In this episode of the Selling St. Pete Podcast, host Nicole Saunches sits down with Clive Gavin, a seasoned State Farm Insurance agent with over two decades of experience, to demystify the world of auto insurance. Whether you’re a daily commuter, a seasonal resident, or someone trailering a boat across Florida, understanding your coverage is essential—especially in a no-fault state like Florida.

Clive shares his journey from Ohio to Florida insurance management, and now running his own agency in St. Pete. Together, Nicole and Clive tackle the most common questions drivers face:

• Why Florida’s no-fault system drives higher rates—and how lawsuits play a role.
• The key differences between liability, comprehensive, and collision coverage.
• What uninsured/underinsured motorist coverage really means for your family.
• How seasonal residents (“snowbirds”) can adjust their policies effectively.
• The discounts and programs many policyholders overlook—like multi-car, multi-line, and good student savings.
• Why shopping your policy at renewal can be smart, but loyalty may pay off more long-term.
• Quick tips to avoid costly mistakes when filing claims.

Plus, Clive explains how classic cars, boats, and even golf carts fit into the insurance equation, and what you should always check before buying a used vehicle in Florida.

By the end of this episode, you’ll walk away with practical knowledge to help you avoid surprises, protect your assets, and potentially save money on your auto insurance.

Guest Information

Clive Gavin – State Farm Insurance Agent

📞 Call/Text: (727) 799-4665

📧 Email: Clive@drivewithClive.us

📍 Office: 5505 Park St N, St. Petersburg, FL 33709

Resources & Links

• Subscribe to the Selling St. Pete Podcast for more insights on real estate, lifestyle, and living well in Tampa Bay.
• Visit SellingStPeteFL.com for show notes, real estate resources, and more.