60 seconds. 12+ FL carriers. Bindable quotes.

The full process — from form submission to driving

Step 1: Quote form (60 seconds)

You enter:

• FL ZIP code.
• Driver age bracket.
• Vehicle year, make, model.
• Coverage type wanted (FL minimum, full coverage, SR-22, FR-44, non-owner, rideshare).
• Currently insured? (yes / lapsed / never).
• Driving record (clean / tickets / accident / DUI / suspended).
• Name, phone, email.

Not required: Social Security Number, citizenship status, immigration status, credit card, full home address.

Step 2: We match you with 3–5 carriers (immediately)

Our system applies your driver profile to our 12+ licensed FL carrier pool and identifies the 3–5 carriers most likely to bind your policy at the cheapest rate.

For example:

• Clean record, paid-off vehicle, age 35: GEICO, Progressive, Mercury, State Farm, Allstate.
• DUI, FR-44 needed: Direct Auto, The General, Bristol West, Dairyland.
• ITIN, no SSN, Spanish-speaking: Direct Auto, Bristol West, GAINSCO, Infinity.
• Active-duty military: USAA, GEICO Military, Armed Forces Insurance, Allstate.

Step 3: Licensed FL agent follow-up (5–30 minutes during business hours)

A licensed Florida insurance professional from one of the matched carriers contacts you by phone or email. They:

• Confirm the data you submitted.
• Pull your MVR (driving record), CLUE report (claim history), and (if applicable, with your permission) credit-based insurance score.
• Run a live, bindable quote from the matched carriers.
• Walk you through coverage options, deductibles, and discount stacking.

Step 4: Compare, choose, bind

You compare the bindable quotes. You pick the cheapest one that fits your needs. The agent binds the policy on the spot. You receive:

• A digital ID card via email or text — typically within 1–5 minutes of binding.
• A welcome packet with your policy declarations page within 24 hours.
• SR-22 / FR-44 filing receipt (if applicable) within 1 business day, often same-day.

Step 5: Drive

That's it. You're insured. The carrier bills you on whatever payment schedule you chose (monthly / 6-month / annual). You contact the carrier directly for claims, billing questions, or coverage changes.

What's NOT in the process

• No SSN required to get a quote. (Most carriers will ask for it before binding to pull credit, but the QUOTE step doesn't need it.)
• No upfront fees. You don't pay us anything. The carrier pays us a flat marketing fee when you bind.
• No high-pressure sales. If you don't like the quote, you walk. We don't sell your data to spam advertisers.
• No "bait and switch." The bindable quote you see is the rate you pay. (Subject to MVR / CLUE / credit verification — but that's standard for ALL FL carriers.)

What you can do RIGHT NOW

If you have your ZIP, vehicle year/make/model, and driver age handy: open the quote form and you'll be at "compare quotes" in 60 seconds. A licensed FL agent will follow up shortly with bindable rates.

If you don't have your vehicle info handy: still submit. The agent will help you fill in the details on the call.

What if my license is suspended?

Submit anyway. We can write a non-owner policy or a stand-alone SR-22 / FR-44 filing that satisfies your DHSMV reinstatement requirement. The agent will walk you through it.

What if I'm currently with a carrier that just non-renewed me?

Common — especially after Hurricane Ian / Helene comp claims, after a DUI, or after a lapse. Submit. We have non-standard carriers built for exactly this situation.

What if I'm out of state but moving to FL?

Submit with your future FL ZIP. We can have a FL-compliant policy ready to bind on the day you arrive. This satisfies the FL DHSMV's 10-day insurance requirement for new residents.