insurance quotes car florida | insurance in Florida

A motorcycle lawyer in Florida answers your questions about Florida auto insurance requirements.

Is motorcycle insurance required in Florida?

Motorcycle laws in Florida are unique compared to most other states. In most states, auto insurance laws are similar to other motor vehicle laws, but in Florida they are not. Drivers of motor vehicles with four or more wheels in Florida are required to protect their personal injuries as part of Florida’s no-fault insurance coverage. This ensures the payment of medical bills of up to $ 2,500, provided the claim is submitted within 14 days. If medical bills result from an emergency, certified by a health professional, the PIP pays the full threshold of $ 10,000. This PIP is not available for the owner of the bike, even if it is already carrying the PIP for another vehicle. Since injuries in a motorcycle accident are probably more serious, the motorcyclist is at greater risk of financial disaster after a serious accident.

Motorcycle  | insurance quotes car florida

The Florida auto insurance requirements are based on the owner’s financial responsibility in the event of liability. The owner of the motorcycle is not required to purchase insurance to register a motorcycle. However, the driver is held financially responsible if he is accused of a motorcycle accident. A motorcycle owner has three options in terms of financial responsibility.

  • Liability insurance for a recognized insurance company in Florida. This would be the most common way to get coverage.
  • Obtain a certificate of financial responsibility. This requires depositing a bond with a public company and depositing cash or securities with the Department of Road Safety and Motor Vehicles (DHSMV)
  • Obtaining a self-insurance certificate from the financial accountability organization after providing evidence of net encumbered capital.

Motorcycle Insurance Facts about Florida

In Florida, when should you have liability insurance for personal injury?

The minimum liability coverage requirements for other passenger vehicles are guidelines that can be used to determine the required coverage.

  • $ 10,000 for an injured person
  • $ 20,000 for two or more people injured
  • $ 10,000 per accident in civil liability.

Does Florida’s no-fault coverage apply to motorcycles?

Florida is a “no-fault” condition that requires coverage for personal injury from your personal vehicle of four or more wheels. No-fault auto insurance quote guarantees the payment of all medical bills, regardless of who is responsible for the accident. The no-fault laws do not apply to motorcycles .

This means that each motorcyclist must claim compensation from the other driver’s insurance for medical expenses, loss of income, suffering and damage to the motorcycle. They are not required to meet a threshold or prove the severity of injuries, as well as drivers of other personal vehicles. It may be advantageous for an engine owner to obtain uninsured motorist insurance (UMC) in the event of a collision with a driver who does not have liability insurance.

About 13% of national drivers drive the roads without insurance. According to data as recent as 2019, the number of uninsured drivers in Florida is often the highest in the country, with 26.7% of drivers on the road without any insurance. This means that one in four drivers on Florida’s roads has no type of liability insurance. It’s scary if any of these drivers seriously hurt you and you can not sue their insurance company for repairs.

What are the penalties for not having car insurance in Florida?

Although auto insurance is not required to register a bike in Florida, penalties are required if you are involved in an accident and you have no insurance. If you are accused of an accident, you are financially liable for bodily injury and property damage. If no liability coverage was in effect at the time of the accident, you could suffer serious consequences, including:

  • Your driving rights have been suspended
  • Suspend your registration and your tag
  • It is mandatory to take out a civil liability insurance / damage for three years.
  • Have civil judgments against you

In other words, motorcycle coverage is mandatory only after causing an accident.

What type of proof of insurance is needed to drive a motorcycle in Florida?

Once you have purchased auto insurance or received a self-insurance certificate, the DMV will enter this information into their computer system. Despite their data, motorcyclists must always carry physical evidence when driving a motorcycle on Florida roads. This proof of motor vehicle insurance coverage makes it easier and takes less time in case you have to prove that you are insured for a peace officer.

If you need to prove that you have car insurance in Florida, the following evidence is generally accepted:

  • a physical insurance card from an auto insurance quote company
  • a digital insurance card or a photo of your insurance card
  • account information screen on a web page
  • Office Financial Accountability Certificate (much less common)

 

Contact a motorcycle accident lawyer in Florida

A significant percentage of motorcycle accidents is the fault of another driver, contrary to public perception. If you are involved in a motorcycle accident, you should contact an experienced motorcycle accident attorney as soon as possible. The lawyer will have a good understanding of the complex auto insurance quote system in Florida. You may be entitled to reimbursement for medical expenses, loss of income, pain and suffering and damage to your motorcycle. 
Dolman Law Group has successfully represented many motorcycle accident victims who are recovering large sums of money. Contact us today for a free consultation. Do not wait, time can hurt your case. Call for a free consultation today

In a country as big as the United States, and even if you find yourself in a particularly well-served area, the car is an imponderable one. But once on site and your vehicle purchased, no way to drive without insurance. How does car insurance work in the United States? Price, license, registration, products, history … We approach everything here.

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With or without driver history?

Arriving in the United States without a history of auto insurance, you will be offered a new driver contract. And this, even if you have 15 to 20 years driving behind and thousands of miles rolled. In this case, your monthly payments will be higher.

However, before leaving, we recommend that you contact the company that insures your car in France and ask for an English version of your driver-insured history.

By doing this, you will offer the “good graces” of some US companies that will no longer consider you a new driver. The monthly payments that will be offered to you will be less.

insurance quotes car florida

STATEMonthly Car Insurance RateAnnual Car Insurance Rate
Alabama$127$1 529
Alaska$134$1 605
Arizona$102$1 222
Arkansas$117$1 399
California$164$1 962
Colorado$130$1 558
Connecticut$137$1 638
Delaware$132$1 580
Florida$153$1 830
Georgia$183$2 201
Hawaii$117$1 400
Idaho$88$1 053
Illinois$114$1 370
Indiana$100$1 202
Iowa$88$1 058
Kansas$113$1 358
Kentucky$125$1 503
Louisiana$164$1 971
Maine$80$1 964
Maryland$151$1 810
Massachusetts$134$1 604
Michigan$213$2 551
Minnesota$113$1 360
Mississippi$115$1 385
Missouri$101$1 207
Montana$168$2 013
Nebraska$110$1 317
Nevada$116$1 388
New Hampshire$82$983
New Jersey$159$1 905
New Mexico$114$1 371
New York$98$1 173
North Carolina$88$1 060
North Dakota$143$1 710
Ohio$77$1 926
Oklahoma$111$1 333
Pennsylvania$120$1 440
Rhode Island$168$2 020
South Carolina$110$1 316
South Dakota$130$1 557
Tennessee$116$1 397
Texas$135$1 620
Utah$99$1 192
Vermont$96$1 149
Virginia$93$1 114
Washington$125$1 499
Washington, D.C.$177$2 127
West Virginia$210$2 518
Wisconin$91$1 087
Wyoming$128$1 541

If we observe disparities between states in terms of tariffs , it is because of several factors: local statistics (accidents and car theft in particular), traffic density, population density or even the speed limit of state (it is not the same in all states).

Car purchased from an individual or a professional: how to make sure?

Buying a used car from an individual

This is often the right plan when you arrive in the United States and you have already reaped many costs. This way, you will be able to equip yourself for $ 2,000 minimum, but you will not have a first choice! Still, by choosing this option, you also take risks. Why ? First of all, because you are not sure that the car is insurable . To be clear, it is strongly advised (once the two parties have agreed on the price) to visit your future insurer, accompanied by the owner. You will then be stipulated if the gray card or “title” is clean or not. If so, then you can insure it.

Buy in concession or “car dealer”

You can only buy a car from a car dealer if you are not insured . From there, you have two solutions. The first, a bit far-fetched, is to subscribe to a basic insurance for a few days only, in order to buy your car. You will then have the freedom to choose the establishment that makes you the best offer. Especially since buying at a car dealer, you will (normally) no problem of registration. You will not get any if the car is new.

The ultimate solution is to present the “identity” of the vehicle you want to buy to an insurance company and obtain a consent to submit to your car dealer. The identity has been checked before the purchase, when the car will be yours, your insurer will then only have to ask you out the blue card.

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insurance quotes car florida | insurance in Florida

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Seminole, FL 33772

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Clearwater, FL 33756

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Largo, FL 33771

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Largo, FL 33773

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Pinellas Park, FL 33781

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Saint Petersburg, FL 33711

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Saint Petersburg, FL 33711

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Saint Petersburg, FL 33713

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Palm Harbor, FL 34684

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New Port Richey, FL 34652

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Bradenton, FL 34208

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Bradenton, FL 34207

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Tampa, FL 33615

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Port Richey, FL 34668

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Tampa, FL 33609

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Hudson, FL 34667

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Sarasota, FL 34236

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Sarasota, FL 34231

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Tampa, FL 33612

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Tampa, FL 33619

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Temple Terrace, FL 33637

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Spring Hill, FL 34606

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Thonotosassa, FL 33592

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Brandon, FL 33511

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Venice, FL 34293

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Brooksville, FL 34601

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Zephyrhills, FL 33541

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Plant City, FL 33566

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Zephyrhills, FL 33542

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Port Charlotte, FL 33948

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Lakeland, FL 33803

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Lakeland, FL 33801

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Inverness, FL 34453

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Winter Haven, FL 33880

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Cape Coral, FL 33990

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North Fort Myers, FL 33903

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Cape Coral, FL 33904

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Leesburg, FL 34748

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Clermont, FL 34711

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Fort Myers, FL 33907

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Ocala, FL 34474

(352) 873-9633

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Sebring, FL 33870

(863) 451-3097

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Ocala, FL 34470

(352) 351-2274

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Winter Garden, FL 34787

(407) 656-2274

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Tavares, FL 32778

(352) 357-2274

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South Fort Myers, FL 33908

(239) 267-1064

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Kissimmee, FL 34746

(407) 396-9033

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Tavares, FL 32778

(352) 589-9200

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Orlando, FL 32819

(407) 351-4153

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Kissimmee, FL 34744

(407) 846-7700

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Kissimmee, FL 34744

(407) 932-0211

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Lehigh Acres, FL 33936

(239) 369-9222

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Orlando, FL 32811

(407) 843-8737

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Orlando, FL 32818

(407) 299-1771

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Orlando, FL 32808

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Apopka, FL 32703

(407) 884-8737

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Orlando, FL 32809

(407) 852-3141

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Bonita Springs, FL 34134

(239) 949-2004

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Orlando, FL 32809

(407) 857-2274

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Orlando, FL 32804

(407) 246-0056

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Orlando, FL 32810

(407) 297-8737

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Orlando, FL 32810

(407) 296-3333

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Gainesville, FL 32608

(352) 448-2632

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Orlando, FL 32822

(407) 281-4828

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Orlando, FL 32822

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Orlando, FL 32807

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Gainesville, FL 32601

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Altamonte Springs, FL 32701

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Gainesville, FL 32601

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Casselberry, FL 32707

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Orlando, FL 32807

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Naples, FL 34104

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Longwood, FL 32750

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Naples, FL 34112

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Sanford, FL 32773

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Orange City, FL 32763

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Deland, FL 32720

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Palatka, FL 32177

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Lake City, FL 32055

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Melbourne, FL 32935

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Merritt Island, FL 32953

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Tallahassee, FL 32304

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Tallahassee, FL 32303

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Palm Bay, FL 32905

(321) 757-9100

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Tallahassee, FL 32304

(850) 688-1218

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Tallahassee, FL 32303

(850) 688-1216

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Holly Hill, FL 32117

(386) 252-5073

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Port Orange, FL 32127

(386) 767-9990

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Holly Hill, FL 32117

(386) 255-2274

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Vero Beach, FL 32960

(772) 567-2274

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Panama City, FL 32401

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Orange Park, FL 32065

(904) 272-2000

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St Augustine, FL 32086

(904) 794-2357

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Port St. Lucie, FL 34984

(772) 224-3700

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Fort Pierce, FL 34982

(772) 466-2274

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Panama City Beach, FL 32407

(850) 234-0563

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Jacksonville, FL 32244

(904) 573-9300

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Jacksonville, FL 32257

(904) 268-6001

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Jacksonville, FL 32205

(904) 695-2664

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Valdosta, GA 31602

(229) 241-1314

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Stuart, FL 34997

(772) 288-1414

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Jacksonville, FL 32216

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Jacksonville, FL 32246

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Jacksonville, FL 32211

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Jacksonville, FL 32208

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Jacksonville, FL 32277

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Jacksonville, FL 32225

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Jacksonville Beach, FL 32250

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Marianna, FL 32446

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West Palm Beach, FL 33409

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Riviera Beach, FL 33404

(561) 845-8335

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Lake Worth, FL 33463

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Lauderhill, FL 33319

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Lauderhill, FL 33313

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Lauderhill, FL 33313

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Deerfield Beach, FL 33441

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Oakland Park, FL 33334

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Hollywood, FL 33023

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Dania, FL 33004

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North Miami, FL 33168

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Fort Walton, FL 32547

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Pensacola, FL 32505

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Pensacola, FL 32504

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Pensacola, FL 32505

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Milton, FL 32571

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Foley, AL 36535

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Find Direct Auto Insurance Locations In Florida

  • Altamonte Springs
  • Apopka
  • Bonita Springs
  • Bradenton
  • Brandon
  • Brooksville
  • Cape Coral
  • Casselberry
  • Clearwater
  • Clermont
  • Dania
  • Deerfield Beach
  • Deland
  • Fort Myers
  • Fort Pierce
  • Fort Walton
  • Gainesville
  • Holly Hill
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  • Hudson
  • Inverness
  • Jacksonville
  • Jacksonville Beach
  • Kissimmee
  • Lake City
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  • Lakeland
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  • Leesburg
  • Lehigh Acres
  • Longwood
  • Marianna
  • Melbourne
  • Merritt Island
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  • Panama City
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  • Pensacola
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  • Port Charlotte
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  • Port Richey
  • Port St. Lucie
  • Riviera Beach
  • Saint Petersburg
  • Sanford
  • Sarasota
  • Sebring
  • Seminole
  • South Fort Myers
  • Spring Hill
  • St Augustine
  • Stuart
  • Tallahassee
  • Tampa
  • Tavares
  • Temple Terrace
  • Thonotosassa
  • Venice
  • Vero Beach
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