Car Insurance Options To Know About

Whether your car is your baby or just a means to get from A to B, you need to insure it in order to comply with legal requirements and to protect your financial interests. If you want best value auto insurance in Coral Gables, Cutler Bay, Kendall, Miami, Palmetto Bay, Pinecrest or Homestead, then Filer Insurance is a car insurance option that can help. They know where and how to car insurance discounts so you pay less for the same coverage.

When you take out car insurance you should provide your broker or agent with all the positive indicators that can help you get additional discounts. Factors that can help you get discounted auto insurance include your driving record, your driving habits, the type of car you own, security devices fitted to your vehicle, where you live, how old you are, no claims history, good credit record, your education, whether you own your own home and so on. The more stable you appear to the insurance carrier the lower your premiums are likely to be.

Of course you need you auto insurance to cover you for the obvious things such as collision damage and loss. You also want your car insurance to cover medical costs in case of injuries to yourself and to passengers. You also want liability cover included in the event that you cause injury or damage to 3rd parties.

Therefor your car insurance options should include auto liability coverage, personal injury protection as well as collision coverage. However there are other risks such as auto theft, vandalism, storms and so on. This falls under a category known as comprehensive coverage. So you will likely need a comprehensive policy as well.

Another category of auto insurance is uninsured motorist coverage. This will cover if you are involved in accident with a motorist that does not have car insurance. Finally you may want to consider car rental reimbursement as well as road side assistance coverage.

At Filer Insurance, Inc., we have been providing Home, Auto and Business Insurance in Miami and South Florida since 1919.  We would very much like to have you as one of our customers. Please give us call or come by our office for a free quote on your insurance.

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