Insurance in Tampa

    If the cheapest car insurance coverage is what you need, my advice to you is to make sure that the policy meets with Florida State requirements. As such, make sure you deal with a knowledgeable agent who is familiar with the Florida market and knows of the conditions that make the perfect cheap car insurance possible.

    We can help you find cheap auto insurance by comparing various car insurance policies as offered by the top A+ insurance providers we deal with. We match drivers with cheap care insurance in Tampa all the time, and we want to do the same for you.

    Cost of Car Insurance in various Tampa Neighborhoods.

    Of course, we cannot hope to provide you with all the information you need for the selection of the perfect insurance for your automobile in one article, that's why we advise you to call us for a comprehensive and free car insurance quote, but we will attempt to address some key issues related to cost.

    To do so, we have selected 3 separate zip codes areas in Tamps so that you may have an idea of what you might have to pay. These 3 zips codes have been selected as we feel they are representative of what the auto insurance market in Tampa is like:

    • 33647 (New Tampa)
    • 33605 (Downtown Tampa
    • 33611 (South Tampa)

    The reality of price differences between densely populated urban areas and areas that are less so is particularly true in the case of Tampa. Indeed, residents in Downtown Tampa pay 15-18% more on their insurance premiums than their neighbors in New Tampa and South Tampa.

    Downtown Tampa Car Insurance Rates

    Tampa's business hub, Downtown Tampa is home to 7000 residents and this number has proved to be an ever growing statistic in recent years as the city has experienced a certain boom and definite growth. If you are looking for an auto insurance coverage, expect to pay premiums of $1,935, or $160 per month. If you are a 30 year old single male the monthly price is expected to be between $70 and $230. . Price largely depend on age, status, gender etc... For example, a married couple of over the age of 60 years old pay between $75 to $195 per month while a 21 year old single female would be looking at anything between $105 and over $300. If you live in and do business in Downtown Tampa, make sure you check our Business Owners Insurance.

    New Tampa Car Insurance Rates

    An area of 24 sq/mi in the northern part of Tampa, this part of the city has accounted for over 50% of Tampa's growth in recent years. Again, auto insurance premiums vary according to age, gender and other factors. Cheaper than their city dweller neighbors of Downtown Tampa, here, the annual auto insurance premiums is estimated at $1675. Single males, 30 years old pay an average of $69 to $229 per month. Sixty year old married couples pay $79 to $197 per month and a 21 year old single female can be expected to pah between $100 and $290 per month.

    South Tampa Car Insurance Rates

    Tucked between Hillsborough Bay (to the west) and Tamp Bay (to the east), in terms of cost, South Tampa sit between Downtown Tampa and New Tampa.

    The average insurance rate across demographics for South Tampa is $1,605 per year or $133 per month. If you are a 30 year old single males, your rates will vary between $75 and $210. Sixty year old married couples will pay between $71 to $175 per month, and 21 year old females can expect to fork out $100 to $270 each month.

    Compare Auto Insurance Rates in Tampa

    We always strive to find you the cheapest car insurance policy around, (from any-one of the carriers we trust), and trim the policy down to its bare minimum so that you do indeed pay the cheapest possible price, but our experience is that cheapest doesn't always mean you save money in case of an accident.

    When choosing an affordable car insurance policy, we explore the options as offered by our carriers and drill down the different layers of protection and how some might remain a must have in any combo you choose. Ultimately, we work for you and it is possible to trim down a policy to its bare minimum.

    In summary, the cost of a car insurance policy in Tampa, FL varies from carrier to carrier, from the options you select for yourself, the type of policy and other factors such as:

    • Your gender
    • Your age
    • Your credit score
    • Do you have at-fault accidents or tickets.
    • Make, model and year of the vehicle.
    • Which neighborhood your live in.

    You Can Save up to 50% on Your Car Insurance

    We provide cheap insurance Tampa policies designed to give you and your family the best combination of price and features. We show you how to earn various discounts as offered by carriers, and we help you find your way through the maze of how, by becoming a safer, more responsible driver, you can lower your premiums ever further.

    What about young drivers in your household

    Young age is thrill a minute and young folks live in a world of wonderful discoveries and possibilities.  They are also at a stage where learning is paramount in their young life. Youth and experience comes at a premium when it comes to auto insurance but keeping high grades can help lower these premiums. Call us for tips and ideas on the subject.

    How can you save even more

    Just like other Florida cities, car insurance rates in Tampa, FL are largely dependent on a number of factors, as mentioned above.

    1. Driving habits
    2. Length of a person's commute
    3. City vs Highway driving
    4. Safety history
    5. Past speeding or traffic violations tickets.

    An analysis is drawn based on the above (an more) factors in order to computer a rate that is applicable to your own circumstances. This analysis is conducted by the carriers themselves in order to determine the risk ratio for drivers. It's a rather complicated algorithm but don't worry: we will provide answers to all the questions you might have.

    Cheap Car Insurance Quote in Tampa, FLIn Tampa, just as in any city across Florida, location is a determining factor in computing  auto insurance rates. The crime rate of a particular neighborhood, it's driving condition and historical data on accidents will all be taken into consideration.

    And of course, there is credit score of an applicant The better your score is, the higher your odds are in securing a cheaper car insurance then in other cases.

    One quick and easy measure to implement if you want an ever more affordable premium for your car is to equip your car with an alarm and or anti theft device.

    Car Insurance Rates per Zip Code in Tampa, FL

    Car Insurance Rates per Zip Code in Tampa,FLThe most expensive zip code for Florida car insurance: FL 33607

    An average of $625 more than in other zip codes. Of course, as we alluded above, cost of a car insurance policy doesn't depend exclusively in the location, but things being equal, drivers fro the 33607 area pay more.

    For the cost conscious drivers, the cheapest car insurance in Tampa can be obtained by abiding to the minimum car insurance requirements as mandated by Florida law. Indeed, Florida car insurance laws dictate that a car insurance polity must have a $10,000 in property damage liability and $10,000 in personal injury protection (PIP).

    Bodily injury liability in Florida is not required but we highly recommend it. This optional provisions pays for injuries caused to others in case of an accident for which you responsible. (Florida is a no-fault state).

    Want to see how this zip code compares with others? Here is how:

    Best Car Insurance in Tampa

    Any car accident has the potential to put lives at risk. But even a minor accident can affect your savings and put your home in jeopardy in more ways then the average driver would care to consider, particularly if you only carry the state minimum coverage requirements. Protecting our customers assets is a consideration we always put forward and our recommendation is that you purchase liability insurance in the following amounts:

    • $300,000 to pay for injuries to others in any accident you cause
    • $100,000 to cover other parties' medical bills.
    • $100,000 to pay to damage to other parties' property damages.

    We also recommend a comprehensive coverage which replaces stolen cars and provides protection to damages to your car in the event of floods, vandalism and fire.

    Car insurance rates in Tampa, FL, like in most places in Florida are for ever evolving. As such, companies offer incentives which you might want to consider when deciding to renew your car insurance policy when the time comes for its yearly renewal. Call us now to find out how we can match you with an insurance estimate Tampa by helping you take advantage of a dozen or so options designed to save you money.

    Call for your Free Tampa, FL Car Insurance Quote

    Get a Free Boca Raton, FL Car Insurance Quote in If you drive in Tampa, you are required to carry car insurance. It's the law. Break it and you could land yourself in a heap of legal trouble. Likewise, the financial consequences of driving with a car insurance or a limited policy can be disastrous.

    Make sure you carry the type of car insurance that protects you and your family! Request your Free Tampa Fl Car Insurance Quote today.

    11 Cheap Car Insurance Rates in Florida

    Shopping for the Cheapest Car Insurance Rates in Florida

    If you are looking for Cheap Car Insurance Florida, then short of calling our expert insurance brokers, we have assembled sufficient information to give you a fair comparison on how rates vary from county to county.

    Nowhere else in the nation, is driving a car more fun than in Florida.  Of course, this a biased opinion expressed by a Floridian through and through and yes, I know... Other states can make similar claims. But hugging Florida impressive coastline is an experience to be hold, one to be enjoyed to the fullest, but only if you have the right kind of car insurance. Unfortunately, while driving is fun, Florida also leads the nation in one unfortunate aspect: insuring our car can be an expensive endeavor.  That assertion is true of course, unless you find a reliable insurance agency with intimate knowledge of the Florida Car Insurance market and who can guide you in your efforts to find the cheap car insurance rates in Florida, designed to fit within your budget, without compromising on the prime directive of such an insurance: to offer protection.

    • -> Who has The Cheapest Car Insurance Rates in Miami, FL
    • -> Best Car Insurance Quote inf St. Petersburg, FL
    • -> Looking for Auto Insurance in Orlando, FL
    • -> Best Auto Insurance Quotes in Jacksonville, FL
    • -> Who offers the cheapest Auto Insurance in Tampa

    Save Money on Car Insurance

    Call us now to find out how: 888-913-6988

    So Who Has Cheap Auto Insurance Rates in Florida

    We, at LNC Insurance Provides have been servicing Florida for more than a decade now, and as such, we are fully aware that car insurance rates can vary from company to company. Sometimes these differences can be quite substantial and even within the same city, there can be wide difference in premium costs. Who has cheap car insurance Florida is not as easy as it sounds as we are all too painfully aware of the pitfalls of "cheap" anything entails.  The same is true for insurance

    It is not uncommon to find cases where car insurance rates say Jacksonville, FL for example to be double, triple and even sometimes quadruple what drivers would pay in different cities. If there is one thing to take away from our analysis, it is that it pays to shop around. Just like you would do if If you were looking for the best rates in any other industry.

    We have included below a table analysis of typical premium costs for companies who offer auto insurance in our great state. It is summary of a Cheap Car Insurance Rates in Florida analysis which will serve as giving you enough information to get ahead.

    Cheap Car Insurance Rates in Florida

    Rank Auto Insurance Copany Annual Premium
    1 Florida Farm Bureau Insurance $381
    2 USAA $600
    3 Geico $605
    4 Auto-Owners $667
    5 State Farm $646
    6 Safeco $809
    7 Metlive $829
    8 Travelers $640
    9 Florida Farm Bureau Insurance $381
    10 Bristol West $877
    11 21st Century $976
    12 Travelers $640
    13 Florida Farm Bureau Insurance $381
    14 Progressive $1,077
    15 Esurance $1,123
    15 Allstate $1,250

    Of course, the above table is intended to show the differences in prices from company to company. For an accurate quote, please call our office and we will gladly review your options with you.

    It is important to remember that irrespective of the company you select, the insurance premiums will largely depend on where you live, your driving record, the type of car your drive etc...

    Be that as it may, Cheap Car Insurance Rates in Florida is available when working with the right agent.

    Cheap Car Insurance Rates in Florida: by County

    Auto insurance premium costs vary greatly according to which city you live in.  It is true that location is everything, particularly when if comes to insurance costs. It is also important to remember that external factors may also greatly influence the costs of insuring a car.  Hurricanes for example, who have affected a particular area may cause premiums to rise for that region.

    Premiums are higher in Liberty County for example than they are in Miami. We have seen instances where a driver in Miami, FL could pay over $1000 more per year on his or her car insurance than another driver in Bristol for example. The following information should give you some guidelines as how you can find Cheap Car Insurance Rates in Florida.

    Miami-Dade, FL

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Miami-Dade - Auto Insurance Cost Comparison

    Broward, FL

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Broward Florida Auto Insurance Cost Comparison

    Palm Beach County, FL

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Palm Beach County, Florida Auto Insurance Cost Comparison

    Orange County, FL

    Main City: Orlando

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Orange County, Florida Auto Insurance Cost Comparison

    Pinellas County, FL

    Main City: Tampa

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Pinellas County, Florida Auto Insurance Cost Comparison

    Duval County, FL

    Main City: Jacksonville

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Duval County, Florida Auto Insurance Cost Comparison

    Lee County, FL

    Main Cities: Fort Myers, Cape Coral

    Married Male (Age 70), Married Female (Age 65) – One car, no accidents or violations in the last 3 years, pleasure driving use – 6,000 miles per year.

    Lee County, Florida Auto Insurance Cost Comparison

    Other Counties, FL

    Don't see what you are looking for? Please click here: auto insurance by county in Florida

    11 How to Save Money on your Florida Car Insurance

    LNC INSURANCE PROVIDERS Offers Tips to Help You Save on Car Insurance

    The following tips are the top 10 ways to save money on your Florida Car Insurance.

    FLORIDA - Purchasing the right Florida Car Insurance can at time seem confusing. With so many options available, deductibles to choose from, even seasons car owners can sometimes lose track of how each option can affect the overall cost of their premiums. The good news is that we can show you some simple tricks that can enable you to get the most for your money, save on your auto insurance and feel confident you have adequate coverage.

    LNC INSURANCE PROVIDERS, a leading insurance agency of auto and homeowners insurance, offer these tips to lead you in the right direction when you purchase your car insurance.

    • Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
    • Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
    • Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
    • Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
    • Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.
    • Insure more than one car with the same company, and you may be eligible for savings.
    • Insure your car and home with the same company. You could save money if you have more than one type of policy with the same insurance company (for example, an auto policy and a homeowner’s policy). The more good business you give the company, the more valuable you are as a customer.
    • Look for low-mileage discounts if you car pool or do not put a lot of miles on your car annually.
    • Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
    • Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering.  A consumer protection magazine can be very useful or check car sites on the Internet.

    Save Money on Car Insurance

    Call us now to find out how: 888-913-6988

    We are one of Florida's leading Family Owner and Operated Insurance Agencies - Established in 2006

    LNC INSURANCE PROVIDERS is an independent insurance agency offering a full range of insurance products including AUTO, HOME, COMMERCIAL, BOAT, MOTORCYCLE, ETC. We are a five star rated insurance agency on Google!    

    11 Florida Auto Insurance – Get The Facts

    Florida Auto Insurance

    If you are in search of an affordable insurance that fits your needs, then look no further than LNC Insurance Providers. When it comes to auto insurance, there is no reason to compromise safety with the notion that quality is too expensive and therefore beyond reach. We know Florida Auto Insurance and of course, we offer outstanding value for money. But more importantly, our customer service is second to none in the Florida market, and the value we provide our customers, more often then none, far surpasses the expectations of our customers.

    We specialize in affordable auto insurance that do not sacrifice quality for price.

    The Starting Point

    If you own a car in Florida, the state requirements dictates that you should carry at least $10,000 of personal injury protection (PIP) and another $10,000 of property damage liability coverage.

    This is the starting point. You are, by law, required to carry Florida Auto Insurance with, as a minimum, the most basic property damage liability coverage for any accident in which you are fault. Florida law does not require bodily injury liability coverage which of course means that in the even of an accident in which the other driver incurs accident related medical expenses, you will be entirely responsible these expenses.

    Making sure that you have the right car insurance means that you have to be aware of up-do-date state requirements. Car related accidents can be really expensive and having the basic, legally required coverage, does not, in any way, offer nearly enough protection for yourself or your family. From legal regulations to common coverage requirements, L & C Insurance Providers mission is to always be one step ahead of our competitors in terms of knowledge and experience.

    Florida Car InsuranceWhether you are in the market for a new Florida car insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

    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.

    Make sure you're protected

    The value of professionaly written auto insurance is often realized after an accident has occured. Don't leave it until it's too late:

    What you need to know if you drive in Florida

    • 24% of drivers in Florida are uninsured. Nationwide, this number is 12%
    • An uninsured motorist coverage offers protection from damages caused by uninsured and hit and run drivers
    • Digital insurance cared are accepted. Providing proof of coverage with your smartphone to a police officer who's just pulled your over is perfectly legal
    • Florida is a no fault state, requiring that drivers carry their own protection. This means that when an accident happens, irrespective of who is at fault, drivers take care of themselves.
    • In spite of this "no-fault" state provision, drivers can be taken to court and sued for severe injury, disfigurement, or death. As such, choosing a bodily injury liability coverage that meets your needs is crucial.

    What about costs?

    When it comes to annual premiums for homeowners insurance, Florida ranks as one of the more expensive states in the country. But premiums vary from location to location and even from one policy to another.  The determining factors in estimating the cost of homeowners insurance for your own home depend on the size of your home, your assets and of course your address.

    Cost Comparison: Florida Auto Insurance
    (You can sort both the cities and costs columns in the order of your choice)

    Cities Cost
    Jacksonville $575
    Miami $675
    Tampa $719
    St. Petersburg $703
    Orlando $402
    Hialeah $709
    Tallahassee $389
    Fort Lauderdale $601
    Port St. Lucie $574
    Pembroke Pines $589
    Cape Coral $398
    Hollywood $599
    Gainesville $323
    Miramar $563
    Coral Springs $585
    Clearwater $489
    Miami Gardens $609
    Palm Bay $369
    West Palm Beach $405
    Pompano Beach $458
    Lakeland $409
    Davie town $485
    Miami Beach $602
    Deltona $501
    Plantation $558
    Sunrise $575
    Boca Raton $502
    Largo $425
    Melbourne $405
    Palm Coast $385
    Deerfield Beach $485
    Boynton Beach $501
    Lauderhill $552
    Weston $542

    Comprehensive and collision coverage

    Though not a legal requirement, we highly recommend adding comprehensive and collision provision to your policy. This additional coverage will provide you with peace of mind and protection. Being responsible for property repair and replacement costs following an accident, when you do not have comprehensive and collision coverage can be hugely expensive. And we're not just talking about yourself here.  There's also potential damage to other people properties, including personal injuries which could change your life drastically should you not have a policy that covers such potential expenditure. Talk to us about how affordable a comprehensive and collision coverage is and how it is possible to mitigate it's cost by choosing deductibles that meet your financial needs.