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Auto Insurance for all of Florida including Riverview, Tampa, Brandon

Auto insurance is more than just auto insurance for your car or truck. We can also provide you with policies that will cover everything from motorcycles to boats to recreational vehicles. Importantly, our agents are focused on getting you the best auto insurance, with the proper coverage at the most affordable rates.

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Helping Drivers Get on The Road

L & M Insurance is committed to helping all types of drivers find the coverage they need, no matter their situation. Whether you’re a new teen driver just getting behind the wheel or someone in need of non-standard insurance L & M Insurance works hard to provide accessible, reliable options. With personalized service and a wide range of policy choices, they make it easy for every driver to get insured and stay protected on the road.

Personalized Car Insurance Solutions

At L & M Insurance, we know that every driver’s situation is different. That’s why we take a personalized approach to car insurance. As an independent agency, we work closely with you to understand your budget, coverage needs, and driving goals. From there, we compare rates and coverage options from many of the nation’s top insurance providers—giving you more flexibility and better choices. Unlike big-name companies like State Farm or Allstate that are limited to their own products, we offer tailored auto insurance solutions that truly match your unique needs.

Frequently Asked Questions – Car Insurance in Florida

Q: How can I save money on car insurance?
A: There are several ways to lower your car insurance premiums in Florida. Consider bundling your auto policy with homeowners or renters insurance, maintaining a clean driving record, and taking advantage of discounts for safe driving, good grades (for students), or completing a defensive driving course. Choosing a higher deductible and driving a vehicle with safety features can also help reduce your costs. At L & M Insurance, we compare quotes from multiple top carriers to help you find the best value.

Q: What am I legally required to have for Florida auto insurance?
A: Florida law requires all drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) coverage. This basic coverage is designed to pay for medical expenses and property damage regardless of who is at fault in an accident. However, this minimum may not be enough in the event of a serious accident, which is why many drivers choose to add more protection.

Q: What optional car insurance do you recommend?
A: While Florida only requires PIP and PDL, we strongly recommend adding the following optional coverages for better protection:

  • Bodily Injury Liability – Covers injuries you cause to others in an accident.
  • Uninsured/Underinsured Motorist – Protects you if you’re hit by a driver with little or no insurance.
  • Comprehensive Coverage – Pays for damage from non-collision events like theft, storms, or vandalism.
  • Collision Coverage – Covers damage to your vehicle from an accident, regardless of fault.
  • Roadside Assistance & Rental Reimbursement – Helpful add-ons for peace of mind during unexpected situations.

Our agents at L & M Insurance are here to help you choose the coverage that best fits your needs and budget.

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Let’s Get Started

If you are in the market for affordable auto insurance coverage, or would like to compare your current insurance policy with other options that might be available, you can get started right now by calling (813) 672-4100, emailing us or contacting us through our auto quote request form.