Best Sunrise, FL auto insurance rates

Sunrise, FL Auto Insurance

Calling all drivers in the Sunrise, Florida area.  Looking for ideal auto insurance coverage at affordable rates?  Have questions about your current policy?  At Insurance Authority, we have it all for you.

Experience.  Prompt service.  Great A-rated companies.  That’s what we offer all of our Florida residents.  Call us today at 954-874-8022 and see what we have to offer you. .

Did you know that Insurance Authority is an independent Florida insurance agency that’s been committed to serving Sunrise, Florida residents for almost 30 years?  Our highly skilled agents are proficient in the wide range of auto insurance products, services and prices available in today’s South Florida market as well as the large variety of discounts you may qualify for. Give us a call and find out if you are receiving all the discounts that you are entitled to on your current policy.

Feeling a bit overwhelmed from insurance shopping?   This can easily happen given the many different coverage options, deductible selections and available companies from which to choose. Why not let Insurance Authority spell it out for you, as that’s what we do best.  We offer and/or insure the following:

  • Standard and Preferred auto Insurance
  • High Risk auto Insurance
  • Classic autos / High Valued autos
  • Special program for Mature/Elderly Drivers
  • Available Discounts
  • Recreational vehicles / Business vehicles

Coverage options:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism. Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability Coverage

Liability coverage involves injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments Coverage

Medical Payments coverage relates to medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, regardless of fault. If you and your passengers have health Insurance, you may not need this coverage.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist Coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional Coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and/or roadside assistance.  Although these coverages are not required, additional options such as these pose valuable to any policy.

Coverage Disclosure

Coverage descriptions indicated are only general terminology, so please refer to your policy for actual policy provisions and coverage.

How much do I need?

Choosing the appropriate level of auto insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk. Still have questions? Call us today at 954-874-8022 and get your FREE no obligation auto insurance quote.


Sunrise, Florida –  “ is a city in central-western Broward County, Florida, United States, in the Miami metropolitan area. It was incorporated in 1961 by Norman Johnson – a developer whose World Famous Upside-Down House attracted buyers to what was then a remote area. As of the 2010 census, the city had a total population of 84,439.”