Pritchards & Associates, The People Who Protect You
Understanding auto—heck—most insurance can be overwhelming, but we’re here to help you protect what matters most!
Our experienced team understands the unique needs of Florida drivers and is committed to finding the absolute best coverage for you, your family, and your budget. With us, you’re not just a policyholder; you’re part of our community.
At Pritchards & Associates, we’re more than just an insurance agency. We’re people who care about your safety, security, and peace of mind.
Professional. Timely. Personable.
"They saved me close to $500 from my previous insurance plan. Even if the rate wasn’t cheaper, I would still give them my business because they were so professional, timely and personable. I’m recommending them to everyone I know looking for insurance."
Major life changes like these can significantly impact your rates and coverage needs:
- Buying a new vehicle
- Moving
- Getting married
- Adding a teen driver to your policy
Additionally, if it’s been a few years since you last reviewed your policy, you may find that rates have shifted or new discounts are available that can lower your premium. Even improving your credit score or maintaining a good driving record can lead to better rates over time.
By re-shopping your policy, you can keep your coverage aligned with your current life, possibly save money, and avoid missing out on options that better protect you and your loved ones.
When Life Changes,
Your Coverage Should Too
Cheap auto insurance is appealing but not as simple as you think.
Cheap generally means lesser value, and when it comes to insurance, that means less coverage. In Florida, auto insurance is regulated by having required minimums, such as:
- $10,000 for personal injury protection (PIP)
- $10,000 for property damage liability (PDL)
Low-cost policies often come with minimal coverage, but that rarely protects you if you’re involved in an accident or need repairs. When coverage limits are too low, you could pay significant out-of-pocket expenses for medical bills, property damage, or legal fees (costs that a more comprehensive policy would cover).
Additionally, cheap policies may lack benefits like roadside assistance, rental car coverage, or uninsured motorist protection, leaving you vulnerable in critical moments. While a lower premium may seem appealing, skimping on coverage can ultimately put you in a tough financial and legal situation, leaving you unprotected when you need it most.
The Truth About Cheap Auto Insurance
Florida Requirements For Auto Insurance
The state of Florida requires drivers to have at least minimum coverage, including Personal Injury Protection (PIP) and Property Damage Liability (PDL), which can shield you from significant out-of-pocket expenses if an accident occurs.
These are minimums and should not be treated as any kind of standard. State minimums will almost never cover the entire cost of an accident of any kind. Some drivers try to limit their coverage to these minimums to save on their premiums and then end up costing themselves hundreds of thousands of dollars on legal, medical, and other expenses related to an accident.
Comprehensive car insurance, collision coverage, and higher liability limits can help safeguard you when costs exceed the minimum coverage—which is more likely than not, providing peace of mind on Florida's busy roads.
Unmatched in Customer Service
"They go the extra mile in customer service, are quick to respond, and personable. We've been clients of theirs for almost 25 years!"
Our clients benefit from the strength and stability of industry-renowned insurance companies
Coverage Backed by Leading Carriers
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What started 34 years ago as a small, family-run agency has grown into a trusted name across the state. Today, we’re three generations in, still proudly family-owned, and offering the kind of personal guidance and long-term relationships you won’t find with big-box insurance.
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Decades of expertise
