Auto insurance
Liability, collision, and comprehensive coverage at competitive rates across Florida.
- ✓ Liability & full coverage
- ✓ SR-22 & high-risk drivers
- ✓ Uninsured motorist protection
- ✓ Roadside assistance available
Medicare insurance
Supplement your Medicare coverage with plans that cover what original Medicare doesn't.
- ✓ Medicare Supplement (Medigap)
- ✓ Medicare Advantage plans
- ✓ Prescription drug coverage
- ✓ Licensed Medicare agents
Health insurance
ACA marketplace plans, supplemental, dental, and vision coverage for individuals and families.
- ✓ ACA & marketplace plans
- ✓ Dental & vision coverage
- ✓ Short-term health plans
- ✓ Medicare & supplemental
Life insurance
Term, final expense, and no-exam policies to financially protect your family.
- ✓ Term & whole life policies
- ✓ Final expense & burial plans
- ✓ No medical exam options
- ✓ IUL & living benefits
Quotes in minutes
Compare rates from multiple top-rated carriers in a single call or online. No runaround, no waiting.
Licensed Florida agents
Real people who know Florida insurance regulations inside and out — not a chatbot or a call center overseas.
Best price guarantee
We shop 50+ insurance carriers at once to find your lowest available rate. Our clients save an average of $688 per year.
Liability coverage
Florida requires a minimum of $10,000 PIP and $10,000 property damage liability. Liability coverage pays for injuries and damages you cause to others in an at-fault accident.
Full coverage auto insurance
Full coverage combines liability, collision, and comprehensive. Collision covers your car after an accident; comprehensive covers theft, floods, and storm damage — critical in South Florida.
SR-22 & high-risk auto insurance
If you've had a DUI, multiple violations, or a license suspension, you may need an SR-22 certificate. Our agents specialize in finding affordable high-risk car insurance in Florida.
Uninsured motorist coverage
Florida has one of the highest rates of uninsured drivers in the nation. Uninsured motorist coverage protects you if you're hit by a driver with no insurance or insufficient coverage.
Personal injury protection (PIP)
Florida is a no-fault state, meaning PIP coverage is required. PIP pays for your medical expenses and lost wages regardless of who caused the accident — up to your policy limits.
Not sure what you need?
Our licensed Florida agents will walk you through every option and build a policy that fits your life and your budget — at no extra cost.
What is the minimum auto insurance required in Florida?
Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is a no-fault state, so PIP covers your own medical expenses regardless of fault. Bodily injury liability is not required but is strongly recommended.
How much life insurance coverage do I need?
A common rule of thumb is 10–12 times your annual income. However, the right amount depends on your debts, dependents, income replacement needs, and long-term financial goals. We offer term life, whole life, final expense, and IUL policies to fit every situation.
Can I get car insurance with a bad driving record in Florida?
Yes. Even with accidents, DUIs, or multiple violations, you can still get covered. We work with carriers that specialize in high-risk auto insurance in Florida and can help you find the most affordable rate for your situation, including SR-22 filings if required.
What does commercial insurance cover for my business?
Commercial insurance can cover general liability, commercial property, business interruption, workers' compensation, commercial auto, and professional liability. The right combination depends on your industry, number of employees, and assets. We build custom packages for businesses of all sizes.
Does Direct Insurance Solutions serve all of Florida?
Yes. We are a Florida-licensed insurance agency based in Miami and proudly serve drivers across the entire state of Florida — from Miami-Dade, Broward, Palm Beach, and Monroe in the south, to Orlando, Tampa, Jacksonville, and everywhere in between. We also serve clients nationwide for health, life, and commercial insurance needs.
What types of insurance does Direct Insurance Solutions offer?
We offer auto, health, Medicare, life, home, boat, RV, motorcycle, dental, vision, and commercial insurance. Our licensed agents work with 50+ top-rated carriers to find you the best coverage at the most competitive rate.
How do I know which health insurance plan is right for me?
The best plan depends on your income, household size, and healthcare needs. We help you compare ACA marketplace plans including Bronze, Silver, Gold, and Platinum tiers, and identify any subsidies you qualify for. Most families qualify for plans starting at $0/month.
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles. Medicare Advantage replaces Original Medicare and often includes extra benefits like dental and vision. Our licensed Medicare agents help you compare both options at no cost.
Does homeowners insurance cover flooding?
Standard homeowners insurance does not cover flood damage. Flood coverage requires a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP) or a private carrier. We can help you find the right flood policy for your home.
What factors affect my insurance premiums?
Premiums vary by insurance type but common factors include your age, location, coverage amount, deductible, claims history, and credit score. Our agents shop multiple carriers simultaneously to make sure you are getting the most competitive rate available.
"Andrea has been great to deal with. She is knowledgeable and very organized. Thank you so much for making this an easier process."
"Andrea was not only professional but well knowledgeable. She educated me on health insurance and provided me with the best options fitted to my needs."
"I really appreciate Yessica Sahagun's customer service. She made my insurance plan enrollment an easy process. Her communication skills and patience is incredible. I HIGHLY recommend her!"
"Yessica was exceptional — professional, friendly, and knowledgeable. She provided me with comprehensive coverage options and always had a positive attitude."
"My experience with Andrea Saborio has been excellent since day 1 — very diligent, efficient, problem solving, sweet and very kind. Available anytime, any day."
"Yessica made the process smooth. She helped me find a great plan with so many benefits. I'll definitely work with her again in the future!"
Boat insurance
Protect your boat, yacht, or watercraft from accidents, theft, and storm damage on Florida's waterways.
- ✓ Liability & collision coverage
- ✓ Hurricane & storm protection
- ✓ On-water towing assistance
- ✓ Personal effects coverage
RV insurance
Full coverage for your motorhome, travel trailer, or camper — whether parked or on the road.
- ✓ Comprehensive & collision
- ✓ Full-timer coverage available
- ✓ Emergency expenses coverage
- ✓ Roadside assistance
Motorcycle insurance
Affordable coverage for your motorcycle, scooter, or moped with Florida-specific protection.
- ✓ Liability & collision
- ✓ Custom parts & equipment
- ✓ Medical payments coverage
- ✓ Uninsured motorist protection
Commercial insurance
Protect your business, employees, and assets with comprehensive commercial coverage plans.
- ✓ General liability
- ✓ Commercial auto coverage
- ✓ Workers compensation
- ✓ Business owners policy (BOP)
Home insurance
Protect your home and belongings from storms, theft, floods, and more.
- ✓ Dwelling & personal property
- ✓ Hurricane & flood coverage
- ✓ Liability protection
- ✓ Loss of use coverage
Dental & vision insurance
Affordable dental and vision plans covering routine care, major procedures, and eyewear.
- ✓ Preventive & major dental care
- ✓ Annual eye exams covered
- ✓ Eyeglasses & contact lenses
- ✓ PPO & HMO plans available