Skip to content Jump to contact details Jump to display settings

Auto Insurance Florida

*These fields are mandatory
4 Pilares Insurance LLC is committed to ensuring that the collection and processing of data carried out by our site complies with the General Data Protection Regulations (GDPR) and the Data Protection Act. To know and exercise your rights, particularly concerning the withdrawal of consent to the use of collected data, please consult our privacy policy
It's better to have an Auto Insurance and not needing it, than Needing It and not having it, quote now and get up to 40% OFF
Auto Insurance Hialeah

Discover the secrets of affordable auto insurance in the state of Florida

Get peace of mind with comprehensive auto insurance here in the state of Florida

Apply now for your exclusive Discount on auto insurance here in the state of Florida!

The Difference Between Collision and Comprehensive Coverage

Collision coverage

Collision coverage insures you against damage to your vehicle caused during an accident.

Comprehensive coverage

Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Personal Injury Protection (PIP)
  • You may receive coverage up to policy limits if you cause an accident. PIP is designed to reduce the need to sue for reimbursement of medical bills or other bills related to car accidents.
  • Under Florida law, you are required to have PIP insurance if you own a motor vehicle with four or more wheels.
Bodily damage
  • Bodily injury liability coverage is the best protection against being sued for causing physical injury to another person in a car accident. BI pays for medical expenses, lost wages, pain, and suffering with the injured.
Property damage
  • Property damage liability insurance pays for damage caused to another person's property while driving. The term “property” includes fences, telephone poles, buildings, and other automobiles.
  • Coverage applies even if you drive a vehicle that is not your own.
Comprehensive and Collision
  • Collision coverage protects your car if it is damaged in a collision with virtually anything, whether it's a car, a tree, or a wall.
  • Comprehensive coverage covers you for the loss of your car due to causes other than collision or disruption

Unlocking Savings Secrets: How to Reduce Car Insurance Costs in Florida

Partial loss

They are those damages that may suffer in your car or your motorcycle, by responsibility of the insured person or a third party.

Total loss

It is considered a total loss, when the repair of damages caused to the car, or to the motorcycle, exceed 75% of its commercial value or theft of the vehicle.

Civic responsibility

It is responsible for covering the costs of damage to third parties, whether material or to people, caused by the insured car or motorcycle.

Don’t wait any longer! Secure your car in the state of Florida right now and get instant coverage!


1. What types of coverage do you handle?

  • PIP coverage: with this coverage the other person's car is protected. This is required in the state of Florida. In the event of an accident, it protects possible damage caused to the other car.
  • Full Cover: It is distinguished by having policies that mix two types of coverage: All risk (Comprehensive) and Collisions (Collisions). This type of policy has a deductible selected by the client that ranges from above $500.00 to $1.00,000 and pays for damage to your car, regardless of who caused the accident. The company must pay for the repair, or up to the current cash value of the vehicle, less the deductible.

  • ​​​​​​

2. What requirements do I need to purchase a car policy?

  • License(s) from the State of Florida or, failing that, Passport from your country and/or International License of the people who will be in the quote
  • Address where the car stops, that is, where you live
  • Phone number of the person who will be the owner of the policy
  • Email of the person who will be the policyholder
  • Vin of the car or cars that will be in the quote
  • Proof of Previous Insurance (if you have it)
3. What discounts can I get when purchasing my car insurance policy?

    You can get up to 40% discount on your auto insurance policy, broken down as follows:

  • Discount for continuous insurance for 6 months, -Discount for married people -Discount for multi-cars -Discount for homeowners

  • ​​​​​​

4. What people must be included in my auto policy?

  • Florida Law establishes that all persons over 14 years of age who live under the roof where the vehicle(s) sleep, whether they drive or not, must be at least mentioned in the car insurance policy.
  • ​​​​​​

5. What documentation is mandatory to obtain an insurance policy?

  • License from the State of Florida or any other State, Passport or International License
  • Vehicle registration
  • Photos of the car front, rear, both sides, in the VIN, and the miles (this is in case the car has full cover coverage).
  • ​​​​​​