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The Road Ahead: Auto Insurance Tips for Orlando, FL Motorists

Orlando, FL drivers who engage with Insurance Warehouses of America enjoy numerous benefits. While choosing the perfect auto insurance policy may seem challenging, our team of experts simplifies the process. Read on to learn more about key tips to guide your selection.

Scrutinize and Streamline Your Coverage

Before you commit to a policy, make sure to read through it meticulously. This will help you spot any potential issues or unnecessary elements of your coverage. Policies often contain aspects that you might not require. Identifying these beforehand can help you customize a plan that best suits your needs.

Choose Your Vehicle Wisely

The type and size of your vehicle significantly influence your insurance coverage. Larger vehicles usually warrant more coverage than small cars. In addition, luxury vehicles can significantly up your insurance costs. Therefore, consider the implications of your choice of vehicle in the context of your insurance needs.

Explore Policy Combinations

If additional drivers live in your household or you use your vehicle for business purposes, it’s worth inquiring about potential policy combinations. There are many options for conjoined policies, so it’s smart to explore those that apply to your current situation.

Trusting Insurance Warehouses of America

At Insurance Warehouses of America, we understand the challenges associated with finding the right auto insurance policy. By entrusting our seasoned agents with this process, you can avoid typical obstacles and get the best coverage. For more information, Orlando, FL motorists are invited to call or visit us as soon as possible.

Can Friends From Overseas Drive My Car?

Here in Orlando, FL we have many international connections, from our residents and visitors to links with sister cities around the world. You might even be one of our many international residents and wonder if you can let your friends visiting from overseas drive your car here. At Insurance Warehouses of America, we can help. We know that it can be helpful if your visitor needs to make an appointment, volunteer to run errands, or take a tour of the area.

With a driver’s license from their home country, are they good to go in the U.S.? FSU advises students that they should bring both their driver’s license from their home country and the International Driving Permit that’s issued before they come to the U.S. That’s a wise choice even in areas of the U.S. where the IDP is not required because it helps make clear to local officials that the person has a valid driver’s license, especially when the text on the license is in a foreign language. For visits longer than 30 days, it may be necessary to get a Florida driver’s license.

Taking Your License While You Travel

The IDP is also something you can bring with you when visiting overseas to facilitate driving, even renting a car. Some countries require it, and it’s easily obtained online or from the AAA before you leave. If you love to travel, you’ll find this handy information and chances are, you’ll be able to help people who want to visit you in exchange! As always, if you’re unsure about your insurance situation, we’re here at Insurance Warehouses of America to help you navigate legal requirements and insurance policies for drivers in Orlando, FL. Just give our friendly professionals a call with your questions!

Is Your Auto Insurance Policy Meeting Your Needs?

If you have a vehicle, you need an auto insurance policy. But is your current policy giving you the protection you need? Insurance Warehouses of America is dedicated to helping you and other clients in the Orlando, FL area get the right coverage, so you can enjoy safety and peace of mind on the road. It’s important to make sure you’re keeping your policy updated and choosing what meets your needs as your situation changes.

Understanding Your Auto Insurance Policy

By working with a trusted agent, you can get a review of your insurance policy when you need it. Most of the time, it’s recommended that you review your policy once a year in case there are better options than what you currently have. Of course, if you have changes to your household, you also want to get a review of your policy. Adding or removing a driver, getting a different vehicle, moving, or other life events could mean you’ll have better policy opportunities going forward.

The best way to ensure that your policy is meeting all your needs is to talk to your agent and let them know what you want and expect from your insurance coverage. Not everyone who owns a vehicle wants the same level of protection on it, so it’s important to be clear on what you’re looking for. Then your agent can tailor your policy to fit your needs and give you good options to choose from.

Consult With Us

If you’re in the Orlando, FL area and in need of a new auto policy or a review of your current one, reach out to us today at Insurance Warehouses of America. We understand the importance of getting the right policy and changing it anytime your needs change. We’re here to help you get the best coverage for the long term.

Is Your Car Road-Ready for Summer Travels?

Summer is almost here and, for many people, the beaches are calling! If you’re planning to explore some of Florida’s favorite hotspots this summer, now’s the time to get your car road-ready for summer travels. These tips from Insurance Warehouses of America can be helpful in prepping your car for summer in Orlando, FL.

Prepping Your Car for Summer

By preparing your vehicle in advance, you can look forward to safe, smooth summer travels. A full checkup by your mechanic should include the following:

Tire inspection

Florida heat can take a toll on your vehicle’s tires. If your tires are old or worn, you would do well to have them replaced before hitting the road this summer. New tires will reduce your risk of accidents or flats during your travels. You’ll also enjoy better fuel efficiency to help keep fuel costs down.


Your mechanic should ensure all fluids (oil, brake fluid, transmission fluid, coolant, etc.) are clean and at the right level to avoid problems with your engine during your travels.  


Make sure your brakes are working at top capacity. Functional brakes are a must to keep you safe from accidents.   

AC System

Have your AC inspected to make sure all parts are working properly. You don’t want an AC breakdown in the midst of your summer travels.


If you have the funds, consider investing in a few auto accessories to enhance safety and comfort for your travels. And don’t forget to pack a first aid kit and emergency kit in the event of accidents or breakdowns.

Update Your Auto Insurance

Lastly, make sure your auto insurance is up to date to protect you against any eventuality on the road. For help in updating your auto coverage, contact Insurance Warehouses of America in Orlando, FL today! 

Special Considerations in Insuring a Sports Car or Exotic Car

Before you breeze around Orlando, FL in your new sports car or exotic car, you’ll need to insure it against loss. That means insuring it with auto insurance from Insurance Warehouses of America that fully covers its unique glory.

When you purchase an exotic vehicle or sports car, you choose full coverage auto insurance because you want to protect your financial investment from the expense of needing to replace it out of pocket. These unique vehicles cost upwards of $100,000, so insuring them against collision and natural hazards makes sense.

Collision and Comprehensive Coverage

To completely protect yourself from out-of-pocket expenses, we suggest a little insurance alliteration – the three Cs of collision and comprehensive coverage. The state-mandated insurance in Florida only protects the other drivers on the road. To protect yourself from financial loss from needing to repair or replace your vehicle, you need collision and comprehensive.

Collision reimburses you for repairs or pays for the cost of replacing a totaled vehicle when you damage or destroy yours in a collision. It doesn’t matter what you crash into – another car, a fence, the garage wall, etc. Collision pays you for the damage to your own vehicle. It also pays if you let your teen or spouse drive your prized possession, and they crash it into another car, a fence, the garage wall, etc.

Comprehensive covers all the things that no one ever thinks will actually happen until they do. It covers natural hazards, man-made perils, and random acts of nature. That catch-all policy protects from everything ranging from fire and wildfire to protesters at a riot. If it damages your exotic car, it is covered. Falling tree branches, luggage that accidentally falls out of a plane, even if Wiley Coyote accidentally dropped a piano on your car, this covers your loss.

Contact Us Today

Reach out to us at Insurance Warehouses of America In Orlando, FL for auto insurance coverage that fully protects you from financial loss if your sports car or exotic car sustains damage or gets destroyed. Call or email us today to get your policy started.

First New Car? Steps To Take

Your first new car. You sign the loan or lease agreement and get your keys, eager to hit the road with your new investment in mobility. Especially if your previous car was a beater, this can be a watershed moment for you. Insurance Warehouses of America can help you with this. We serve Orlando, FL and we can serve you.

First New Car? Steps To Take

Think Small

If you look for the smallest car that can fit your family, you’ll save money. Not only up front but in the long run. Up front, an average compact SUV runs more than $10,000 more than the average compact car, and that’s before the additional price in fuel and maintenance that an SUV will charge you (a typical gas-powered compact SUV will get 14-23 miles per gallon, while a typical compact car will go around 24-35 mpg). Cars are simply less expensive, both up-front and in the long run than SUVs.

It doesn’t have to be new-new

Many dealerships now sell “certified preowned” cars. These are lightly used vehicles that have no damage or mechanical flaws but have technically been used before. Many certified pre-owned vehicles are closeouts from the previous model year. This can be a great way to get a car that looks, feels, and drives like a new car without the price hit and depreciation costs of a brand-new vehicle.

Get Insurance

This is generally automatic. In many states, the dealer will not let you drive off the lot unless you have insurance for your new car. If possible, shop for your new car insurance before you ever set foot on the lot. If you’re shopping for a new car in the Orlando, FL area, talk to Insurance Warehouses of America so that we can help you get the best rates on your new car.

Why basic auto insurance may not be right for you

Florida is a no-fault state. It also has limits on the amount that you can sue the driver who is responsible for an accident. At Insurance Warehouses of America in Orlando, FL we know that no-fault can be very confusing, and we are here to help our customers and potential customers understand what coverage they need and also what options they have. 

Why basic auto insurance may not be right for you

In Florida, the basic amount of auto insurance that you must have is $10,000 in PIP and a minimum of $10,000 in PDL. PIP is personal injury protection which will pay for injuries that you sustain in an auto accident. PDL is property damage liability, which is what will be paid for damage to someone else’s property. 

When you think about what a hospital stay can cost, you realize that $10,000 is about what one visit to the emergency room can cost. An extended hospital stay could run into hundreds of thousands of dollars. With the current cost of vehicles, $10,000 doesn’t go very far either. If you don’t want to end up owing massive amounts after an accident, basic auto insurance may not be enough to protect you. 

For those who have an auto loan or a lease, basic insurance will not be acceptable. You will also need to carry collision and comprehensive to protect the vehicle. 

Get The Right Insurance Coverage For Your Vehicle Today

Even if you don’t have an auto loan, collision and comprehensive coverage may be something you need. It will help to repair or replace your vehicle if it is damaged in an accident or by much other non-accident damage. Comprehensive will also cover the theft of your vehicle. If you count on your vehicle, it is important to make sure it is protected. 

Contact Insurance Warehouses of America in Orlando, FL for help with all your auto insurance needs. 

Meeting Florida Auto Insurance Minimums

If you just moved to Florida, you discovered how differently it handles its auto insurance requirements from other states. Living in Orlando, FL has its joys and its quirks, and insuring your auto definitely falls under the quirky. Insurance Warehouses of America is here to provide you with expert advice. 

Other states in the US require drivers to carry liability insurance covering bodily injury or death and property damage. Some also require personal injury protection (PIP).

Florida Minimum Auto Insurance

In Florida, you’ll need to carry a policy that provides at least $10,000 in PIP and $10,000 in property damage liability (PDL). The difference stems from Florida’s designation as a no-fault state. That means that whether you caused the accident, or the other driver did, you will each pay your own medical costs.

Your PIP coverage does this. It will also cover the passengers you have with you in the vehicle when you incur an accident. Any damage to your vehicle, PDL covers.

It’s Different if You Drive a Taxi

In Florida, the driver of a taxi must carry different insurance than an individual driver with a non-commercial license. To insure their taxi, a taxi driver must carry PDL coverage of at least $50,000 and at least $125,000 per person in bodily injury liability (BIL) coverage, but twice that amount –  $250,000 per accident.

Contact Insurance Warehouses of America

Don’t drive the roads of Orlando, FL without auto insurance. Contact us to obtain the auto insurance you need to protect yourself financially and comply with Florida state law. We can help you customize your insurance to also include comprehensive, collision, roadside assistance, and to add to your BIL or PIP coverage. Call us today.

Auto Insurance Policy Guide

Insurance Warehouses of America assists the Orlando, FL community. We strive to ensure that our clients are protected in every situation that life brings their way. For over 15 years, we have helped our clients find the policies they need to protect their assets. We have relationships with multiple carriers throughout the state.

Auto Insurance Policy Guide

Auto insurance adds a layer of protection as you travel around completing daily tasks. Your vehicle is covered if you are involved in an accident. Collision coverage will help you take care of the damages. If you are ruled to be responsible for the damages, liability coverage will protect you. Liability coverage also protects you if you accidentally injure someone with your vehicle. Comprehensive coverage protects you in unique ways. You are covered if your vehicle is stolen. Perhaps you are driving on the freeway, and you make an impact with a deer passing through. If your windshield or mirror is damaged, comprehensive coverage will protect you. Orlando, FL is known for its severe weather at times. Comprehensive coverage protects you if your vehicle suffers damage from a local hurricane.

If you plan to modify your vehicle, you can add modified coverage. This type of coverage fully protects any upgrades that you’ve made to your car if you are involved in an accident, or your car gets stolen. Emergency roadside coverage is a safety net if you enjoy taking road trips. Things can become very uncomfortable if you’re 2 hours away from home, your battery dies, or your engine has trouble. Emergency roadside coverage ensures that you will receive immediate service for your issue to get back on the road as soon as possible.

Insurance Warehouses Of America Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.

Partner Carriers

  • Bristol West
  • Foremost
  • Infinity
  • Kemper
  • Progressive
  • American Traditions
  • Bankers
  • Capitol Preferred
  • Federated National
  • Florida Family
  • Florida Peninsula
  • Heritage
  • Security First
  • Southern Fidelity
  • Southern Oak
  • St Johns
  • St. James
  • Universal Property & Casualty