Auto Insurance in Miami, FL
Auto insurance is among the most essential and frequently purchased types of insurance. Despite being common, these policies can be easily misunderstood, potentially leading to inadequate coverage and insufficient financial security. Fortunately, by working with the knowledgeable staff at Florida Insurance Group, you can ensure you acquire and maintain a suitable policy.
What Does Auto Insurance Cover? 
Also known as car insurance, auto insurance establishes a contractual agreement between you and your insurance company that may garner financial aid following vehicle-related incidents. The exact components of a policy may vary, as coverage can often be customized. In many cases, car insurance may include these features:
- Bodily injury liability coverage
- Property damage liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
How Much Does Auto Insurance Cost?
Car insurance costs can vary significantly depending on several factors. When assessing your risk levels and providing quotes, carriers may consider the following:
- Location
- Vehicle specifications (e.g., make, model and age)
- Ages of insureds
- Driving records
- Claims history
- Policy details (e.g., coverages chosen, limits and deductible)
How Much Auto Insurance Do I Need?
Your insurance needs are often unique and may be influenced by various aspects of your life. You should first consider any applicable requirements. For example, in Florida, you are legally required to carry property damage liability coverage and PIP. Additionally, if you’ve financed your vehicle, your lender may mandate full coverage car insurance, such as policies that include collision coverage and comprehensive coverage. It’s also often advisable to carry additional coverage beyond formal obligations, as simply meeting minimum requirements may not be sufficient should you suffer catastrophic losses.
How to Get Car Insurance Near Me
At Florida Insurance Group, we pride ourselves on having the knowledge, experience and resources to help find the best car insurance for you. Contact us today to learn more or to get a personalized auto insurance quote.