{"id":155,"date":"2026-10-10T17:59:22","date_gmt":"2026-10-10T21:59:22","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/auto-insurance\/"},"modified":"2026-10-29T15:08:32","modified_gmt":"2026-10-29T19:08:32","slug":"auto-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/auto-insurance\/","title":{"rendered":"Seguro de auto"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"155\" class=\"elementor elementor-155\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc9a6b8 e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"cc9a6b8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4653dc9 elementor-widget elementor-widget-text-editor\" data-id=\"4653dc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4e7cb0 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"d4e7cb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Auto insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d4374e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8d4374e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Car insurance in Orlando, compared across carriers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2473e3c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2473e3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We quote Progressive, Travelers, Mercury and other carriers side by side so you can see the real difference in price and coverage. New drivers, clean records, tickets, accidents or an FR-44 filing: our team handles all of it, in English or Spanish.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-813fc0b elementor-widget elementor-widget-text-editor\" data-id=\"813fc0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=auto\">Get an auto quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p><p style=\"margin-top:14px;color:#C9D2E0;font-size:15px\">Insuring several drivers or cars? <a style=\"color:#C9A24D;font-weight:700;text-decoration:underline\" href=\"\/auto-quote-application\/\">Fill out the full application<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41eb1b0 e-flex e-con-boxed e-con e-parent\" data-id=\"41eb1b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b3d2a76 e-flex e-con-full e-con e-child\" data-id=\"b3d2a76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0efbd09 e-flex e-con-full uia-answer e-con e-child\" data-id=\"0efbd09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45bb67a elementor-widget elementor-widget-heading\" data-id=\"45bb67a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b24969a elementor-widget elementor-widget-text-editor\" data-id=\"b24969a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Florida requires every registered car to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. Bodily injury liability isn&#8217;t required for most drivers, but without it you could be personally responsible if you injure someone in a crash. Most drivers we work with also carry bodily injury liability, uninsured motorist coverage, and collision and comprehensive on newer cars.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97acbe3 uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"97acbe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Florida&#8217;s minimum car insurance<\/h2><p>Florida is a no-fault state. After a crash, your own PIP coverage pays 80% of your medical bills and 60% of lost income, up to $10,000, no matter who caused the accident. You need to get medical treatment within 14 days of the crash to use PIP benefits.<\/p><table><tr><th>Coverage<\/th><th>Florida minimum<\/th><th>What it pays for<\/th><\/tr><tr><td>Personal injury protection (PIP)<\/td><td>$10,000<\/td><td>Your own medical bills and lost wages<\/td><\/tr><tr><td>Property damage liability<\/td><td>$10,000<\/td><td>Damage you cause to someone else&#8217;s car or property<\/td><\/tr><tr><td>Bodily injury liability<\/td><td>Not required for most drivers<\/td><td>Injuries you cause to other people<\/td><\/tr><\/table><p>Some drivers do have to carry bodily injury liability. A DUI conviction brings an <a href=\"\/fr44-sr22-insurance\/\">FR-44 filing<\/a> with much higher limits, and certain other violations require an SR-22.<\/p><h2>Coverage worth a closer look<\/h2><ul><li><strong>Bodily injury liability.<\/strong> Protects your savings and future income if you injure someone. We usually suggest limits well above the minimum, especially if you own a home.<\/li><li><strong>Uninsured and underinsured motorist.<\/strong> Florida has one of the highest rates of uninsured drivers in the country. This coverage pays for your injuries when the other driver can&#8217;t.<\/li><li><strong>Collision.<\/strong> Repairs your car after a crash, whoever is at fault.<\/li><li><strong>Comprehensive.<\/strong> Theft, vandalism, fallen trees, hail and flood damage from a storm.<\/li><li><strong>Rental reimbursement and roadside assistance.<\/strong> Small additions that help a lot on a bad day.<\/li><\/ul><h2>What affects your rate in Orlando<\/h2><p>Carriers price Orlando drivers on their driving record, the car they drive, how far they drive, their ZIP code, their coverage choices and, where carriers use it, their insurance score. Because each carrier weighs those things differently, the same driver can get very different prices. That&#8217;s the main reason comparing several companies is worth the few minutes it takes.<\/p><h2>Special situations we handle every week<\/h2><ul><li><a href=\"\/fr44-sr22-insurance\/\">FR-44 and SR-22 filings<\/a> after a DUI or license suspension<\/li><li><a href=\"\/non-owner-car-insurance\/\">Non-owner car insurance<\/a> if you drive but don&#8217;t own a car<\/li><li>Adding a teen driver, or a driver with tickets or accidents<\/li><li>Rideshare and delivery driving, which usually needs an added endorsement<\/li><li><a href=\"\/classic-car-insurance\/\">Classic cars<\/a>, <a href=\"\/motorcycle-insurance\/\">motorcycles<\/a>, <a href=\"\/boat-insurance\/\">boats<\/a> and <a href=\"\/rv-insurance\/\">RVs<\/a><\/li><\/ul><h2>Bundle your home and auto<\/h2><p>Many carriers discount both policies when your home and car are insured together. Sometimes splitting them between two carriers still comes out ahead. We&#8217;ll price it both ways and show you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb635ed e-flex e-con-full e-con e-child\" data-id=\"bb635ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-a0dbc2c e-flex e-con-full uia-side e-con e-child\" data-id=\"a0dbc2c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97642ac elementor-widget elementor-widget-heading\" data-id=\"97642ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get an auto quote<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81dde4b elementor-widget elementor-widget-text-editor\" data-id=\"81dde4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Have your driver&#8217;s license, your vehicle&#8217;s VIN or year and model, and your current policy handy.<\/p><p style=\"margin-top:10px\">Insuring several drivers or cars? The full application takes 5 to 10 minutes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d26b16 elementor-widget elementor-widget-text-editor\" data-id=\"4d26b16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=auto\">Start my quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"\/auto-quote-application\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p><p style=\"margin-top:12px;color:#C9D2E0;font-size:15px\">Or text <a href=\"sms:+14073756664\">(407) 375-6664<\/a>. Se habla espa\u00f1ol.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-346f1cd e-flex e-con-full uia-related e-con e-child\" data-id=\"346f1cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f737c44 elementor-widget elementor-widget-heading\" data-id=\"f737c44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Related coverage<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e463e6 elementor-widget elementor-widget-text-editor\" data-id=\"9e463e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"\/fr44-sr22-insurance\/\">FR-44 &amp; SR-22 insurance<\/a><br><a href=\"\/non-owner-car-insurance\/\">Non-owner car insurance<\/a><br><a href=\"\/motorcycle-insurance\/\">Motorcycle insurance<\/a><br><a href=\"\/classic-car-insurance\/\">Classic car insurance<\/a><br><a href=\"\/boat-insurance\/\">Boat insurance<\/a><br><a href=\"\/umbrella-insurance\/\">Umbrella insurance<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4430ba e-flex e-con-boxed e-con e-parent\" data-id=\"f4430ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb4a641 elementor-widget elementor-widget-heading\" data-id=\"bb4a641\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Auto insurance questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0189b3 elementor-widget elementor-widget-accordion\" data-id=\"b0189b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1841\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1841\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is Florida a no-fault state?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1841\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1841\"><p>Yes. Your own personal injury protection pays a share of your medical bills and lost wages after a crash, up to your PIP limit, regardless of who was at fault. Damage to cars and serious injuries can still lead to claims against the at-fault driver.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1842\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1842\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I need bodily injury liability in Florida?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1842\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1842\"><p>Most drivers aren&#8217;t legally required to carry it, but it&#8217;s the coverage that protects you if you hurt someone. Without it, an injured driver can come after your personal assets. Drivers with an FR-44 or SR-22 requirement must carry it.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1843\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1843\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is an FR-44?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1843\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1843\"><p>An FR-44 is a certificate your insurance company files with the state after a DUI conviction. It proves you carry higher liability limits than a normal policy. Our <a href=\"\/fr44-sr22-insurance\/\">FR-44 and SR-22 page<\/a> explains the requirements.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1844\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1844\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I lower my car insurance in Orlando?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-1844\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1844\"><p>Compare several carriers, bundle with your home or renters policy, ask about safe driver and multi-car discounts, and choose deductibles you could comfortably pay. A clean record helps most over time. We&#8217;ll review your options at every renewal.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is Florida a no-fault state?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. Your own personal injury protection pays a share of your medical bills and lost wages after a crash, up to your PIP limit, regardless of who was at fault. Damage to cars and serious injuries can still lead to claims against the at-fault driver.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Do I need bodily injury liability in Florida?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Most drivers aren&#8217;t legally required to carry it, but it&#8217;s the coverage that protects you if you hurt someone. Without it, an injured driver can come after your personal assets. Drivers with an FR-44 or SR-22 requirement must carry it.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is an FR-44?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>An FR-44 is a certificate your insurance company files with the state after a DUI conviction. It proves you carry higher liability limits than a normal policy. Our <a href=\\\"\\\/fr44-sr22-insurance\\\/\\\">FR-44 and SR-22 page<\\\/a> explains the requirements.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"How can I lower my car insurance in Orlando?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Compare several carriers, bundle with your home or renters policy, ask about safe driver and multi-car discounts, and choose deductibles you could comfortably pay. A clean record helps most over time. We&#8217;ll review your options at every renewal.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a99e7a e-flex e-con-boxed e-con e-parent\" data-id=\"7a99e7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b73e697 elementor-widget elementor-widget-heading\" data-id=\"b73e697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">See what you could save on your car insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efe5327 elementor-widget elementor-widget-text-editor\" data-id=\"efe5327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align:center\">Send us your current policy and we&#8217;ll compare it against several carriers. If what you have is already the best deal, we&#8217;ll tell you that too.<\/p><p class=\"uia-btns\" style=\"justify-content:center\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=auto\">Get an auto quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1120eb2 e-con-full e-flex e-con e-parent\" data-id=\"1120eb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2926fbc elementor-widget elementor-widget-html\" data-id=\"2926fbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"Auto Insurance\",\"serviceType\":\"Auto insurance\",\"description\":\"Florida car insurance compared across carriers including PIP, liability, uninsured motorist, collision and comprehensive, plus FR-44 and SR-22 filings.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/auto-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":[{\"@type\":\"State\",\"name\":\"Florida\"},{\"@type\":\"City\",\"name\":\"Orlando\"}]}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Auto insurance Car insurance in Orlando, compared across carriers We quote Progressive, Travelers, Mercury and other carriers side by side so you can see the real difference in price and coverage. New drivers, clean records, tickets, accidents or an FR-44 filing: our team handles all of it, in English or Spanish. Get an auto quoteCall [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-155","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/155","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=155"}],"version-history":[{"count":6,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/155\/revisions"}],"predecessor-version":[{"id":425,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/155\/revisions\/425"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=155"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}