Florida Auto Insurance

Nobody asks to be involved in a car crash. Florida auto insurance gives you the peace of mind, and security that comes along with knowing you are properly covered for whatever the outcome may be. Our hope is to earn your trust by providing you the policy you need at a rate you can afford. We only need a few minutes of your time to see if we are able to match your coverages for a lower rate.

What Car Insurance Is Required By Law In Florida?

Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance. PIP covers up to 80% of the first $10,000 worth of all reasonable and necessary medical expenses from a covered injury, regardless of who caused the crash. PDL is to pay for damage you, or someone driving your car causes to someone else’s property. We also require Bodily Injury limits of $10,000 per person, $20,000 per occurrence. BI is liability insurance to cover you and your assets if you injure someone else. Our team of professional car insurance Agents can make sure you have the proper amount of car insurance coverage no matter what.


Florida Car Insurance

As an agency, we are committed to making sure customers get the coverages they need at a price they can afford. Our agents understand the risks people face while on the road. That is why we make it a point to care enough to take the time needed to explain coverages, and look for ways to save you money.

Providing you with a car insurance quote only takes a few minutes, and can save you hundreds of dollars.

What Is Considered Full Coverage Auto Insurance In Florida?

Full coverage auto insurance includes collision and comprehensive coverage with required PDL and PIP coverages. Collision and comprehensive coverages pay for the replacement and repair of your vehicle due to a covered accident. If you have a car loan or lease in Florida, then you probably are already aware of these coverages because your lender requires them. Collison pays for damage caused by a collision with another vehicle, while comprehensive includes covered perils like theft and vandalism. Keep in mind that before your insurance pays anything, you will typically have to pay a deductible out of pocket. Chipped front glass is covered if you have comprehensive coverage with no deductible.

Affordable Car Insurance For You, Your Car & Passengers

Our commitment is to make sure all our clients have the proper amount of insurance coverage for all the many risks we face. The state of Florida requires all drivers to have $10,000 in coverage for Personal Injury Protection (PIP). Bodily Injury coverage is for the other person, Uninsured Motorist Coverage is for you, and Collision and Comp are for your vehicle. Other optional coverages can be purchased as well.

Safe Driving Discounts, Multiple Policy Discounts & More

It pays to allow Cathy Sink Agency the opportunity to be the one insurance Agency you count on to insure everything. Multiple Policy discounts can lower your premiums and be very convenient. Our team offers fast service, incredible knowledge, and a caring approach to making sure you and your family are adequately covered for the best available market rate.


Claims Satisfaction Guarantee

Cathy Sink Agency represents a large insurance company that everyone knows (but we can’t mention on our website). We are very reputable, and well known as a company you can trust. Our clients get the best treatment when claims are reported. We believe it is our duty to make sure you are satisfied when claims are reported. Our insurance adjusters are available to handle your claims at any time. Our company has a very simple, streamlined approach to guarantee our clients satisfaction with how we handle claims. 

Florida Car Insurance Coverages


Bodily Injury

Pays the other person if you are at fault, and protects your assets


Property Damage

Pays for damage you or someone driving your car causes to others property


Personal Injury Protection

Pays up to 80% of the first $10,000 of medical expenses regardless of who is at fault


Medical Payments

Pays you to receive treatment that is not normally covered by your health insurance.



Pays for your vehicle to be repaired or replaced when there is damage from a covered accident involving collision



Pays to repair or replace your vehicle if it is vandalized, or stolen. Also covers glass claims.