Car Insurance
We love and value our cars. More importantly, we love and value the well-being of those we move around in those cars. Let us tailor a policy that protects both your vehicle and your family as well.
Car Insurance in Florida.
From daily commutes to weekend road trips, your car keeps life moving. At Smith & Thomas Insurance, we provide drivers in Lakeland, Polk County, and across Florida with affordable and reliable auto insurance coverage. As an independent agency, we compare policies from multiple carriers to help you get the protection you need at a price that fits your budget.
Why Car Insurance Matters.
Car insurance isn’t just a legal requirement in Florida—it’s your safety net on the road. The right policy protects you from the financial burden of:
- Accidents and collisions
- Damage from storms, flooding, or falling objects
- Theft or vandalism
- Liability if you’re at fault for injuries or property damage
Our goal is to make sure you’re covered no matter what the road brings.
Types of Auto Insurance Coverage:
At Smith & Thomas Insurance, we help you find coverage that fits your life — whether you’re driving to work, hauling a trailer, or heading to the coast for the weekend.
Our auto policies can include:
- Liability coverage – pays for injuries or damages you cause to others
- Collision coverage – repairs your car after an accident
- Comprehensive coverage – protection against theft, fire, storms, or animal damage
- Personal injury protection (PIP) – required in Florida, helps with medical expenses regardless of fault
- Uninsured/underinsured motorist coverage – protects you if the other driver isn’t adequately insured
- Roadside Assistance & Towing – for when the unexpected happens on the road
- Rental Reimbursement – keeps you moving while your car is in the shop
We’ll walk you through your options and explain how deductibles and coverage limits affect your premium.
Florida Minimum Auto Coverage
Florida requires all drivers to carry minimum levels of insurance — but minimums don’t always mean enough protection. While meeting state requirements keeps you legal, it often leaves gaps that can cost you later.
When Florida set its minimum coverage limits, a new car cost a lot less. What once may have covered a major accident might barely cover a fender-bender today.
We help our clients find affordable options that go beyond the basics, so one accident doesn’t turn into a financial disaster.
Why Choose Smith & Thomas Insurance?
Local knowledge – We understand Florida’s driving risks, from hurricanes to heavy traffic.
Independent agents – We shop multiple carriers like Travelers and Progressive for you, not just one.
Personalized service – We tailor policies to fit your car, lifestyle, and budget, from daily drivers to classic and collector cars.
Trusted by drivers in Florida – Our clients rely on us for honest advice and reliable protection.
Get a Free Auto Insurance Quote Today!
Don’t hit the road without the right protection. Contact Smith & Thomas Insurance for a free, no-obligation auto insurance quote.
Call us at 863-688-1141, request your quote online today, or stop by our office in Lakeland, Florida.