Are you looking for cheap auto insurance in Miami? Wouldn’t it be nice if you could get adequate cover and save up to $450? Now you can! Our simple online form makes it extremely easy to find the right deal for you. It takes less than 2 minutes and can save you $$$.

Car insurance rates in Miami

Did you know that the residents of Miami pay some of the highest insurance premiums in the country? With a national average of just over $1,500, Miami car insurance rates are nearly $900 higher! That’s a lot of money.

But what can you do, right? Well, plenty actually. You can start by looking carefully at your driving habits, your vehicle and current insurance policy. Drivers in Miami may have been voted some of the rudest in America, but that doesn’t mean they are bad drivers at all.

If you want cheaper insurance you will need to ask for discounts. You will be amazed what discounts you may be entitled to. May be your vehicle is ‘insurance friendly’ and has all the safety features and anti-theft devices that insurance companies like to see. Have you reduced your annual mileage or cleared the garage and started parking the car there rather than on the street? Did you take an advance driving course? Or is your credit score excellent? As you can see, there are always areas you can improve or simple steps you can take in order to qualify for cheaper car insurance in Miami.

Miami auto insurance limits required by law

If you are not familiar with the Florida no fault insurance laws, its probably a good idea to have a quick look at the minimum state requirements. In a nutshell, you need:

  • $10,000 personal injury protection
  • $10,000 property damage liability (PDL)

You have probably heard Personal Injury Protection (PIP) being referred to as PIP Insurance. What PIP insurance does is covering you for medical expenses in case of an accident, regardless of who is at fault. It was designed to reduce expensive law suits and provide quick protection for injured parties.

Of course, the No Fault insurance system in Florida is not without its critics. PIP fraud has become a huge issue which increases insurance premiums for everyone. Some counties are already putting in place new rules and regulations, requiring licensing of medical clinics which deal mostly with PIP patients.

Additional insurance coverage in Miami is a good idea

Florida is one of the states with the most uninsured drivers in America. Since you have PIP insurance, you may think that uninsured motorist coverage will be a waste of money, but it all depends on the limits you choose and the value of your vehicle. If you get hit by someone, who is uninsured, can you afford to pay for car repairs without going into financial difficulties? PDL covers property damage to other parties in case you case an accident, but not damages to your vehicle. If you want to have a peace of mind, you should consider full auto insurance coverage (collision and comprehensive). Talk to a qualified professional if you are in doubt, because it all depends on your personal circumstances.

Is auto insurance for women in Miami cheaper?

In most cased, yes! Why? The answer is simple – statistics show that women are more careful on the road. From the nearly 400,000 drivers living in Miami, there is almost the same number of male and female motorists. Baring that in mind, consider the fact that women drivers in Miami are responsible for less than 20% of all car accidents. You can clearly see why insurance companies do take into account gender as an important factor, when determining auto insurance quotes.

After all that being said, it is obvious that shopping around and comparing quotes is essential if you want to save money on auto insurance in Miami. Insurance specialists recommend getting quotes from 3 to 5 insurance providers before making your choice. This used to take hours of phone calls and answering the same question again and again. Well, not any more. Now you can complete one online form and make the insurance companies fight for your business. Isn’t it about time we have some customer power?

Auto insurance Agents in Miami, Florida

Knight Auto Insurance

  • 662 NW 119th St, Miami, FL
  • (305) 687-6464

Royal Auto Insurance Inc

  • 2362 NW 7th St, Miami, FL
  • (305) 649-3408

Prime Auto Insurance Inc

  • 14538 W Dixie Hwy, Miami, FL
  • (305) 949-9351

Action Auto Insurance

  • 12651 S Dixie Hwy, Miami, FL
  • (305) 259-7646

Florida Auto Insurance

  • 7575 W Flagler St Ste 200, Miami, FL
  • (305) 269-5259

Direct Auto Insurance

  • 14800 NW 7th Ave, North Miami, FL
  • (305) 769-2110

United Automobile Ins Grp

  • 19251 NE 26th Ave, Miami, FL
  • (305) 940-5022

Fiesta Auto Insurance

  • 8368 Bird Rd, Miami, FL
  • (305) 551-1010

Family Auto Ins & Income Tax

  • 12785 W Dixie Hwy, North Miami, FL
  • (305) 893-3880

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