Auto Insurance
Personal & Commercial
From your family's daily drivers to your entire work truck fleet, Bulls Insurance Group shops multiple carriers to find you the right coverage at the right price. Florida's no-fault laws and high uninsured motorist rate make getting this right non-negotiable.
Why Auto Insurance in Florida Is Different
No-fault laws, sky-high uninsured motorist rates, and hurricane season make Florida auto coverage its own animal.
Over 20% of FL Drivers Are Uninsured
Florida consistently ranks in the top 5 states for uninsured drivers. If one hits you, your own UM coverage is the only thing standing between you and a massive out-of-pocket loss.
No-Fault Doesn't Mean No Liability
Florida's PIP system pays your medical bills first — but it doesn't protect you from being sued if you cause serious injuries. Bodily injury liability is critical even in a no-fault state.
Hurricane Season Affects Your Car Too
Hail, flooding, and falling trees during storm season cause thousands of vehicle claims every year in Manatee and Sarasota counties. Comprehensive coverage pays for all of it.
Contractors: Personal ≠ Business Use
If you drive your personal truck to job sites and use it to haul tools, your personal auto policy likely won't cover a business-related accident. Commercial auto is not optional — it's the law.
Personal & Commercial Auto Coverage
Bodily Injury Liability
Pays for injuries you cause to other people in an accident. Covers medical bills, lost wages, and legal defense costs if you're sued. Florida minimum is $10K, but we always recommend much higher limits.
- Covers injuries to other drivers & passengers
- Legal defense if you're sued
- Covers passengers in your vehicle
- Recommended: $100K/$300K minimum
Personal Injury Protection (PIP)
Florida is a no-fault state. PIP pays your medical bills and 60% of lost wages after an accident — regardless of who caused it. Florida law requires $10,000 minimum. PIP applies first before health insurance.
- $10,000 minimum required by FL law
- Covers you AND household members
- Applies regardless of fault
- Includes 60% lost wage replacement
- Also covers pedestrian and bicycle accidents
Comprehensive Coverage
Covers damage to your vehicle that isn't from a collision — theft, fire, flooding, hurricane damage, hail, fallen trees, and animal strikes. In Florida, this is where hurricane season makes this coverage essential.
- Hurricane and flood damage
- Theft and vandalism
- Fire, hail, and wind damage
- Fallen tree and debris strikes
- Animal collision (deer, etc.)
Collision Coverage
Covers repair or replacement of your vehicle after a collision — whether you hit another car, a guardrail, or a telephone pole. Required by your lender if you're financing or leasing your vehicle.
- Collision with another vehicle
- Single-car accidents and rollover
- Hit-and-run repairs (with police report)
- Required if vehicle is financed/leased
- Choose your deductible: $500–$2,000
Uninsured / Underinsured Motorist
Florida has one of the highest rates of uninsured drivers in the US — over 20%. If an uninsured driver hits you, this coverage pays your medical bills and damages that their non-existent insurance can't. Critical in FL.
- Over 20% of FL drivers are uninsured
- Pays when the at-fault driver has no insurance
- Underinsured: tops up insufficient coverage
- Stacked vs. non-stacked options in Florida
- Covers hit-and-run accidents
Rental & Roadside Assistance
Rental reimbursement pays for a rental car while yours is being repaired after a covered claim. Roadside assistance covers towing, jump starts, flat tire changes, and lockout service.
- Rental car while yours is in the shop
- 24/7 roadside assistance
- Towing up to 50+ miles
- Jump starts and flat tire service
- Emergency fuel delivery
How Florida Drivers Use Their Coverage
The Martinez Family — Bradenton, FL
Two drivers, two vehicles, full household coverage. Tony commutes to work in Sarasota, his wife Rosa drives the kids to school in Manatee County. Their previous GEICO policy lapsed after a rate increase.
The Coverage
Full coverage on both vehicles — PIP, bodily injury ($100K/$300K), uninsured motorist (stacked), comp and collision with $1,000 deductible, and roadside assistance. Total savings vs. renewal: $340/year.
The Insight
Stacking UM coverage doubled their uninsured motorist protection for about $12/month extra — a no-brainer in a state where 1 in 5 drivers has no insurance. And comp coverage means hurricane season doesn't cost them a dime out of pocket.
Auto is Just One Layer — Your Family Deserves More
Auto insurance protects you from the financial impact of accidents. But if you're a business owner, contractor, or the primary earner in your household — a serious accident or disability can do far more damage than a car repair. We help Florida families and business owners build the full protection stack: auto, life, IUL, and annuities. So an accident on I-75 doesn't become a retirement catastrophe.
Why Bradenton & Sarasota Drivers Choose Us
We're an independent agency — we work for you, not for a single insurance company.
Bradenton & Sarasota Specialists
We write personal and commercial auto for Manatee and Sarasota County residents and businesses. We know the local carriers, rates, and what coverage your area actually needs.
Independent Agency
We shop your coverage across multiple top-rated carriers — not just one brand. You get real rate comparisons and the best fit for your household or business.
Contractor Auto Experts
We understand the difference between personal and commercial use, and help contractors get the right coverage before a claim reveals a gap. We write both personal and commercial auto in one conversation.
Fast Certificates
Contractors and businesses often need certificates quickly for GCs and job sites. We turn around certificates of insurance same day.
Claims Advocacy
When you're dealing with an accident, we help you navigate the claims process — not just hand you a phone number and wish you luck.
The Full Picture
Auto is just one piece. We also help Florida families and business owners build the life insurance and retirement layer — so a car accident doesn't become a financial disaster for your family.
Get Your Auto Insurance
Quote Today
Whether it's your family's daily driver or a fleet of 10 work trucks — fill out the form and we'll shop multiple carriers to get you the right rate. Most personal auto quotes turn around same day.
Auto Insurance Quote
Personal, commercial, or fleet — tell us what you need.