Why Premier Group Insurance for Auto Insurance | Family-Owned • No Call Center • Real Advocacy
Independent • Florida • A-rated carriers
Right Limits. Real Humans. Faster Answers.
You already requested a quote—thank you. This page explains how we protect Florida drivers the right way, why certain coverages matter, and what we’re doing behind the scenes to deliver accurate options without call-center runaround.
★★★★★ Trusted by Florida families • Family-owned • Local team
Set the Right Limits
Protect income, assets, and your future—not just your car.
We don’t “win” quotes by stripping liability or uninsured motorist. We can’t predict every lawsuit, but we do our absolute best to right-size limits using your household profile, vehicles, commute, and risk tolerance.
Why it matters
Serious crashes can involve medical bills, lost wages, and attorneys. Adequate Bodily Injury and matching Uninsured/Underinsured Motorist (UM/UIM) help protect savings and future income.
How we set limits
We look at drivers, young passengers, assets, umbrella needs, and driving patterns. Then we build options that balance risk and budget.
Don’t forget UM/UIM
Florida has many underinsured drivers. UM/UIM can step in for injuries when the at-fault party can’t. We’ll recommend limits that align with your BI.
What we won’t do
We won’t sell state‑minimum liability or drop UM to look cheap. Our baseline recommendation is at least 100/300 Bodily Injury with matching UM when available—then we fine‑tune deductibles and discounts to meet your budget.
Why Coverage Matters
Price without the right coverage is expensive the day you need it.
Below are decisions that most affect Florida drivers. We’ll map each one to your household, vehicles, and budget.
Bodily Injury & UM/UIM
BI pays others when you’re at fault. UM/UIM helps you if the other driver lacks enough coverage. We aim to match UM with BI.
Comprehensive vs. Collision
Comp: theft, glass, hail, animal strikes. Collision: impact with vehicles/objects. We’ll set deductibles that fit your comfort.
PIP & Medical Payments
Florida’s PIP coordinates with your health plan; optional MedPay can fill gaps. We’ll explain how they work together.
Rental Reimbursement
Pays for a rental while your car is in the shop after a covered claim—crucial for busy families.
GAP / Loan‑Lease Payoff
If your car is totaled and worth less than you owe, this helps cover the difference. Essential for new/leased vehicles.
OEM Parts & Diminished Value
Some carriers offer OEM parts or betterment coverage. We’ll show who supports factory parts and favorable repair options.
Family-Owned & Local
Real people. No call center. Your advocates at claim time.
We’re Eric & Tiffany Hardek—raising our family here in Central Florida. We built PGI to deliver quick, competent help from humans. When a crash or glass claim happens, we help you navigate adjusters, timelines, and coverage questions.
Eric Hardek
Owner, Premier Group Insurance
Winter Garden • Windermere • Clermont • Minneola
Independent, not captive: we shop multiple A-rated carriers to align coverage, underwriting fit, and price.
Responsive: text, call, or message us in the app.
Advocacy: real support during claims—not just quotes at purchase.
Free Client App
Manage Your Insurance from Your Phone
PGI clients get the Insurance Agent app — access auto ID cards, policy docs, claims help, and billing in seconds. Built for busy families in Winter Garden, Clermont, Minneola, and Windermere.
Umbrella: extends liability above auto/home when limits are met.
Why we ask for documents
Your current Declarations Page, driver license photos, VINs, and any teen good‑student proof ensure accurate quotes and unlock discounts. Prior claims history and lapse status affect eligibility and price—sharing details saves time.
Coverage glossary (plain English)
Bodily Injury (BI): Pays others if you’re at fault.
UM/UIM: Helps you/your passengers when the at‑fault driver lacks enough coverage.
PIP & MedPay: Coordinate for medical expenses regardless of fault.
Comprehensive: Theft, glass, hail, animal strikes, etc.
Collision: Impact with vehicles/objects.
Rental Reimbursement: Transportation while your car is repaired after a covered claim.
GAP/Loan‑Lease: Helps pay the difference if a total loss balance exceeds value.
What to do after a crash
Use the app’s accident checklist, collect photos, exchange info, seek medical attention if needed, and contact us. We’ll walk you through next steps and options.
What We’re Doing Now
Behind the scenes after your request.
1) We build your driver & vehicle profile
Household drivers, MVR/claims history, VINs, garaging, commute, and lien/lease status. This keeps quotes accurate and comparable.
2) We shop multiple carriers
We align coverage with underwriting appetite, discounts, and price, then prepare a side-by-side that explains trade-offs in plain English.
3) We review with you
Quick call or app chat to confirm priorities (limits, UM, deductibles, rental, OEM). We finalize your best-fit option.
Often your liability extends to a short‑term rental, and if you carry comprehensive/collision they may transfer (deductibles apply). Fees from rental agencies and policy specifics vary by carrier—tell us your plans and we’ll confirm your options.
Should I carry Uninsured/Underinsured Motorist (UM)?
We strongly recommend it. UM can help pay for injuries when the at‑fault driver doesn’t have enough coverage—protecting you and your passengers beyond what PIP or health insurance handles.
How do telematics/usage‑based discounts work?
Many carriers offer optional programs that track driving habits (hard braking, time of day, mileage) through an app or device. Safe drivers can earn meaningful discounts—ask us which carriers fit your comfort level.
