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J&J Elite Insurance Group
YOUR COVERAGE. OUR PRIORITY.
J&J Elite Insurance GroupYOUR COVERAGE. OUR PRIORITY.
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AUTO INSURANCE

Auto insurance that actually fits Florida

Full coverage, liability, SR-22, multi-car. Answer a few questions and a licensed agent compares carriers for you — no call center, no quote farm.

50+
CARRIERS
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TO A REAL QUOTE
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Ava
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EN · ES
Hi! I can put together an auto quote for you right here. What's your ZIP code?
32839
Are you looking to switch from a current policy, or getting coverage for the first time?
Switching — I want to compareFirst time — I need new coverage
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A few quick questions · no spam · a licensed agent reviews every quote
Ava
AvaOnline now · EN · ES

I can put together an auto quote right here — a few quick questions, about two minutes.

Chat with Ava
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A SAMPLE OF THE AUTO CARRIERS WE PLACE
… and 40+ more, including the Florida carriers that never appear on comparison sites.

What an auto policy actually covers

Plain English, no jargon. Tap any coverage in the chat and Ava explains it while you answer.

Liability

Bodily injury and property damage — the part the state cares about, and the part that protects everything you own.

Collision & comprehensive

Your car, whether you hit something or something hits you. Includes theft, fire, hail and flood damage to the vehicle.

Uninsured motorist

One in five Florida drivers has no insurance. This is what pays when the other driver cannot.

PIP & medical

Florida's no-fault rules mean your own policy pays your medical bills first. We set the limits so that actually works.

The three things people miss

1. Windshield

Florida law: no deductible on a covered windshield replacement. Most drivers never know they have it.

2. Rental

Rental reimbursement runs a few dollars a month and saves you a few hundred at the worst moment.

3. Gap

Owe more than the car is worth? Gap coverage pays the difference. Lenders rarely mention it.

Explore what each auto coverage protects

Click a hotspot to see the risk it addresses, and what the coverage actually does for you.

AUTO INSURANCE MAP

Bodily Injury Liability

Risk factor

If a pedestrian, passenger, or other driver is injured in an accident you cause, the medical and legal exposure can become severe very quickly.

Solution

Bodily injury liability helps pay covered injury-related costs you cause to other people, which is why it sits at the center of an auto policy.

Collision Coverage

Risk factor

Your vehicle can be damaged in crashes with other cars, walls, poles, parking structures, or road objects.

Solution

Collision coverage helps repair or replace your vehicle after a covered impact, even when the damage is to your own car.

Comprehensive Coverage

Risk factor

Theft, vandalism, fire, flood, falling objects, and storm damage can happen even when the car is parked.

Solution

Comprehensive coverage protects against major non-collision losses that would otherwise come directly out of pocket.

Uninsured Motorist

Risk factor

Not every driver on the road carries enough insurance, and some carry none at all.

Solution

Uninsured and underinsured motorist coverage helps protect you if another driver causes the loss but cannot fully pay for it.

GAP Insurance

Risk factor

If a financed or leased vehicle is declared a total loss, the insurance settlement may be lower than the remaining loan or lease balance.

Solution

GAP insurance helps cover the difference between the vehicle's actual cash value and what is still owed, which can prevent a large balance from falling back on the driver.

WHAT AVA WILL ASK YOU

The same questions a licensed agent would ask on the phone — in the order that gets you an accurate number instead of a teaser rate.

  • What's your ZIP code?
  • Are you looking to switch from a current policy, or getting coverage for the first time?
  • How many vehicles would you like to insure?
  • What year is your vehicle?
  • What's the make?
  • And the model?

…and a few more. Average time: under two minutes.

AND THEN?
1

It lands with a licensed agent

Not a lead broker, not a call center. Your answers go straight into our agency system.

2

We shop it across 50+ carriers

Including the ones that never show up on comparison sites.

3

You get real numbers, same day

By email or text, whichever you picked. No pressure, no endless calls.

Prefer a human right away? Call (407) 255-8220.

Ready for a real auto quote?

Ava starts it. A licensed agent finishes it.

J&J Elite Insurance Group

Independent agency licensed in FL · IL · MN. We compare 50+ carriers and place the policy that actually fits — no call center, no quote farm.

Licensed agent 2-20 · Florida
Talk to us
(407) 255-8220 lvelez@jjeliteinsurancegroup.com

4700 Millenia Blvd, Suite 500
Orlando, FL 32839

Mon–Fri 9 AM–5 PM

Start my quote
Quotes are subject to carrier underwriting approval and final premium may differ. J&J Elite Insurance Group is an independent insurance agency, not an insurer.
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