Skip to content Skip to sidebar Skip to footer

Affordable Auto Insurance in Miami

Are you looking for affordable auto insurance in Miami, Florida? You are not alone! Thousands of people living in Miami are faced with increasing insurance premiums every year. That's the way our mission is to help people, just like you, find the coverage they need at the cheapest possible rate.

auto-insurance


Did you know that most people in America overpay on auto insurance? The main reason is not comparing quotes. Merely renewing your existing policy or choosing the first quote you get may seem convenient, but more often than not, it will cost you money.

Nowadays, you don't have to even go to the insurance agent's office or different phone companies and repeat the same information over and over again. All you need to do is fill a simple online form, and you will make insurance companies fight for your business. It will save you not only time but also up to $450!

Do I really need auto insurance in Miami, Florida


Car insurance is required by Florida Law. If you own a car, one has at least four wheels, and you intend to register it, you must obtain Florida insurance. You must get minimum prescribed coverage as long as you possess a valid license plate from the state.
You must get insurance if you plan to drive legally in the state. Florida car insurance minimum coverage required by law is one of the lowest.

Minimum Coverage Limits of Florida Insurance


First, Florida No-Fault Insurance requires a minimum amount of $10,000 in terms of Personal Injury Protection. Unlike in other US states, this covers you in whatever accident, whether or not you are at fault. Hospital expenses, any loss in wages, and other expenses are adequately taken care of by such coverage. Likewise, there is a death benefit of $5000, whenever the need arises.

There is the Property Damage Liability Coverage, the minimum amount of which is $10,000. This coverage covers the damages you might have done to the properties of others. Included in the items recognized to be properties are fences, telephone poles, among many other things.

If you think the coverage is enough, remember that these are minimal, which means that they might be insufficient to handle all liabilities that arise from every accident. Least coverage pays the losses done on the assets of the other party, but not yours. This is why you have to cover yourself fully to prevent your losing a significant part of your savings, wages, and even properties to any significant liability that you are not insured against. You should talk to your insurance company to ask about complete coverage.

Note: Male drivers are responsible for over 80% of the traffic accidents in Miami. At the same time, the number of male drivers is about as much as female drivers.

Florida No-Fault Insurance – What it covers?


The State of Florida has established an entirely different, no-fault insurance, known to be a system that is uniquely it's own. It differs from other no-fault insurance versions of other US States. Florida no-fault insurance implies that nobody can be faulted in a vehicular accident. Instead of working out whose fault the accident was, Florida insurance companies simply pay for all damages. Insurance carriers will pay for losses, to do away with the trouble of sorting out facts in each accident.

A significant advantage of Florida's no-fault insurance is that litigation becomes almost nonexistent. It can happen in extreme circumstances. However, ordinarily, most lawsuits are eliminated. Florida lawmakers established no-fault insurance in such a way that lawsuits between drivers are avoided.

No-fault likewise covers your medical assistance. The system works to provide fast medical care for you, instead of arguing with the insurance provider of the other party. After a car wreck, you are assured that you are given medical attention that you need – no questions asked. Regardless of whom should be responsible for the accident, you are assured that your insurer will cover your medical requirements.

What is the existing Florida insurance coverage that helps in protecting you and your family?

  • Bodily Injury and Property Damage
  • Comprehensive
  • Personal Injury Protection
  • Uninsured Motorists
  • Collision

Bodily Injury and Property Damage – this insurance pays for damages from sickness, bodily injury, or death. It likewise pays for damages or destruction of any property that you are obligated to pay. Your insurance policy protects you from any claim for any accidents that arise from the use, maintenance, ownership of your insured vehicle.

Comprehensive – this coverage pays for any loss to your vehicle, which does not originate from any vehicular collision. Instead, this covers damages from vandalism, glass breaks, fire, and break-ins.

Personal Injury Protection – this pays for your medical expenses, loss of services or income, and other expenses that may arise from bodily injuries, disease, or even death. Provided that occurrences are the result of an accident that occurs from maintenance, ownership, or usage of a car described in the definition found in the insurance policy.

Uninsured Motorists Protection – is the coverage that pays for any bodily injury, disease, or even death, which you are legally entitled to obtain from the owner of an uninsured vehicle. It pays for what that the other party cannot pay you because of insufficient coverage.

Collision Coverage – This pays for loss to your vehicle or non-owned car resulting from a collision with another car or property. This coverage extends to rented cars, minus your deductibles.

Miami auto insurance rates

Auto insurance rates in Miami, Florida, are higher than the national average. The average policy costs over $2,300, with the nation's coverage being just under $1,500.

Of course, automobile insurance rates depend on various factors like the model of vehicle, years, occupation, yearly mileage, credit score, and driving history. Many companies are also willing to give discounts to new customers, good students, and people who purchase more than one policy. Often it is a good idea just to ask what discounts are available to you and you may be pleasantly surprised.

Still, comparing quotes remains the number one way to save big bucks on auto insurance. Insurance specialists recommend getting quotes from at least 3 insurance companies. Go on, compare quotes today, and find the right insurance policy for you.
Ryan Daniel
Ryan Daniel Ryan Daniel is a car enthusiast. Since owning his first BMW at a young age, he has loved the automotive world even more.