9 out of 10 people save money
with Core 4.

As an independent agency, we shop your coverage across 120+ carriers at the same time — something a single-brand agent simply can't do. Progressive can only sell Progressive. Geico can only sell Geico. We quote all of them (plus 118 others) and recommend the one that fits your situation best.

That's why 9 out of 10 people who quote with Core 4 end up paying less than they were before. Often the coverage ends up better on top of the savings — because we're also looking at deductibles, limits, and bundling opportunities your old carrier may never have mentioned.

Nope — quoting with us is completely free, and there's zero obligation to buy. We only get paid by the insurance carrier after you choose to purchase a policy, which means our only incentive is finding coverage you're genuinely happy with. No high-pressure sales, no hidden fees, no "consultation charge."

We cover the full stack for Florida life:

Personal: Auto, homeowners, renters, and condo (HO-6). Recreational: Boats, RVs, motorcycles, jet skis, ATVs, and classic/collector vehicles through Hagerty. Commercial: General liability, Business Owner's Policy (BOP), commercial auto (single vehicle up to full fleets), workers' compensation, and professional liability / E&O. Health: Medicare Supplement plans.

If it needs insurance and you're in Florida, we can probably quote it. If for some reason we can't, we'll tell you straight and point you somewhere that can.

We're appointed with 120+ carriers. The biggest names you'll recognize: Progressive, Geico, Dairyland, Bristol West, Ocean Harbor, Kemper, National General, Citizens Property Insurance, Hagerty, The General, and GAINSCO.

We also work with specialty and regional carriers that are great for Florida-specific needs: NEXT Insurance, USLI, Amwins, UAIO, Star Casualty, Tapco, Bass Underwriters, Ascendant, Appalachian Underwriters, and more. That breadth is how we find the right fit for hurricane-prone coastal homes, SR-22 filings, classic cars, commercial fleets, and everything in between.

Sí, por supuesto. Nuestro equipo es completamente bilingüe. Atendemos a nuestros clientes en inglés o español — por teléfono, en persona, o en línea. Todas las pólizas, documentos y explicaciones están disponibles en español si lo prefieres.

Yes — the full team is bilingual. Call, walk in, or start online in whichever language you're more comfortable with. Disponible en Español, sin problema.

Geico, State Farm, Allstate, Progressive direct — those are single carriers. They sell only their own policies, and they can only offer you their rate. If their rate isn't competitive for your situation, tough luck.

Core 4 is an independent agency. We quote Progressive, Geico, and 118 other carriers side by side, then recommend the one that actually fits you best. You get one human advocate (not an 800-number call center), and we stay with you long after the sale — for renewals, mid-policy changes, and claims support. Same phone number every year.

Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) to register a vehicle. That's the legal minimum to drive.

Here's the catch: PIP only covers your medical bills, and PDL only covers damage you cause to someone else's property. Neither covers injuries you cause to other people, and neither pays to fix your car after an accident. That's why we almost always recommend adding Bodily Injury liability, Uninsured Motorist coverage, and collision/comprehensive. We'll walk you through the math on what each layer costs — usually it's a few dollars a month for a huge amount of extra protection.

Absolutely — we love walk-ins. The office is at 3488 Red Road, Miramar, FL 33025, easy access from I-75 and Florida's Turnpike. We're open Monday through Friday 9 AM to 7 PM and Saturday 9 AM to 5 PM. Closed Sundays.

If driving over isn't convenient, call (954) 420-1501, email info@core4insurance.com, or start your quote online at core4insurance.com/get-a-quote. Same team, same coverage, whichever door you come through.