… 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.
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.