Florida Car Insurance Hurricane Season: Back-to-School Checkup (2025)

Estimated read time: 5–6 minutes

Florida car insurance hurricane season arrives just as school traffic returns. That means busier roads, fast afternoon storms, and more fender-benders. This quick checkup shows what to review now so your coverage and budget are ready before the next system rolls through.

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Call/Text (863) 535-6903

Jump to: Coverage to Review · Deductibles · Teen Drivers · Storm Prep · Claims · Savings · Local Reminders · FAQs

Florida Car Insurance Hurricane Season: What to Review Now

  • Liability: Align limits with your assets and current lifestyle. If you changed jobs, bought a vehicle, or altered your commute, review limits now.
  • Uninsured/Underinsured Motorist (UM/UIM): Helps if you’re hit by a driver with little or no insurance—common on busy corridors.
  • Comprehensive: Covers storm damage (wind, hail, flooding, fallen branches), theft, vandalism, and glass. It’s the key protection during hurricane season.
  • Collision: Pays for repairs if you hit another car or object—helpful during crowded drop-off and pick-up times.
  • Roadside & Towing: Low cost; useful for flats, dead batteries, and lockouts after heavy rain.
  • Rental Reimbursement: Covers a rental while your car is in the shop after a covered claim.
  • Glass/Windshield Options: Some carriers offer enhanced glass benefits that reduce downtime.

Want a human review? We’ll compare multiple carriers to balance price and protection. Start your quote.

2) Deductibles: Find the Sweet Spot

Your deductible is what you pay before insurance kicks in. Higher deductibles usually result in lower premiums. However, make sure it’s an amount you can comfortably handle out of pocket. Many Florida drivers keep comprehensive moderate for storm claims and raise collision slightly for savings.

3) Teen & New Drivers: Safer Habits, Smarter Pricing

  • Add them promptly: Undeclared drivers can complicate claims.
  • Ask about discounts: Good Student, Driver Training, Telematics/Safe-Driving Apps, Multi-Vehicle.
  • Set house rules: No phones while driving, always seatbelts, curfews, and limited passengers at first.
  • Choose the right car: Modest, safe, reliable models often rate better.

4) Storm-Smart Car Prep (5 Quick Moves)

  1. Park high & covered to avoid trees and flood-prone spots.
  2. Photograph your vehicle (inside & out) before a storm; repeat after if needed.
  3. Keep key docs handy: ID cards (digital + paper), roadside number, lender info.
  4. Fuel up & charge up ahead of tropical systems.
  5. Never drive through water. If water reaches the floorboards, don’t start the engine—call roadside first.

For broader safety guidance, see Florida’s school-zone tips from the state FLHSMV and storm tracking from the NOAA National Hurricane Center.

5) If You Need to File a Claim

  • Safety first: Move to a safe spot, check for injuries, and call 911 if needed.
  • Document everything: Photos/video of damage, location, and any other vehicles.
  • Prevent further damage: Tarp broken glass or openings.
  • Contact us early: We’ll start the claim and guide the next steps.

6) Easy Savings to Check This Week

  • Telematics/Safe-Driving Programs for potential usage-based discounts.
  • Pay-in-Full or Autopay can add small but quick savings.
  • Multi-Car & Loyal Customer discounts when you add a vehicle or driver.
  • Lower mileage? Tell us if you drive less now.
  • Shop the market: We quote multiple carriers (Progressive, Travelers, Mercury, National General, The General, The Hartford, Allstate, Foremost ARS, and more) to fit your needs.

Start Your Quote

Call/Text (863) 535-6903


Polk & Hillsborough Drivers: Local Reminders

  • School zones & speed enforcement: Watch for updated routes and signage as classes resume.
  • Game-day traffic: College football weekends add congestion—plan extra time and parking.
  • Afternoon storms: Roads are slick between 3–7 PM; increase following distance.

Quick FAQs

Does car insurance cover hurricane damage to my vehicle?
Usually, yes, under comprehensive coverage (subject to your deductible). Without comprehensive coverage, storm damage is typically not covered.

Is flooding covered?
Flood damage to your vehicle is generally comprehensive. If your car takes on water, avoid starting it and contact us.

Will a glass claim raise my rate?
It depends on your carrier and claim history. Some treat glass differently. Ask us before you file.

Final Word

During the Florida car insurance hurricane season, a 10-minute policy checkup can prevent expensive surprises. We’ll review your coverage, compare carriers, and help you save—before the next storm forms.

Get a Quick Quote

The Isom Insurance Group • Florida’s trusted personal lines experts

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5 Common Florida Auto Insurance Myths — Busted!

By The Isom Insurance Group

If you live and drive in Florida, you’ve probably heard all sorts of “facts” about auto insurance — from what’s covered to what’s required by law. The problem? A lot of these so-called facts are myths that could cost you money, leave you underinsured, or even get you in legal trouble.

At The Isom Insurance Group, we believe knowledge is your best policy. Let’s bust five of the most common Florida auto insurance myths so you can drive with confidence.


1. “Florida Only Requires Full Coverage”

The Truth: Florida law actually requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) — not “full coverage.” The term “full coverage” is a vague industry nickname and doesn’t mean the same thing for everyone.

Why It Matters: If you think you have “full coverage” but don’t carry comprehensive or collision, you may not be covered if your own car is damaged in an accident, stolen, or hit by a storm.


2. “Red Cars Cost More to Insure”

The Truth: The color of your car does not affect your insurance rate. Insurers care about make, model, year, safety features, and repair costs — not the paint job.

Why It Matters: Don’t let color myths influence your car choice. If you love that red convertible, buy it — your rate won’t change just because of the color.


3. “PIP Covers Everything After an Accident”

The Truth: Florida’s PIP covers 80% of medical expenses and 60% of lost wages up to $10,000, regardless of fault. It does not cover everything, and it won’t pay for vehicle repairs.

Why It Matters: If your medical bills or lost income exceed PIP limits, you’ll need additional coverage — like bodily injury liability, medical payments, or uninsured motorist protection.


4. “Older Cars Don’t Need Collision Coverage”

The Truth: Whether to carry collision coverage depends on your car’s value and your financial comfort level — not just its age. Some older vehicles still have high market value.

Why It Matters: Dropping collision coverage might save you money on premiums, but if your car is totaled and you can’t afford to replace it, the savings may not be worth the risk.


5. “All Insurance Companies Are the Same”

The Truth: Every insurance carrier has different rates, coverage options, discounts, and customer service standards.

Why It Matters: Working with an independent agency like The Isom Insurance Group means we can shop multiple top-rated carriers — including Geico, Progressive, Travelers, The Hartford, and more — to find your best fit.


The Bottom Line

When it comes to auto insurance, the wrong information can leave you underinsured or paying more than you should. At The Isom Insurance Group, we’re here to help Florida drivers cut through the confusion and get coverage that truly meets their needs.

📞 Call/Text Us Today: 863-535-6903
🌐 Visit: www.isominsurancegroup.com

#FloridaInsurance #AutoInsuranceTips #InsuranceMyths #IsomInsuranceGroup #DriveSmart

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What Does ‘Full Coverage’ Auto Insurance Really Mean in Florida?

What Does “Full Coverage” Auto Insurance Really Mean in Florida?

If you’ve ever called around for car insurance quotes, you’ve probably asked:
“Can I get a quote for full coverage?”
Here at The Isom Insurance Group, we hear that question every day. And while it’s a great place to start, let’s clear up what “full coverage” really means—especially here in Florida.


🚗 Full Coverage = Not a Real Policy Type

Let’s be honest: there’s no actual insurance policy called “full coverage.”
It’s an informal term that usually refers to a combination of:

  • Liability coverage (required by law)
  • Comprehensive coverage (non-collision: theft, weather, vandalism)
  • Collision coverage (damage to your car from a crash)

Think of it as the basics + protection for your own car.


💡 Florida-Specific Requirements

Florida only requires:

  • $10,000 in Personal Injury Protection (PIP)
  • $10,000 in Property Damage Liability (PDL)

That’s bare minimum. It won’t fix your car if you’re at fault, and it definitely won’t help if you cause a major accident. That’s why most people ask for “full coverage”—because they want peace of mind.


🛠 What’s Usually Missing From “Full Coverage”?

Most Florida drivers are surprised to learn that “full coverage” may still exclude:

  • Uninsured/Underinsured Motorist (UM/UIM)
  • Roadside assistance
  • Rental reimbursement
  • Gap coverage

In fact, 1 in 5 drivers in Florida are uninsured. If they hit you and you don’t have UM/UIM? You could be left footing the bill.


🧾 The Best Coverage is Personalized Coverage

At The Isom Insurance Group, we don’t just plug in your info and spit out a quote. We take time to learn about:

  • How far you drive
  • Your vehicle’s value
  • Whether you commute, drive for Uber, or just run errands
  • What kind of financial protection you’re comfortable with

And because we’re independent, we shop multiple carriers like Progressive, Travelers, and Allstate to get you the best deal for your needs.


👋 Final Thoughts

“Full coverage” can mean different things to different people. Don’t assume it’s a catch-all—you deserve a policy that actually protects what matters to you.

We’re based in Polk County and proudly serve drivers across the entire state of Florida.

👉 Click here to request a custom quote now.


Need help? Talk to a real person who cares. Call us today or send us a message—we’re here for Florida drivers just like you.

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