Brightway Insurance Inc
1630 S Congress Ave, Ste 101, Palm Springs, FL 33461
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1630 S Congress Ave, Ste 101, Palm Springs, FL 33461
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4433 10th Ave N, Palm Springs, FL 33461
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2328 S Congress Ave, #2A, Palm Springs, FL 33406
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2945 S Congress Ave, Ste D, Palm Springs, FL 33461
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Learn about insurance coverage options specific to Palm Springs residents.
Palm Springs, Florida insurance rates are dropping in 2026. Get current auto and home insurance costs, local agent info, and money-saving tips for Palm Beach County residents.
Car InsurancePalm Springs, FL auto insurance averages $359/month. Learn about Florida's no-fault PIP requirements and 2026 changes. Compare rates and save today.
The average cost for full coverage auto insurance in Florida is approximately $243 per month or $2,488 annually. Your actual rate in Palm Springs will depend on your driving record, age, vehicle type, and coverage levels. The good news is that major carriers have reduced rates by 8-20% in the past year, so this is an excellent time to shop for coverage.
Yes, significantly. Palm Beach County homeowners with Citizens Property Insurance are seeing an average reduction of 11.9% starting in spring 2026, affecting about 26,000 policies. This follows state insurance reforms that have stabilized Florida's volatile home insurance market. If you haven't shopped your coverage recently, now is an ideal time to compare rates.
It depends on your location and elevation, but flood insurance is worth considering even if you're not in a designated high-risk flood zone. Standard homeowners policies don't cover flooding, and flood damage can occur anywhere. Flood insurance outside high-risk zones typically costs $400-600 annually through the National Flood Insurance Program, making it relatively affordable protection. Consult with a local agent who can assess your specific property's risk.
Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage. However, these minimums provide very limited protection. Most insurance experts recommend carrying much higher liability limits—at least $100,000/$300,000—plus comprehensive and collision coverage, especially with current rate reductions making broader coverage more affordable.
Both options have merit, but a local Palm Beach County agent brings valuable expertise about area-specific risks like hurricane exposure, flood zones, and wind mitigation discounts that can save you money. Local agents also provide personalized service during claims, which matters greatly after a major loss. Consider getting quotes from both local agents and online carriers, then choose based on price, coverage, and the level of service you prefer.
Common discounts include bundling your home and auto policies with one carrier, installing hurricane shutters or impact-resistant windows, having a newer roof, installing a security system, maintaining a claims-free history, and having wind mitigation features. Some insurers also offer discounts for being a long-term customer or for paying your premium annually rather than monthly. Ask your agent about all available discounts—they can add up to substantial savings.
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