Competitive Auto Insurance Options and Expertise you can rely on.

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Auto insurance the right way

Don’t just leave it in “good hands,” leave it to experts who care and can get you the most competitive premiums and coverage. We’ll help you plan for the unexpected with coverage that’s just right for you and your family.

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Protection That Covers Your Biggest Asset

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24 / 7 customer service
100% coverage on flat tire
100% coverage on flat tire
100% coverage for collision
100% coverage for collision
Personal & property contents
Personal injury
Medical expenses
Personal liability

Auto insurance Faqs


There are multiple types of coverages within an auto insurance policy. In a nutshell, a car insurance policy works like this – If you get into a crash your auto insurance policy will pay for any damage to the other car, and the injury bills for you and the other people involved. You can upgrade your policy to have your car insurance company pay for things like physical damage to your car or things that are out of your control like having your car stolen.


The easy answer is because it is illegal to drive without it in all but 2 states and there are steep fines and penalties you can face if you are caught driving without car insurance. But it goes much deeper than that. The fact is, being out on the roads these days is risky and you never know what will happen. Whether someone else is negligent or you do something wrong, the cost to mitigate the situation is usually way too high for the average American to pay for out of pocket. You need car insurance because you need financial protection from whatever may occur in an auto accident.


That depends. You have car insurance that is required and then car insurance that isn’t required but may be a good idea. Some form of car insurance is required for you to legally drive on the roads in most U.S. states. This is true for Florida. Most states require you to have liability coverage which pays for injuries to others and damage you cause to their car. Most states also require you to have Personal Injury Protection (PIP) as well which means your car insurance company will pay for any medical bills you need for yourself. A third type of coverage called “uninsured motorist” or “underinsured motorist” is also often required by states or the company you have a car loan with. This protects you from people who do not have insurance and will pay for the costs of damage and medical expenses they cause. Then there is insurance that is not required (but may be a good idea to have) like collision insurance and comprehensive insurance. Depending on how much coverage you want, NSI can always add more protection to your plan at a moment’s notice to cover specific things that you may feel are a risk to your vehicle. Talk to your NSI Insurance agent today and we can walk you through what type of car insurance you truly need.


Auto insurance is all about your preference. Most of the coverages offered by car insurance companies in Boca Raton FL are very similar. With such a big, competitive market out there prices also stay very close from company to company.  Here’s why NSI is the best: Those bigger auto insurance companies can’t compete with our expertise, customer service, options, and proven track record of paying claims without problems. NSI has over 60 years of experience and has some of the best customer retention rates in the industry. That’s because we have the expertise to get you the right insurance and the right price and also because we consistently deliver on our promise of paying out hassle-free claims if you have a crash or your car is damaged. Not to mention, other insurance companies just can’t match our options. As an independent insurance broker, we don’t just sell one type of insurance product from one insurance company like most insurance agencies. We have many insurance companies we can call on. Which means you get the best coverage at the best price with the best customer service.


It’s very hard to put a hard price tag on the cost of car insurance from company to company because there are so many factors that ultimately decide the price of a policy. Some of them include how much your car is worth and if you have a loan on it, how much coverage you want, and where you live. But auto insurance isn’t all about finding the lowest price either. Our experts at NSI have dealt with case after case of customers who had the cheapest auto insurance coverage possible through a car insurance giant only to be let down because they thought they had more protection than they actually had. Agents at NSI are trained to leave no gap uncovered even if it means we won’t be the “cheapest” provider. We would rather be the BEST provider.


The simple fact is, cars are more expensive than ever these days and the costs are only getting higher. Most Americans can’t afford to buy a car with cash and so they must take out a car loan to make the purchase. Car lenders have strict guidelines of what must be covered in your car insurance policy which can push the costs much higher than if you don’t have a car loan. Liability coverage is the cheapest coverage but most car lenders require you to have comprehensive coverages that will actually do more to protect them and not you. Another factor is where you live. Big cities with more traffic see more crashes which means an auto insurance company is most likely going to charge more for a policy on the same car that spends its time on quiet rural roads.


So many things go into how a car insurance company calculates your rate.  In fact, the cost of a policy can vary from hundreds of dollars a year depending on where you live and what type of vehicle you drive.  Also, every customer’s rate is very different because everyone has a unique driving record. Typically, the cleaner your driving record is, the cheaper the cost of the policy. A lot depends on your car as well and factors like how much it costs to repair, and how expensive parts are for it. Getting a car insurance quote from NSI is quick and easy. In just a few simple steps you’ll know exactly what you are getting and how we calculated your auto insurance rate.


The minimum amount of coverage you can have depends on the state you live in.  Most states require some level of liability coverage. For Instance, Florida requires $10,000 in property damage liability coverage and $10,000 in personal injury protection.  Other states require the same coverages in the $50,000 dollar range. At NSI we will walk you through your state’s requirements and make sure that the minimum amount of coverage is actually right for you. Getting a low level of coverage will leave you very vulnerable and our agents will never leave you in a situation where you could face a financial nightmare after a crash.


A deductible works like this.  If you get into a crash and the damage is $10,000, the deductible is an amount of money you are asked to pay your auto insurance company before the insurance company will pay the $10,000 to repair your car. Car insurance deductibles are often priced from $500 to $1500 dollars. A higher deductible usually means a lower premium, or monthly cost to you. NSI offers exactly what you prefer when it comes to your deductible range and we will walk you through all the pinpoint pricing.

Do I have to buy car insurance as soon as I buy a car?

Driving without insurance is illegal, so be sure you’re all set before you begin driving (remember, it is required in almost all states within the US territory).

Is it really mandatory to have car insurance?

Yes (with the exception of the states of New Hampshire and Virginia).

If car insurance is mandatory, how much car insurance do I need?

Each state is different in the amount of coverage it requires. You can find out more about the details through your state’s DMV page.

You can ultimately decide on how much additional coverage you’d like (aside from what’s required), but something to consider is getting UM (“Underinsured Motorist”) and UIM ( “Uninsured Motorist”) as an add-on when picking out your next auto insurance. This can be crucial in accidents with uninsured drivers and is relatively inexpensive. Comprehensive coverage usually costs more, but if you live in an area that has a high level of car theft, it’s a valuable add on. All things to consider!

What does auto insurance not cover?

General Wear and Tear such as oil changes, tire rotations and others are the smaller things that are not covered when you buy car insurance. But the good news is that the really important (and costly things) are covered.

Does my car insurance cover other drivers?

This will depend on the specific policy you choose. If your policy has an “omnibus clause”, that does cover any driver who has permission to use your vehicle. If someone who has insurance drives your vehicle, yours will be the primary insurance and theirs will offer secondary coverage.

Having people listed as a named driver on your policy is the best way to make sure everyone is covered. If you’re unsure about the specifics of your policy regarding this matter, be sure to give us a call so we can go over that with you.

What if I don't have a car, do I need to get car insurance ?

You sure can! And it’s smart of you to do so. We offer what’s known as a non-owner car insurance policy. This policy offers standard liability coverage and may let you add medical and underinsured/uninsured motorist protection.

If you don’t own your own car but still drive often (either by borrowing cars and/or renting cars), non-owner car insurance can be an affordable option.

Partners with 50+ top rated insurance carriers

Jay Parker

CEO, Florida Brokerage, of Douglas Elliman

My experience with NSI was mind-blowing in terms of service, diligence and how they provide a higher level of care. They are constantly looking to provide me with added value, not to upsell me but to provide more comprehensive service at a lower price.


Jeff Grady

President & CEO, Florida Association of Insurance Agents

There’s more institutional knowledge at NSI than in most places in Florida. They have real knowledge about their craft…it’s often not just about the price of insurance, it’s about the right coverage and finding the right company.



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About us

For over 60 years we’ve been delivering the most competitive personal insurance options to individuals and families across the United States. Our dynamic approach to personal insurance is unparalleled in our industry. At NSI, you are always the priority. 

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