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Personal Auto Insurance
Locally Owned and Operated Insurance Agency
Serving Orlando, FL - Winter Park, FL - Winter Garden, FL - Clermont, FL, Saint Cloud, FL and Surrounding Cities
Personal Auto Insurance | Central Florida
Local Central Florida agents. Compare carriers for the right auto coverage.
Whether you are commuting through Orlando, heading to work in Winter Park, or running errands in Lake Mary, dependable auto insurance can offer peace of mind and protect your assets. Not only is personal auto insurance a requirement in Florida, it is a plan for protecting your finances and the people who depend on you. At O'Neil, Lee + West, we combine more than 100 years of local service with a friendly, practical approach to coverage. As an independent agency, we represent many insurance companies. That means we can compare multiple options and help you choose a policy that fits your vehicle, lifestyle, and goals, instead of forcing you into a one size fits all solution.
The limits required by the Florida law are low compared to the cost of a claim. Although those required coverages are a starting point, they may not be enough for many Central Florida households. Our job is to help you understand what you’re buying and offer choices that could provide better protection. We take time to explain limits, deductibles, and optional coverages so you can make decisions with confidence.
There are various types of coverage within a personal auto policy. Liability coverage can help when you cause injuries or property damage. Uninsured motorist coverage can add protection if you are hit by a driver who has little or no insurance. Collision and comprehensive coverage can help protect your own vehicle from crashes, theft, and many types of storm related damage, which can be especially important during Florida storm season. Optional coverages like rental reimbursement and roadside help can keep your schedule on track after a covered claim. If you have a loan or lease, we can also help you meet lender requirements while selecting deductibles and coverage levels that make sense for your budget.
When you choose O'Neil, Lee + West, you get an advisor, not a quote bot. If you buy a new vehicle, add a driver, change jobs, or move to a different Central Florida neighborhood, we can review your policy and shop options again. We can also coordinate auto with homeowners, renters, and umbrella coverage so your protection works together. If you ever need to file a claim, we are here to help you navigate the claims process and understand next steps..
Are you ready to compare personal auto insurance options in Central Florida? Call or message us today and we will help you choose coverage that feels right, not rushed.
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Protecting the Things that Matter Since 1917
For over 100 years, O’Neil, Lee & West has been a trusted choice for insurance in Orlando. We offer a variety of personal and commercial insurance coverage and work with you to make sure your coverage remains relevant to your needs.
Commercial Property
Commercial property insurance can protect your business from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, commercial property insurance helps protect your business’ physical assets.
General Liability
With the daily uncertainties of business management, liability coverage is a necessary precaution. No matter how much you plan, accidents happen – on-site, off-site, and with customers. Liability insurance helps cover medical expenses, attorney fees and damages.
Commercial Umbrella
You can’t always plan for the unexpected. A commercial umbrella policy helps protect your business in the event of an accident by providing additional liability protection when your underlying policy limits have been exhausted. Don't chance your dream, protect it.
Personal Umbrella
When accidents happen, a personal umbrella insurance policy can protect you by providing additional liability protection when your underlying policies have been exhausted. Protect what's personal important to you.
Affluent Insurance Coverage
You’ve spent a lifetime acquiring assets. Protect what you’ve built. We understand what’s at stake. Your home, autos, boats, and collections are unique and not all policies are created equal.
Homeowners Insurance
Your home is one of your most important investments, full of memories and belongings that are unique to you. Since we represent many insurance companies, we can help find you coverage for your home.
Frequently Asked Questions
Florida generally requires Personal Injury Protection and Property Damage Liability for most vehicles with at least four wheels. The minimum is $10,000 of PIP and $10,000 of PDL, and Florida requires continuous coverage during the registration period.
PIP is part of Florida’s no fault system and can pay medical expenses from a covered injury regardless of who caused the crash. Florida guidance explains that PIP can cover 80 percent of necessary and reasonable medical expenses up to $10,000.
Many drivers choose uninsured motorist coverage because Florida tracks an uninsured motorist rate measuring vehicles registered but not insured with the required minimum coverage. We will explain how uninsured motorist limits coordinate with your policy and your household needs.
Storm related damage to your vehicle is typically addressed through comprehensive coverage, not liability coverage. Consumer guidance notes that flood damage is generally covered under the comprehensive portion of an auto policy, subject to your deductible and policy terms.
Yes. Some insurers restrict last minute coverage changes when a major storm is approaching, so it is smart to review comprehensive coverage and deductibles early.
The Florida minimum focuses on PIP and PDL, but many families choose higher limits to protect savings and income after a serious accident. We will walk you through options and help you choose limits that fit your comfort level.
Often, yes. Many insurers offer multi policy discounts when you place home and auto together, and bundling can also simplify renewals and billing. Because we represent many insurance companies, we can compare bundled and unbundled options.
Many lenders require physical damage protection such as comprehensive and collision. Consumer guidance notes that comprehensive is generally optional, although your lender may require it if you have an auto loan.
Yes. We help Central Florida families structure limits, deductibles, and discounts thoughtfully, and we shop multiple carriers to find competitive options that fit your household.
You can request a quote online or by phone, and we will follow up to confirm details and present options. O’Neil, Lee + West notes that coverage cannot be bound or changed through an online form and only takes effect when confirmed directly by a licensed agent.
