Automobile insurance is designed to cover risk of financial liability or loss a motor vehicle owner may face if their vehicle is involved in a collision resulting in property or physical damages. In the State of Florida, if you own a vehicle with at least four wheels and are registering it, you must have auto insurance. A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored. Many insurance companies offer premium discounts based on these factors. Let Pandora insurance review all the above factors and help you develop an insurance plan with the appropriate carrier to help you meet your needs with the best possible coverage and the lowest price.