If you’re raising a family in Florida, your car is more than just a way to get from point A to point B—it’s the backbone of your busy life. From school drop-offs and after-school activities to family vacations and weekend errands, your vehicle keeps your family moving. But is your auto insurance keeping up with your real-life needs?

Every year, Florida’s insurance landscape changes. Rates shift, new coverage options appear, and your family’s needs evolve. Maybe your oldest is learning to drive, you just bought a new SUV, or you moved to a new neighborhood. These changes can seriously impact your insurance—and your peace of mind.

At Comegys Insurance Agency, we’ve spent over 86 years helping Florida families protect what matters most. We believe auto insurance should be clear, affordable, and tailored to your real life. This guide is your complete roadmap to Florida auto insurance in 2026, with every tip, checklist, and insight focused on families like yours.

Florida’s roads are some of the busiest in the country. Between year-round residents, seasonal “snowbirds,” and millions of tourists, the traffic never really slows down. For families, that means more time in the car—and more chances for accidents, fender-benders, or unexpected surprises.

Florida’s rapid growth means new schools, new subdivisions, and new faces everywhere. If you’ve moved recently, noticed more traffic, or seen new construction in your area, you’re not alone. Insurance companies watch these trends, and they can affect your rates and coverage options.

Today’s family cars are loaded with features—backup cameras, lane assist, Bluetooth, and more. While these are great for safety, they can make even small repairs expensive. A minor bump in the school parking lot might mean replacing a sensor or recalibrating a camera.

From pop-up storms to hurricane season, Florida weather keeps families on their toes. Flooded roads, fallen branches, and sudden downpours can cause accidents or damage your car. Even if you’re a careful driver, you can’t control the weather—or other drivers.

Florida’s insurance laws and carrier guidelines are some of the most complex in the country. What worked for your family last year might not be the best fit this year. That’s why it’s so important to review your coverage with a trusted agency like Comegys.

One year you’re buckling your child into a booster seat, the next they’re asking to borrow the car for a weekend soccer game. Adding a teen driver? That’s a major milestone—and a major change for your insurance. Even if your kids are still young, their needs will shape your coverage for years to come.

Maybe you upgraded to a minivan for family road trips, or you switched to a hybrid for your daily commute. Maybe you’re driving less (thanks to remote work) or more (thanks to a new job across town). Every change in your driving habits is a reason to review your policy.

Carriers regularly change their rates, offer new discounts, or adjust their rules. What saved you money last year might not be the best deal this year. A yearly review with Comegys ensures you’re not leaving savings on the table.

Did you move to a new neighborhood? Add a family car? Start carpooling with neighbors? Life is full of surprises, and your auto insurance should keep up. A yearly review helps you catch gaps, update your info, and make sure your family is fully protected.

Understanding your auto insurance doesn’t have to be complicated. Here’s a breakdown of the main types of coverage, with examples for families:

Bodily Injury Liability

This helps pay for injuries you cause to someone else in an accident. For families, this is especially important if you have a new driver in the house—mistakes happen, and you want to be protected.

Property Damage Liability

If you (or your teen driver) accidentally bump into another car—or even a mailbox—this covers the damage. With more cars on Florida’s roads, this coverage is a must.

Personal Injury Protection (PIP)

Florida is a “no-fault” state, which means your own insurance helps cover your medical bills, no matter who caused the accident. This is required for everyone, but it’s especially helpful for families with kids or for those who want to avoid unexpected medical costs.

Uninsured/Underinsured Motorist Coverage

Not everyone on the road has enough insurance. This coverage protects you if you’re in an accident with someone who doesn’t have enough (or any) insurance. It’s a good safety net, especially with so many out-of-state drivers visiting Florida every year.

Collision Coverage

This helps pay for repairs if your car hits another vehicle or object. If you have a newer car or one that’s financed, you’ll likely need this. Families with multiple vehicles or a brand-new car should double-check their collision coverage.

Comprehensive Coverage

This covers things like theft, vandalism, or weather damage (like fallen branches or flooding). Florida’s weather can be unpredictable, so this is worth considering, especially if you park outside or live in storm-prone areas.

Rental Reimbursement and Roadside Assistance

If your car is in the shop after an accident, rental reimbursement helps cover the cost of a rental car. Roadside assistance is great for families with teen drivers or anyone who wants peace of mind on the road—think flat tires, dead batteries, or getting locked out.

Did you know that bundling your auto insurance with other policies—like home, renters, boat, or golf cart insurance—can save your family money? At Comegys, we help families find discounts by combining all their coverage under one roof.

Why Bundling Makes Sense

• One-stop shopping: Manage all your policies in one place.
• Discounts: Most carriers offer lower rates when you bundle, which can add up for busy families.
• Simplified claims: If you ever need to file a claim for both your car and your home, having one agency makes the process smoother.

Tip: If you have a boat, golf cart, or even a vacation home, ask Comegys about multi-policy options. You might be surprised at how much you can save.

When families sit down for their annual review with Comegys, here are the most common updates:

1. Adding or Removing Drivers

• A new teen driver in the house? Time to update your policy (and maybe increase your liability).
• College student moving out? You may be able to adjust your coverage and save.

2. Buying, Selling, or Swapping Vehicles

• New family car? Let us help you choose the right coverage.
• Selling an older vehicle? You might want to drop certain coverages.

3. Changing Driving Habits

• Working from home now? Fewer miles could mean lower rates.
• More road trips or carpools? Let’s make sure your coverage keeps up.

4. Exploring New Carriers

• Comegys works with a wide network of top-rated insurance companies. If one carrier changes its guidelines or rates, we can shop around for you—so you always get the best fit.

5. Reviewing Deductibles

• Raising your deductible can lower your premium, but it also means more out-of-pocket if you have a claim. We’ll help you find the right balance for your budget.

6. Adding Coverage for Special Vehicles

• Boats, golf carts, RVs, and more—Florida families love their toys! Make sure everything is covered, especially for those weekend getaways or family adventures.

One of the biggest benefits of working with Comegys Insurance Agency is choice. We’re not tied to just one insurance company. Instead, we partner with a large network of carriers, so Florida families can:

• Compare pricing and coverage: No two carriers are alike. We help you see all your options.
• Adjust to market changes: If rates go up with one company, we can often find a better deal elsewhere.
• Match your coverage to your lifestyle: Big family? Lots of drivers? We’ll tailor your policy to fit.
• Reevaluate after life changes: New home, new car, new job? We’re with you every step of the way.

Modern vehicles are safer than ever, but they also bring new insurance considerations:

• Advanced safety features: Lane-keeping assist, blind-spot monitoring, and automatic braking can reduce accidents—but repairs are often pricier.
• Electric vehicles (EVs): These are becoming popular for families. EVs may need special coverage or repair shops.
• Teen drivers and technology: Many new cars allow you to set speed or location limits for your teen. Ask us how this can impact your insurance.

Pro Tip: Always let your agent know if you buy a vehicle with advanced safety tech. Some carriers offer discounts for these features!

Has anything changed in my family or driving habits this year?

• New drivers, new car, new commute, more road trips?

Are there new discounts or carriers I should know about?

• Let us shop the market for you.

Is my coverage still the right fit for my vehicles and drivers?

• Especially if you have teens or older vehicles.

Are my deductibles and limits right for my budget?

• We’ll help you find the sweet spot.

Do I need extra protection this year?

• Rental reimbursement, roadside assistance, or uninsured motorist?

Is all my information up to date?

• Address, drivers, vehicles—accuracy means better coverage.

For over 86 years, Comegys Insurance Agency has stood by Florida families through every twist and turn of life on the road. Our team is here to make insurance simple, personal, and stress-free—no matter how busy your household gets.

What Makes Comegys Different?

• Family-Focused Service: We understand the unique needs of Florida families, from new drivers to growing households.
• Personalized Reviews: We don’t do “one-size-fits-all.” Every year, we’ll review your policy with you to make sure it fits your real life.
• Wide Carrier Network: More choices mean better options and more savings.
• Clear Explanations: We break down every coverage in plain language, so you always know what you’re getting.
• Support When You Need It: Claims, questions, life changes—we’re just a call or click away.

When the Johnsons’ oldest daughter got her license, they were nervous—about her safety and their insurance bill. Comegys helped them find a policy that included a teen driver discount, set up telematics to reward safe driving, and added extra liability protection for peace of mind. The Johnsons now feel confident every time their daughter hits the road.

Q: What’s the best way to save on family auto insurance in Florida?

A: Bundling your auto policy with home, renters, or boat insurance is a great start. Also, ask about discounts for safe driving, good grades (for teens), and advanced safety features.

Q: How does adding a teen driver affect my rates?

A: Teens are considered higher risk, so your premium may go up. But Comegys can help you find discounts and set up safe driving programs to keep costs manageable.

Q: Do I need special coverage for carpooling or rideshare?

A: If you regularly carpool or use your car for rideshare (like Uber or Lyft), let us know. You may need additional coverage to stay protected.

Q: What if my family splits time between Florida and another state?

A: We’ll help you navigate multi-state coverage and make sure you meet all legal requirements.

Q: How often should I review my policy?

A: At least once a year, or anytime you have a major life change (new car, new driver, move, etc.).