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Personal Auto Insurance in Florida
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Protection designed around the way you move — your vehicle, your driving needs, and the road ahead.
Protection around the vehicle. Protection around you.
Personal Auto Insurance can combine liability protection with coverage options for your vehicle, medical-related expenses, and eligible losses involving uninsured or underinsured motorists.
LIABILITY
Third-Party Property
Helps address eligible bodily injury or property damage claims when a covered driver is legally responsible for an accident.
- Bodily injury liability where applicable
- Property damage liability
- Legal defense for covered claims
- Subject to policy limits
VEHICLE PROTECTION
Physical Damage Optional physical damage coverage can help protect an insured vehicle following eligible collision and non-collision losses.
- Collision
- Comprehensive
- Theft and vandalism
- Other covered events
DRIVER PROTECTION
Personal Protection
Available options can help address eligible medical-related expenses and losses involving uninsured or underinsured motorists.
- PIP where applicable
- Medical-related benefits
- UM / UIM where selected and available
- Coverage subject to policy terms
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Why choose Altesse
© 2026
Guidance
Independent Insurance Guidance
We compare available options through our carrier relationships based on your insurance needs, eligibility and underwriting requirements.
Review
Coverage Review
We help you understand policy limits, deductibles, exclusions and available endorsements as your needs change.
Real-Time
24/7 Member Access
Access policy documents, billing information and service requests through the Altesse Membership Portal.
Class 36
Registered Brand
Altesse® is a federally registered U.S. service mark.
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(Protection Design)
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Questions about your insurance
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What is Altesse?
Altesse is a Florida-based independent insurance agency built around Altesse Membership. We help individuals and businesses evaluate insurance options and keep policy documents, billing information and service requests accessible through our proprietary member portal. Eligible commercial accounts can access or request Certificates of Insurance.
Are there service fees?
We are generally compensated by the insurer when a policy is placed. If an agency or service fee applies to a transaction, we explain it before you proceed. Policy premiums and carrier charges are separate.
What types of insurance are covered?
We help with personal and commercial insurance in Florida, including Personal Auto, Commercial Auto, General Liability, Workers’ Compensation and other eligible property and business solutions. Life and Health Insurance options are available separately. Products depend on carrier availability, licensing and underwriting eligibility.
How does the portal work?
The Altesse Membership Portal is available 24/7 for policy documents, billing information and service requests. Eligible commercial members can access or request Certificates of Insurance; some requests require agent review. A service request does not change coverage until the change is processed and confirmed.
How do I transfer my policies?
Start by sharing your current policies and renewal dates. We review available options and explain whether an agent-of-record change or a new policy is appropriate. Do not cancel existing coverage until any replacement is issued and its effective date is confirmed.