Want to know more about Miami and how you can get cheap car insurance? Miami is known for its exotic cars, diverse cultures and vast array of entertainment choices. Miami is a metropolitan powerhouse that boasts more than 5 million residents who enjoy patronizing the nearby beaches and numerous restaurants, clubs and shops that cater to every taste and budget. The traffic laws in Florida are strict, but they serve an important purpose as they are designed to keep drivers and pedestrians safe. Among the traffic laws is that all drivers carry automobile insurance. That means you, too! Luckily, when it comes to cheap car insurance Miami has many options.
Read on for an overview of why it’s important to have car insurance, how it works, and how you can get the cheapest car insurance Miami has to offer. You’ll also find information about driving in Miami as well as automobile-related laws and statistics. These laws have an impact on which auto insurance Miami has and the cost of the insurance.
Having a driver’s license is only one small part of what it takes to head up the highway. Legally, everybody needs auto insurance. How high you go above the minimum in level of coverage is up to you, but the state of Florida requires that every registered vehicle carry a minimum of $10,000 in personal injury protection and $10,000 in property damage liability coverage. Depending on your driving and legal history, meaning you’ve been in a crash before or have been convicted of certain things, you may be required to purchase additional coverage known as bodily injury liability coverage.
But why is insurance required at all? Nobody wants to be in a car accident, but what people want even less is to be in one that involves an uninsured driver, especially if the accident is no fault of their own. The benefit of insurance is that in the event of an accident, you aren’t alone in shouldering the cost of correcting the damage done to the people, vehicles or other property involved. If you’re the one who caused the accident, you’ll need that insurance to pay for the damages to the other party, otherwise you’ll be shouldering that financial burden alone. Depending on the severity of damage or injury, you could even end up in bankruptcy. On the flip side, if you had no fault in the accident but the person who did doesn’t have insurance or the money to pay for your damages or injuries, you can find yourself swamped in insurance claims and in a difficult situation getting back on the road. Getting money from them can be a lengthy and sometimes fruitless process full of messy claims, and you don’t want to have to put big repairs on a credit card. You can avoid a lot of headache by making sure that no matter what, you have the coverage that’s right for you. So you should make sure to purchase a coverage plan. But don’t worry; we’re here to help you find cheap car insurance in Miami.
Buying Miami car insurance is easier when you have an understanding of how insurance works. When you purchase your insurance, you choose how high of a deductible you will pay for each claim and how much coverage you want, or the maximum amount of money the insurance company will pay out in the event of an incident or collision. These both affect your insurance premium, which is the amount you pay annually or biannually to put your policy into effect. A lower deductible means you pay less out-of-pocket in the event of an accident, so it means you pay a higher premium for your insurance plan. Conversely, the higher the coverage you want, the more your premium will rise. Basically, paying more upfront with a higher premium can make it so it costs you less to put things right if you get into an accident, which can save you a lot of money in the event of a more costly collision. But at the same time, if you don’t get into any accidents and never have to pay out a deductible for repairs, it can save you money to instead carry the cheapest Miami car insurance possible and pay the lowest premiums.
It’s important to note that car insurance does not cover routine automobile maintenance or most repairs your car needs because of normal use. It’s generally only effective to help remedy problems caused by accident, theft or nature, depending on the terms of your policy. An insurance professional can answer your questions about your insurance claims and what your specific policy does or does not cover.
If you’re looking for automobile insurance, Miami has a host of agents who can help you determine what level of coverage is right for you.
Did you know that rates for auto insurance can vary widely across companies in the same area? You might think the rate an agency offers is going to be the same across your zip code, but quotes can change from place to place. Finding the best and cheapest coverage and the services you want can be tricky if you don’t have the right resources or an insurer who has your best interests at heart.
Because there are so many variables and details that go into car insurance, there isn’t really one average cost. Your driving record, the kind of vehicle you drive and its age, the distance and places you’re driving to each day — all of these have an impact. And that’s before you even weigh the kind of coverage you want and what deductible you want to pay for claims in the event of an accident. That’s why it’s so important to do your homework and get multiple quotes to find the best rate.
You’ve seen the commercials, and you know there are many companies vying for your business. With names like Geico, Progressive, Allstate and State Farm in the mix, not to mention the hundreds or more of smaller companies in the ring, you may be wondering how you will ever find out which insurance provider is the right one for you.
Fortunately, when it comes to cheap car insurance Miami has plenty to offer. Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Miami, FL. Get your car insurance quotes for Miami today and you’ll be on your way to getting the cheapest car insurance in Miami!
Most of the daily traffic is centered on I-95, the main road where commuters, tourists and students all merge together to drive up and down the Florida coast. The Florida Turnpike is another area with high traffic. Fortunately, the 95 Express Lane allows the rushed commuter to get to his destination faster.
Car insurance in South Florida is generally higher than in other parts of the country. Drivers are often fined for getting pulled over without proof of current car insurance. An added tip: uninsured motorist coverage is important to have in Miami, where many people drive without insurance. The city also makes use of red light cameras to catch drivers who go through the lights illegally.
In Miami, you’re not allowed to keep pigs, and you’re not allowed to skateboard at municipal facilities.
According to the FBI, Miami had 4,237 incidents of motor vehicle theft in 2010. Of those thefts, 188 cars were eventually recovered. There were also 8,446 counts of burglary in Miami that same year.
In 2015, according to the FBI, 2,298 vehicles were reported stolen in Miami, and 19,128 property crimes were reported.
In Florida, all drivers, front-seat passengers and passengers under 18 must fasten their safety belts to try and avoid the risk of serious injury, according to the Florida Department of Highway Safety and Motor Vehicles. Drivers and passengers 18 or older can be cited if they or any passenger under 18 are not properly strapped in. A driver will be charged with a seat belt violation if any passenger under 18 is not restrained with a seat belt or child restraint device.
Under Florida law, children 5 and under must be secured in a child restraint device. Children 4 and 5 must secured in a separate carrier, an integrated child seat or a child booster seat.
Florida requires motorcycle riders under 21 to wear a helmet. If you are over 21, you are not required to wear a helmet. If you do risk going without a helmet, you must carry $10,000 worth of medical payment insurance.
Distracted driving is one of the leading causes of car accidents in Florida. Driving while distracted can lead to you running red lights, speeding, or veering out of your lane. Texting while driving is illegal in Florida. However, talking on a cellphone while driving is allowed. A first-time offense under the texting-while-driving law can result in a $30 fine
In Florida, a driver 21 and over can be charged under the DUI law if he or she has a blood alcohol concentration (BAC) of 0.08 percent or higher. A first-time offender faces a maximum penalty of one year of probation, a one-year license suspension, a $1,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.
If a driver’s BAC is at least 0.15 percent, a first-time offense can result in a maximum of one year of probation, nine months in jail, a one-year license suspension, a $2,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.
If a driver is under 21, the BAC threshold is 0.02 percent. DUI penalties increase if the BAC is 0.08 percent or above.
Steve Merein
The insurance center of miami offers low cost auto insurance as well as home owners, renters, commercial, classic car notary services, and aflac products.
What makes your specific agency stand out from your competition?
At the insurance center of miami you will receive personal service. We will find the coverage you need at a price you can afford.
Discount and Special Program offered Homeowner Single Parent Safe Driver Advance Purchase Multi Car Renewal Paperless Eft Billing
License Type
220,215
License Number
A176793
1021 Nw 20 Street
Miami, FL 33127
I have been doing business with Steve for years and finally he’s opened The Insurance Center. I can’t imagine going any place else for my home and auto insurance. Congratulations on the agency and here’s to many more years together.
Vilma Peralta
We welcome all miami residents to the future of insurance and service! The answer to all of your insurance worries is now over, the solution has finally arrived! Why? Because we can bind your policy online, over the phone, and through e-mail.
peralta insurance specialists is located in the beautiful crossings in miami. You can say goodbye to running from agency to agency for different type’s of coverage or policies. The difference with peralta insurance is that we offer free quotes with affordable rates, guaranteed!
this is accomplished through shopping multiple carriers to ensure that you are getting the best rate at the most affordable price and with the coverage you need to have peace of mind!
peralta insurance has partnered with we-insure to empower our customers with not only more choices than anyone in the industry, but also offering different and better ways to buy insurance.
you hold the power to choose from over 140 top-rated insurance companies call 305-969-6960
What makes your specific agency stand out from your competition?
We are a franchise who truly cares for our clients we have been in business 15 years and and showed everyone who comes on board with us how to reduce premiums, see agents get paid on a base premium so buy increasing costs the agents make more money we don’t do that period! We want all our clients to stay with us so we go out of our way hunting different markets and trust me we have many 18 homeowner markets alone over half being a+ admitted standard companies really strong so when and if a hurricane come here again we don’t have to look at our clients and say sorry the company went insolvent no sir we will not be that agency, and we have a real wolf as our mascot that’s stays in the office with us everyone love seeing him the kids love it when he howls he’s friendly he is a hybrid we bought from a breeder in florida he’s beautiful we use him in pictures for ads , we insure our neighbors businesses in our area thousands of people have grown to trust us because we are different
Discount and Special Program offered Multilevel Policy Discounts Senior Citizens Military Discounts We Work With A Home Inspector Who Has Great Prices Progressive Snapshot Paperless Discounts Financing Homeowner Discounts Hchdiscounts God Student Discount
License Type
Department Of Insurance
License Number
A203923
12039 Sw 132 Ct # 30
15584 Sw 138 Ave
Miami, FL 33186
Peralta Insurance Specialist We are always hunting for the best rates for Clients through A+ standard Companies, no other Agency provides as many companies, or assist with Clients reducing premiums so they can do other things for their families like maybe take a vacation. Just click below you will be happy you did.
Larry Dudkiewicz
Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance.
What makes your specific agency stand out from your competition?
Allstate agent larry dudkiewicz serving miami, fl is committed to helping you find the best quote for your home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance. Meet one of our insurance agents to get a quick insurance quote.
Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free
License Type
Insurance License
State License
License Number
A0A8743
E-182248
1612 Ne 205th Terrace Miami, Fl 33179
Miami, FL 33179
Ellie Mills
We focus on auto insurance throughout the miami, fl area including palmetto bay and cutler bay, fl. We have been serving the auto insurance needs in miami since 2002.
2 locations to service your needs:
cutler bay – https://www.Statefarm.Com/agent/us/fl/cutler-bay/ellie-mills-nm4y61ys000
and
deerfield location – https://www.Statefarm.Com/agent/us/fl/deerfield-bch/ellie-mills-3qy7j6fn0ge
What makes your specific agency stand out from your competition?
Call or stop by our office for a fast and accurate auto insurance quote here in miami, fl . In a world that is ever-changing and busy, it is our aim to ease the stress that can come with insurance by putting a premium on personalized service. We believe people prefer to have someone they know to help guide them through both good and bad times. It is this belief that stands behind everything we do. We are here to help life go right!
Discount and Special Program offered Free Auto Insurance Quote Multi-line Discount Good Student Discount Smart Driver Discount
License Type
License
License Number
FL-R003021
20330 Old Cutler Rd
Miami, FL 33189
Alejandro Moreno
Quoteasy insurance is a brand new way to shop, save and learn about insurance in florida. Our goal is to make shopping for insurance easy and stress free. You tell us what insurance you need and we do all the work for you, giving you peace of mind. So for the best rates on florida insurance, call quoteasy insurance today and experience the difference for yourself. We offer commercial insurance, business insurance, home insurance and cheap car insurance
What makes your specific agency stand out from your competition?
Insuring floridians for over 20 years.
our dedicated staff of insurance professionals are here to assist you in finding the best rates and coverage's on your insurance policy to protect you and your loved ones for years to come. By representing most major carriers in florida, we are equipped to shop for the best policy to suit your needs. Whether your looking for cheap auto or car, homeowners, business commercial or flood insurance, our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.
Discount and Special Program offered Auto Insurance Home Insurance Condo Insurance Commercial Insurance Dealer Insurance And Bonds Flood Insurance Business Owners Insurance
License Type
Property & Casualty
License Number
D056890
12030 Sw 129th Ct, Suite 201
Miami, Fl 33186
Miami, FL 33186
16782 Sw 88th St
Miami, FL 33196
GREAT AGENCY!!!!! ALWAYS PUTTING THE INSURED INTEREST FIRST.
7903 Nw 2nd St
Miami, FL 33126
The portfolio of insurance companies will meet all your insurance needs. A lot of expertise from all agents. I insured my Autos,Home,Boat and life with the same carrier.
That is Outstanding!!!
3150 Nw 7th St
Miami, FL 33125
They have pretty straight forward customer service. They make getting insurance a lot easier than it usually is. They are very attentive and the premiums we got were cheaper than going to other bigger insurance agencies. I’ve been getting my car, house and boat insurance from them for the last 4 years and no problems at all. I do recommend it, they also speak fluent spanish, though thats not so uncommon in miami.
18655 S Dixie Hwy
Miami, FL 33157
Horrible…. Your phone service line is terrible. No one answers the phone at all. Very poor customer service
1775 Sw 8th St
Miami, FL 33135
EXCELLENT CUSTOMER SERVICE. THE STAFF (ROBERT) VERY PROFESSIONAL & VERY HELPFUL!!!! GREAT INSURANCE QUOTES. HIGHLY RECOMMEND!!!!
the people thier are really nice. they give you the best price they can get you. the service is great you dont have to wait long. They are a family business. so you will grow to trust them.
11469 Sw 40th St
Miami, FL 33165
Bought my auto insurance in this agency great customer service, very professional, quick and competitive rates. Veryyyy Recomended**************
Do not go anywhere else for your insurance needs this office is great they found the right price and company to insure my car i had walked into some other agencies before but the service here is definetly greater if im going to spend my money i like to be treated right. *****Very recomended***********
1370 W Flagler St
Miami, FL 33135
Place is GREAT. Cheap fast and (Lucy) she’s great!! She gives u what u want and need professional. u looking for a insurance this is the place
The people at this company are very friendly,very polite. Elia is my agent she was very helpful and nice. I also met Lucy she was also very pleasant . It was my first time meeting them today and I felt like I knew them from before……….thanks guys for being so welcoming.
9036 Sw 152nd St
Miami, FL 33157
We receive the insurance that we need at a great price which means the world to us. It is so easy to deal with these people and they are always right on top of what is going on with our account.
One of the characteristics of All American which I admire is the individualized attention that I receive. All my insurance needs are met through one agent, who understands my individual needs, and is always "ahead of the game" in advising me what my best options are.
11601 Nw 7th Ave
Miami, FL 33168
Eckert Insurance is a great company. They found me the best rates and truly great coverage for my home, automobile and even my business. I found them on the Internet and I am truly glad I did. I CALLED AROUND AND THEY OFFERED ME THE BEST RATES AND SAVED ME A LOT OF MONEY. I have been doing business with them since then for over 5 years. Thank you Eckert Insurance.
I would definitely recommend this company to who ever is looking for good prices and friendly service. I have been a customer there now going on about 4 years and am very satisfied. The staff is always knowledgeable, prices always seem to be in a reasonable range and they actually provide good service. Good Luck!
7855 Sw 40th St
Miami, FL 33155
Pleas add our address to this add. It should read: 7855 SW 40 St, Miami, Fl 33155
3629 Sw 8th St
Miami, FL 33135
This is what I call, great Customer Service! Very glad i came across your insurance company!
I have known and dealt with the twin ladies of insurance for over 20 years.having been the youngest property and casualty insurance agent in the history of the state of Florida I can unequivocally state these ladies provide truly unexcelled service. No I don’t need to light continue to utilize their services but I would not hesitate to recommend it to others as I have in the past.
9425 Sunset Dr Ste 170
Miami, FL 33173
I save almost a thousand dollar switching to Fedusa Insurance
6527 Coral Way
Miami, FL 33155
David does an awesome job, he is fast with returning calls and quotes, and found me a very cheap policy saving me $200 last year. I would refer him to anyone.
6402 Nw 186th St
Miami, FL 33015
Lakes Insurance has been in business for a very long time and the reason is because they are very helpful and knowledgeable. They have a really nice group of personnel which are always willing to help in your insurance needs. Contact them.
1896 Sw 57th Ave
Miami, FL 33155
Muy bueno pero te van aumentando de dólar en dólar la cuola. Al final me querian cobrar 285 dólares al mes por un 1999 toyota corolla ce al solicitar el seguro por la ley. Lo consideré un abusó y me fui de ahi. Aclaró que no tengo puntos en mi licencia y cero accidente en mi vida gracias a dios.
I brought a new car and I was planning to get my car insured but my friends have tried different car insurance companies and they have gotten very bad experiences. I searched for many auto insurance in Miami and I found my search to javierareas, they are specialized in all types of auto insurances with various plans and offers. I also inquired about this company and I received many positive responses which helped me to take my decision to go with this company. So far I am very happy with their service.
9961 Sw 142nd Ave
Miami, FL 33186
We switched to this State Farm office 5 years ago, when they were still at the other office. We don’t tend to hop around with insurance companies because I have learned that when people know you, they try a little harder to make you happy. And that’s the case with our experience with this office. Patty has been our rep for a long time and she knows us and our family by name. Over the years, we have added life insurance and a retirement plan, both were less than $30 per month and our premiums have not gone up much. Overall, I think they’re a good office and do a good job. Can’t complain.
We switched to this State Farm office 5 years ago, when they were still at the other office. We don’t tend to hop around with insurance companies because I have learned that when people know you, they try a little harder to make you happy. And that’s the case with our experience with this office. Patty has been our rep for a long time and she knows us and our family by name. Over the years, we have added life insurance and a retirement plan, both were less than $30 per month and our premiums have not gone up much. Overall, I think they’re a good office and do a good job. Can’t complain.
4759 Nw 183rd St
Miami, FL 33055
Nice staff, very helpful and they helped me understand my coverage. they are very attentive. I have been going to them for several years and i have no complaints about them and their services. !! 🙂
I have had insurance through Annette Willis for several years. The staff has always been very knowledgable and helpful in explaining the different types of homeowner’s insurance and which one would be best for me. Everyone there is friendly and I would recommend them for all types of insurance.
9415 Sunset Dr Ste 101
Miami, FL 33173
This State Farm office is the Insurance office where I’ve had my best experience. First they greet you properly as you come in, they take care of you like a member of their family, they always are willing to help and go out of their way to help you with all of your insurance needs and any questions you may have. I have been with them for 20 years now and they insure all of our vehicles. I highly recommend them, I am sure that you will be pleased with their services as well. Trust me you won’t regret it.
Jesus (Miami, Florida)
18497 S Dixie Hwy
Miami, FL 33157
FIND ANOTHER AGENT!! Horrible customer service!! After being a customer with StateFarm for over 20 years I’ve switched to GEICO. Office staff does not answer phone calls or emails, reason provided is they are short staffed…really? Emailed Richard King directly and NO RESPONSE. No excuse.
7229 Coral Way
Miami, FL 33155
This place is the worst place to ever call and get customer service they place me on hold for hours a bunch of old ladies with attitude didnt took 7houra just to fax me a binder i called several times in a very respecful way and no help at all i feel bad because of the owner of this place only knew about this customer service
After days of looking for insurance companies and getting no where, I was finally able to get insurance with their help. If you are having problems getting insured, go see erica/santiago. I am glad I did and no I am not a spokesperson, I am just very happy with their services
3180 Commodore Plz
Miami, FL 33133
Valerie provides her customers with great services, planning and protecting their future is her priority.
373 N Royal Poinciana Blvd
Miami, FL 33166
Barbara has taken great care of all my insurance needs for over 15 years. She and her staff provide excellent service and are very helpful.
HIGHLY RECOMMENDED
Do not recommend
Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.
It's easier to get discounted car insurance with a car that has a high safety rating than one without one.
When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.
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