Misconceptions about purchasing Auto Insurance

Misconceptions about purchasing Auto Insurance

Living in Florida poses a lot of challenges for the average consumer when purchasing insurance. We position ourselves as an agency that shares information and we educate the consumer for the versatile marketplace we face. I want to share common misconceptions in purchasing homeowners; that in my 23 years in the industry I have come across. As you read these, please keep in mind they are all FALSE. Please call our agency if you would like elaboration or clarity with regards to the shared information and we look forward to serving you and continue to offer valued information to our community.

1. I do not need to carry auto insurance if I don’t drive the car every day
2. My 16-year-old can drive my car all the time and be covered even if they are not on my policy
3. Full coverage means that I have bodily injury coverage
4. I can carry limits of 10/20 bodily injury with a lease vehicle.
5. My agent says the Uninsured motorist covers the other person’s car
6. If I am still paying for my car I do NOT need comp/ collision
7. Personal Injury Protection is better than health insurance
8. I can file a claim if I want a new paint job
9. I have 5 People living in my home but my agent only insures me and the others are covered
10. My driving record does NOT affect my premium
11. The state does not know if I have insurance or not
12. If I have an accident I can show an expired ID card and have coverage
13. I NEVER have to carry proof of coverage in my vehicle
14. If I sell my vehicle I do NOT have to let my agent know
15. My license will not get suspended if I have no insurance
16. I can have 3 claims in one year and my rates will NOT be affected
17. State Required coverage is FULL coverage
18. My rates are so high because there is NO fraud in Florida
19. Age does NOT play a factor with my premium
20. My premium will go up if I get married
21. My insurance is so high because my car is RED

If you have further inquiries about purchasing auto insurance, contact us at our contact form.

Elijeana King-Thompson, CPIA

Founder · Chaisteli Insurance Group — Davie, Florida

Elijeana King-Thompson, CPIA, is the founder of Chaisteli Insurance Group and a licensed insurance professional in Florida and Georgia with more than 30 years of industry experience. Since founding Chaisteli in 2008, she has helped individuals, families, property owners, and businesses understand their risks, evaluate coverage, and navigate Florida’s changing insurance market.

Her areas of experience include homeowners, windstorm, flood, auto, condominium, rental property, commercial, general liability, workers’ compensation, life, and health insurance. Elijeana reviews Chaisteli’s educational content for accuracy and adds practical insights based on her experience serving clients throughout Broward County and South Florida.

Credentials: Certified Professional Insurance Agent, or CPIA, designation · Licensed insurance professional in Florida and Georgia
Education: A.A. in Business Management, Broward College · Women in Executive Leadership Program, Florida Atlantic University College of Business
Professional memberships: PIA National · Latin American Association of Insurance Agencies · National African American Insurance Association · Independent Insurance Agents of Broward County
Service area Davie, Fort Lauderdale, Cooper City, Pembroke Pines, Coral Springs, Plantation, Pompano Beach, Parkland, Hollywood, greater Broward County, and communities throughout South Florida
Languages English and Spanish
Selected recognition: 2026 South Florida Favorites Gold Winner for Top Insurance Agency · Best of Davie 2025 and 2026 · Best of Pembroke Pines 2024–2026 · Nextdoor Neighborhood Fave 2023 and 2024

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