Auto Insurance

Pay as little as $39.99 per month for auto insurance. Let A-Insurance Direct assist you with a online quote or by simply calling (813) 849-7000. It is that easy!

Homeowners Insurance

Get the best rates possible with A-Insurance Direct. We use multiple insurance companies to simply give you the lowest possible rates. Give us a call (813) 849-7000 or online. 

Commercial Insurance

At A-Insurance Direct we believe that business owners need to protect their investment. Have a piece of mind that your investment is protected .


  • Auto Insurance
  • Full Coverage
  • Liability Coverage
  • Homeowners Insurance
  • Commercial Insurance

What is Auto Insurance?

Auto Insurance coverage is packaged into different coverage types. It is usually easiest to determine what you are required to purchase. Then, you determine what you have that needs to be protected. You purchase insurance to protect yourself (your family) in the event that you suffer a loss to your person or property and you purchase insurance to protect yourself (your family) from losses suffered by others. Below is a breakdown of each car insurance coverage type to help you understand more about what each type of coverage protects. Next to each type is a term that is usually associated with that coverage type (i.e. BI and PD). To the left are descriptions of some but not all coverage’s available.

Full Coverage

Full coverage is the term commonly used to refer to the combination of comprehensive and collision coverages (liability is generally also implied.) The term full coverage is actually a misnomer because, even within traditional full coverage insurance, there are many different types of coverage, and many optional amounts of each. “Full coverage” is a layman’s misnomer that often results in drivers and vehicle owners being woefully underinsured. Most responsible insurance agents or brokers do not use this term when working with their clients.


Collision coverage provides coverage for vehicles involved in collisions. Collision coverage is subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable or totaled. Collision coverage is optional, however if you plan on financing a car or taking a car loan, the lender will usually insist you carry collision for the finance term or until the car is paid off. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is the term used by rental car companies for collision coverage.


Comprehensive, also known as other than collision, coverage provides coverage, subject to a deductible, for cars damaged by incidents that are not considered collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of comprehensive losses.

Additionally, the majority of insurance companies list “Acts of God” as an aspect of comprehensive coverage. By definition, it includes any events or occurrences that are beyond human control. For example, a tornado, flood, hurricane, or hail storm would fall under this category.


Uninsured/Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party.

Liability Coverage


Covers other people’s bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it is a good idea (and usually a company requirement) to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. It is mandatory in most states.


Covers you if your car damages someone else’s property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy.

Homeowners Insurance

Home insurance, also commonly called hazard insurance or homeowner’s insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

Commercial Insurance

Here is some of the coverage that you purchase that can help you protect your business from loss and damage.

  • PROPERTY: Property insurance covers your building, equipment or inventory if it is damaged by a covered cause of loss, or if you experience a loss due to theft.
  • GENERAL LIABILITY: General liability insurance pays for your defense and any resulting damages if your product or service causes damage or harm. It can also cover medical bills if a patron is injured on your premises.
  • WORKERS’ COMPENSATION: Workers’ compensation coverage is required by law and provides coverage for employees who are injured on the job.
  • COMMERCIAL AUTO: Commercial auto insurance is important if you or your employees drive company cars or personal vehicles during the course of business. This coverage is essential because auto accident claims can be extremely expensive.

“A-Insurance Direct was my first choice after checking around for quotes. They had the only reasonable price and the customer service is superb! The agents were very kind and helpful. Thank you A-Insurance Direct for the pleasurable experience you have provided!”

Luis Quinones
Satisfied Customer -

What People are Saying!

“I would like to thank your company for working hard to uphold and value customer satisfaction. The agents are easily accessible with almost no wait time to assist with my policy. If it wasn’t for the friendly payment reminder calls, my policy would have cancelled. Even though the agency isn’t right down the corner, it sure does feel like it! Thanks again, A-Insurance Direct!”

Brenda Wilcox
Satisfied Customer -


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