Things drivers ask us every week.

No. Quotes are free and there is no obligation. If your current policy is already the best deal, we will tell you so.

Your driver's license, the vehicle's VIN (or year, make and model) and your current policy if you have one. That is it — we can start with less and fill in the rest by phone.

The form takes about two minutes. We usually call back within the business day with prices from the carriers that fit your situation.

Carriers rate on the driver, the car, the address, the coverage and the insurance history — and each weighs them differently. That is why one application goes to five companies.

No. Your information goes to the carriers we quote with and nowhere else. Read the privacy policy.

At minimum, $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL), from a Florida-licensed insurer, for as long as the car is registered.

PIP pays 80% of your own medical bills and 60% of lost wages after a crash, up to $10,000, no matter who caused it — that is what "no-fault" means. You must start treatment within 14 days of the accident.

Not for most drivers. It is required after certain violations (SR-22) and after a DUI (FR-44), and we recommend it for everyone: it is what protects your savings and wages if you cause a serious crash.

FLHSMV can suspend your license and plate for up to three years and charge a reinstatement fee of up to $500. There is no hardship license for insurance suspensions. Autopay prevents nearly all of it.

Usually, yes. Once you choose a policy and make the first payment, we issue your ID cards and proof of insurance the same day.

Most carriers offer monthly plans with a down payment; paying in full or by autopay usually earns a discount. We show you both prices.

Text or call us and we send them to your phone, or download them from your carrier's app or portal — the links are on the customer service page.

Call or text us with the VIN or the driver's license. We make the change, tell you the new price and send the updated documents.

Yes. We quote with your out-of-state or foreign license, and proof of Florida insurance from us is what the tax collector needs to register your car. Start with the New to Florida page.

In most cases, yes — once the policy is paid, the carrier files electronically with FLHSMV the same day. Details on the SR-22 / FR-44 page.

Yes, with the carriers that write them. See motorcycle and commercial auto.

If anyone is hurt, 911 first. Then report the claim to your carrier — their numbers are on your ID card and on our customer service page — and call us. We follow the claim with you.

An at-fault claim usually does at the next renewal; a not-at-fault claim or a comprehensive claim (theft, storm, glass) often does not. When it does, we shop the renewal with the other carriers.