Hi, I'm Eddie. I built FloRider to make Florida car insurance make sense.
No sales pitch, no fine-print fog, just plain answers for drivers who are tired of overpaying and guessing.
Edited by Eddie Ezekiel
Eddie is a product and data specialist who builds digital tools for the insurance industry, including the website of Golden Eagle, an established insurance and financial-services firm. That work keeps him close to how coverage, claims, and advisory actually operate.
He founded FloRider to turn Florida's confusing car-insurance rules into plain English, organized around the questions real drivers ask and traced back to primary sources like the FLHSMV. More of his work is at eddie-ezekiel.com and on LinkedIn.
Why I started this
Florida is a strange, expensive place to insure a car. We pay some of the highest premiums in the country, roughly one in five drivers around us has no insurance at all, and the rules confuse almost everyone, including people who've lived here for years.
I kept watching friends and family get quoted wildly different prices for what looked like the same coverage, sign up for things they didn't need, or panic after a ticket because suddenly someone mentioned an “SR-22” and nobody could explain what it actually was. The information out there was either a brochure trying to sell them something, or a wall of legal text. So I started writing the in-between version: the honest explanation I wished those folks had.
What you'll find here
Mostly, answers to the questions real Florida drivers actually ask. How no-fault works and why you're carrying $10,000 of PIP and $10,000 of property damage liability whether you like it or not. What changes after a DUI, a lapse, or one too many tickets. Which coverages are worth the money and which are quietly padding your bill. And the un-glamorous stuff that actually lowers a premium.
- Coverage basics: PIP, bodily injury, comprehensive, collision, and what they really mean here.
- High-risk situations: SR-22 and FR-44 filings, lapses, DUIs, and life after a rough driving record.
- Paying less: the discounts, comparisons, and habits that move the number, minus the gimmicks.
Where I'm coming from
My background is in product and data, and a lot of that work has been in insurance itself. I build and maintain digital tools for the industry, including the website of Golden Eagle, an established insurance and financial-services firm. That work keeps me around people who deal with coverage, claims, and advisory every day, so I know how insurance actually works and how it's sold. That's the lens I bring to FloRider: someone who understands the machinery, writing the plain-English version I wish more Florida drivers had, not a funnel trying to convert you. You can see my other work at eddie-ezekiel.com.
What this isn't
I'm not an insurance agent, and FloRider isn't legal or financial advice for your specific situation. Rates, laws, and policies change, and the only person who can quote or bind your coverage is a licensed professional. Think of this as the prep work, so when you do talk to one, you already know the right questions to ask.
Quick disclaimer: FloRider is an independent, informational publisher. Always confirm specifics (minimums, filings, eligibility) with a licensed insurance professional, an attorney, or an official Florida source like the FLHSMV before you act on them.