Florida insurance agency in Boca Raton explains how to switch auto insurance. Call (561) 988-3330 to speak to a trusted agent and learn your coverage options.
If you live in Boca Raton, you already know how expensive car insurance in Florida can be. Between rate hikes, new coverage options, and changes in your personal life, it’s easy to wonder if you’re still getting a fair deal. Maybe you bought a new car, added another driver, or your insurance company increased your premium without much warning. Whatever the reason, when you’re ready to switch auto insurance in Florida, the process isn’t complicated. It just helps to have the right guidance along the way.
That’s where a licensed Florida insurance agency like The Gordon Agency can make the process easier. Instead of spending hours comparing quotes online, you can work with professionals who understand Florida law, your coverage options, and which carriers offer dependable protection at a reasonable cost.
Why Florida Drivers Change Auto Insurance
Many Florida drivers decide to switch auto insurance because their situation changes. You might have:
- Bought a new car that needs more protection
- Added another vehicle and want a multi-car discount
- Noticed your car insurance rates are higher than others with similar driving records
- Moved, changed your commute, or adjusted your driving habits
- Found a local agency offering quality coverage and personalized service you can trust
With so many car insurance providers in the Sunshine State, working with a licensed Florida insurance agency takes the stress out of finding reliable car insurance. Your agent can compare policies for you, explain coverage differences, and help you secure the protection that fits your needs.
Florida’s Minimum Coverage Requirements
Before making any changes, it helps to understand what Florida law requires. The state’s minimum auto insurance coverage includes:
- $10,000 in Personal Injury Protection (PIP): covers medical expenses and some lost wages after an accident, no matter who caused it.
- $10,000 in Property Damage Liability (PDL): pays for damage to other people’s property if you cause a crash.
- Every registered vehicle in Florida must maintain continuous insurance coverage. If your policy lapses, your driver’s license and license plate can be suspended, and you may face a reinstatement fee of up to $500.
Meeting Florida’s minimum requirements is just the starting point. Knowing how much protection you actually need, and choosing the right company to provide it, is where a licensed Florida insurance agency becomes invaluable.
Why Work With a Licensed Florida Agency
Many drivers try to switch policies online, but that often leads to gaps in coverage or confusion about what’s really required under Florida insurance laws. A license insurance agency in Boca Raton can handle the process for you, from comparing rates to making sure your new policy activates before your old one ends.
When you work with an agent, you can:
- Review your current car insurance policy for savings opportunities
- Verify that your coverage meets Florida state laws and registration requirements
- Receive quotes from multiple car insurance providers without having to contact each one yourself
- Identify available discounts for safe driving, multiple vehicles, or bundling with home insurance
- Get peace of mind knowing your insurance company is licensed and financially stable
Your agent can also coordinate the switch so you maintain continuous coverage and avoid penalties that can raise your car insurance premium in the future.
Coverage Options to Discuss With Your Agent
When meeting with a Florida insurance agent, ask about these common coverage options:
- Bodily Injury Liability (BIL): Covers injuries to others if you’re at fault.
- Uninsured/Underinsured Motorist Coverage: Protects you if another driver causes a crash and doesn’t have enough insurance.
- Comprehensive Coverage: Pays for theft, vandalism, or weather-related damage.
- Collision Coverage: Covers your own vehicle repairs after an accident, regardless of fault.
- Full Coverage: Combines liability, comprehensive, and collision protection for broader security.
An agency can explain how much coverage fits your personal circumstances and whether increasing limits could save you money long-term.
Avoid These Common Mistakes When Switching
Even with the right guidance, it’s easy to overlook a few details that can cause problems later. Here are some common mistakes to avoid when you switch your Florida auto insurance.
- Canceling Too Early: Don’t end your old policy before your new one begins. Your agent can time the switch correctly.
- Letting Coverage Lapse: Even a short gap can increase your car insurance costs and lead to suspended driving privileges.
- Choosing Price Over Protection: The cheapest car insurance isn’t always the best value if the coverage helps pay for less.
- Overlooking Licensed Agencies: Buying directly online from unverified sources can expose you to unlicensed insurers.
- Ignoring Your Driving History: Failing to account for past violations, which directly affects your final rate and coverage needs.
Once you know what to avoid, your agent can take care of the rest and handle most of the work for you.
How a Licensed Agent Simplifies the Process
Switching with a licensed Florida insurance agency is simple:
- Contact Your Agent. They’ll review your current coverage and discuss your options.
- Select a New Policy. Your agent will recommend carriers that meet Florida’s insurance requirements and fit your budget.
- Schedule the Switch. The agency ensures your new policy takes effect before the old one ends.
- Receive Proof of Insurance. You’ll get updated documents for your vehicle registration and license plate records.
This hands-on approach saves you time and protects your driving privilege under Florida law.
Keep Your Coverage Working for You
Once your new Florida auto insurance policy is active, continue checking in with your agent once a year or whenever your situation changes. Whether you buy another car, move to a new home, or want to lower your car insurance premium, your agent can review your policy and suggest ways to adjust your coverage without risking gaps.
Staying connected with a licensed Florida agency keeps your coverage current and your confidence on the road.
Switch Confidently With a Licensed Florida Insurance Agency
If you’re thinking about switching auto insurance in Florida, don’t go it alone. Policies, coverage limits, and discounts can vary based on your driving history, the number of vehicles you own, and even your zip code. A licensed Florida agency like The Gordon Agency can review your current policy, identify coverage gaps, and connect you with top-rated carriers offering competitive rates and dependable protection.
Whether you’re adding a driver, replacing your vehicle, or simply tired of rising premiums, our licensed agents make switching simple. We handle the details, compare quotes, and keep your coverage continuous so you stay compliant and protected under Florida law.
Call (561) 988-3330 or visit our website to speak with a licensed agent today. We’ll help you make the switch smoothly and confidently.
At The Gordon Agency – We’ve Got You Covered!
Copyright© 2025. The Gordon Agency Inc. All rights reserved.
The Gordon Agency Inc.
1825 NW Corporate Blvd, Suite 110
Boca Raton, FL 33431
(561) 988-3330
https://tgafl.com
