TERMS & CONDITIONS
Last Updated: April 1, 2026
BUSINESS IDENTITY
FloridaAutoInsurance.com is an assumed business name (DBA) of Drivers Insurance Agency, Inc. (“DIA”). Throughout this document, references to “we,” “us,” or “our” refer to Drivers Insurance Agency, Inc. and FloridaAutoInsurance.com.
GENERAL USE OF WEBSITE
By accessing or using this website, you agree to be bound by these Terms & Conditions.
If you do not agree with these terms, you must discontinue use of this website immediately.
INFORMATIONAL PURPOSES ONLY
All content provided on this website is for informational purposes only and does not constitute legal, financial, or insurance advice.
Insurance quotes, coverage descriptions, and recommendations are estimates only and are subject to the actual terms, conditions, exclusions, and limitations of the insurance policy issued.
NO GUARANTEE OF COVERAGE OR RATES
Drivers Insurance Agency, Inc. does not guarantee:
- Approval for coverage
- Specific pricing
- Coverage availability
- Policy issuance
All underwriting decisions are made by the insurance carrier.
USER RESPONSIBILITY
You are solely responsible for:
- Selecting coverage limits and deductibles
- Reviewing your policy documents
- Providing accurate and complete information
Any misrepresentation, omission, or inaccurate information may result in:
- Policy cancellation
- Denial of claims
- Increased premiums
You agree to hold DIA harmless from any consequences resulting from inaccurate or incomplete information.
BROKER AUTHORIZATION
By using this website, you authorize Drivers Insurance Agency, Inc. to act as your broker of record for purposes including:
- Obtaining insurance quotes
- Submitting applications
- Placing coverage
DIA acts as an intermediary and does not underwrite insurance policies.
PAYMENTS AND POLICY ACTIVATION
Coverage is not active until:
- Payment is successfully processed
- Application is accepted by the insurance carrier
All payments are conditional.
If a payment is declined, reversed, or disputed:
- Coverage may be voided
- Additional fees may apply
- Collection activity may occur
You agree to pay all applicable fees permitted under Florida law.
SR-22 / FR-44 DISCLOSURE
An SR-22 or FR-44 is not an insurance policy. It is a state-required filing proving financial responsibility.
These may be required due to:
- Driving without insurance
- License suspension
- DUI or serious violations
You must maintain continuous coverage. Any lapse may result in:
- License suspension
- Restart of filing requirements
- Additional penalties
DIA does not guarantee approval or pricing.
CONTINUOUS COVERAGE REQUIREMENT
Florida law generally requires continuous insurance coverage for registered vehicles.
Failure to maintain coverage may result in:
- License suspension
- Registration suspension
- Reinstatement fees
You are solely responsible for maintaining compliance.
SMS / TEXT MESSAGE CONSENT (TCPA COMPLIANCE)
By submitting your information through this website, you consent to receive SMS messages from FloridaAutoInsurance.com and Drivers Insurance Agency, Inc., including:
- Account notifications
- Customer service messages
- Marketing communications
Message frequency varies. Message and data rates may apply.
You may opt out at any time by replying STOP.
Reply HELP for assistance.
We do not sell or share mobile information with third parties for marketing purposes.
CALL RECORDING DISCLOSURE
By contacting us via phone, you acknowledge and agree that calls may be recorded or monitored for:
- Quality assurance
- Training purposes
- Compliance and documentation
LEAD FORM CONSENT
By submitting any form on this website, you agree that:
- You are providing express written consent to be contacted
- DIA and its partners may contact you via phone, SMS, or email
- Contact may include automated dialing systems
Consent is not required as a condition of purchase.
PRIVACY AND DATA USAGE
We collect information necessary to provide quotes and services, including:
- Name, phone number, email
- Driver and vehicle information
- Insurance history
This information may be shared with:
- Insurance carriers
- Service providers
We do not sell personal information.
While we take reasonable security measures, we cannot guarantee absolute data security.
THIRD-PARTY SERVICES
This website may link to third-party websites or services.
Drivers Insurance Agency, Inc. does not:
- Control third-party content
- Guarantee their services
- Accept responsibility for third-party actions
Use of third-party services is at your own risk.
DISCLAIMER OF WARRANTIES
THIS WEBSITE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND.
Drivers Insurance Agency, Inc. DISCLAIMS ALL WARRANTIES INCLUDING:
- MERCHANTABILITY
- FITNESS FOR A PARTICULAR PURPOSE
- NON-INFRINGEMENT
We do not guarantee uninterrupted or error-free service.
LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY FLORIDA LAW:
Drivers Insurance Agency, Inc. SHALL NOT BE LIABLE FOR:
- Direct or indirect damages
- Loss of profits
- Data loss
- Service interruptions
- Unauthorized access
Use of this website is at your own risk.
INTELLECTUAL PROPERTY
All content on this website is owned by Drivers Insurance Agency, Inc. and protected by copyright laws.
You may not copy, reproduce, distribute, or modify any content without prior written consent.
GEOGRAPHIC USE
This website is intended for use within the United States, primarily Florida.
We may use IP-based tools to determine general location for user experience purposes.
GOVERNING LAW
These Terms & Conditions are governed by the laws of the State of Florida.
Any disputes shall be resolved exclusively in Florida courts.
MODIFICATIONS
Drivers Insurance Agency, Inc. reserves the right to update these Terms & Conditions at any time.
Continued use of the website constitutes acceptance of updates.
ENTIRE AGREEMENT
These Terms & Conditions represent the entire agreement between you and Drivers Insurance Agency, Inc.
ACCEPTANCE
By using this website, you acknowledge that you have read, understood, and agree to these Terms & Conditions.