Car Insurance In Miami
An affordable auto insurance premium is important, but having a good insurance company that will pay your claims is important too! We'll help you save money by providing you with a quote with every possible discount while using quality companies like those shown below. Click on any of the logos below for more information.
Call FILER INSURANCE First!
5 Reasons To Call Us For Car Insurance
1. We'll Shop the companies for the lowest auto insurance rate.
As a Trusted Choice independent agency, we are not limited to one insurance company like some agents. Everyone's situation is different and it's our access to multiple insurance companies that can make a huge difference in how much you can save. Let us show you how much! We are happy to show you quotes from Nationwide, Progressive, Mercury and Infinity.
2. We'll apply every possible discount.
Our experienced underwriters will make sure you get full credit for your auto features including the following discounts.
- Safe Driving
- Home ownership
- Good Student
- Good Credit Rating
- Anti-Theft Device
- 5 Year Accident Free
- Electronic Payment
- Paid in Full
- Air Bags
3. We'll guide you through the process of securing your discounts.
Our agency underwriters will work with you to make sure all the necessary items are provided to the insurance company to secure your car insurance discounts. It's easy to quote a discount, but it takes experienced underwriters to make sure you receive it.
4. We'll help you to understand your coverage.
Understanding the coverage options is critical to getting the coverage that fits your situation. Our agency underwriters will take the time to explain all the auto insurance coverages and options. We know you want to have enough coverage for your situation, but not also pay for something you might not need.
5. We'll be here to help you with any claims you may have.
We know a claim is the "moment of truth" where we are called upon to deliver on our promises. We'll help you report your claim immediately, follow up to be sure an adjuster comes to see you and assist in any way possible until your car insurance claim has been paid in full.
Quick Quote Request
Where we offer car insurance
We offer free auto insurance quotes for the residents of Miami, Coral Gables, Kendall, Pinecrest, Cutler Bay, Palmetto Bay, Homestead and other South Florida communities.
What is auto insurance?
Auto insurance is a contract you purchase from an insurance company that protects you from financial loss if you have an accident or if your car gets stolen. You agree to pay a premium dollar amount and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance is a package policy. It covers your property, which is your car, your personal liability for bodily injury and property damage to others, and medical expenses for other people’s injuries, rehab, loss wages and funeral expenses.
Policies are normally issued for 6 months or 1 year (12 months) and have the option to be renewed. Your insurance company will send you a notice as soon as you have the option to renew your policy and if you wish to renew it for another 6 months/1year then you will need to pay the renewal premium and then your insurance company will continue to take care of you just like they did with your previous policy.
Who is covered under your auto insurance policy?
Your personal auto policy will cover you and any family members listed on your policy. Whether you drive your own car or a car owned by a family member with their permission you are covered under your auto policy. You are also covered if someone not listed on your policy drives your car with your permission.
What activities are covered?
Your personal auto policy covers you for any personal use. Whether you go to and from work or go out and do something fun you are covered. Any commercial use for the purpose of making money is not covered. Using your car for transportation services like Uber or Lyft is not covered. However, some insurance companies will let you purchase a separate endorsement to extend your coverage to cover ride-sharing services.
Is auto insurance required?
In the state of Florida, before you register your vehicle you are required to purchase at least $10,000 in PIP (Personal Injury Protection) coverage and at least $10,000 in PDL (Property Damage Liability) coverage from an insurance company that is licensed to sell insurance in the state of Florida. Please note; if you just moved to Florida you must contact your agent and have your policy transferred to Florida.
If you have a taxi you must purchase at least $50,000 in PDL (Property Damage Liability) coverage and in addition to that, $125,000 per person / $250,000 per occurrence for BIL (Bodily Injury Liability) coverage.
Your coverage must be continuous whether or not your vehicle is being used as long as you have a license plate. However, if you are in the military and are stationed outside of Florida you may be exempt from this rule. If you wish to cancel your auto insurance you must first surrender your license plate.
Your vehicle must have a Florida registration and license plate and be insured with an insurance company in Florida if you do the following:
- Accept employment or conduct any business in the state of Florida
- Enroll your children in a public school in Florida
After 10 days of either employment or enrollment, you must have your vehicle registration certificate and your license plate for the state of Florida. Your vehicle must also have a Florida certificate of title unless you have an out of state lien holder/lessor holding the title and they will not let you transfer it to Florida.
If Moving Out of Florida:
You must keep your Florida insurance until you either register your vehicle in the state you are moving to or surrender your Florida vehicle registration AND license plate. Note; if you wish to stay with your insurance company they can change your coverage to the state you are moving to when you change your vehicle registration to that state.
If you do not maintain the required amount of insurance coverage throughout the registration period your driving privilege and license plate may be suspended for up to 3 years. If you fail to maintain the required amount of insurance coverage in Florida your driver license and vehicle registration may be suspended, which would in turn, require you to pay a reinstatement fee of up to $500. Please note; for insurance related suspensions there are no provisions for a temporary or hardship driver license
Basic Car Insurance Definitions
Bodily Injury Liability (BIL): Coverage for injury or death to another driver while driving.
Property Damage Liability (PDL): Coverage for other’s property you damage
Personal Insurance Protection (PIP): Coverage for yourself and others in your car.
Why do you need auto insurance?
- It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you, or any passengers, are injured in an accident, medical costs can be extremely expensive.
- If you, or your car, are responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Auto Liability coverage
Liability coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs. It can also pay injured parties’ lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.
Comprehensive and Collision coverage
Comprehensive Coverage helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood, and certain other natural disasters.
Collision Coverage helps pay for damage to your vehicle if you hit another vehicle, if another vehicle hits you, or if your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.
Please note that comprehensive and collision coverage do not cover your car for the amount you purchased it for. They only cover its market value; and a car’s value depreciates pretty fast. So if your car is stolen or totaled there may be a gap between your coverage and the amount of money you owe on your vehicle; and if you want to cover that gap, then you will need to purchase gap insurance to pay the difference. However if you leased your vehicle then your gap coverage is probably included into your lease payments.
Auto Glass Coverage
Your comprehensive coverage on your personal auto insurance policy automatically covers damage to the windshield because collision coverage excludes damage to the windshield. If you need to repair your windshield you do not have to pay a deductible but if you need to replace it you will have to pay a deductible. However, you can purchase a separate endorsement to add full glass coverage to your auto insurance policy which will pay for the full replacement cost of the windshield and no deductible needs to be paid.
Uninsured or Underinsured Motorist coverage
Uninsured or underinsured motorist coverage helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured driver results in injury. This car insurance coverage may also pay for lost wages and other damages.
Personal Injury Protection
PIP is a statutory coverage which provides medical, disability and death benefits for persons injured in or by the insured's vehicles, without regard to fault. Named insureds and their family members are also covered for injuries in or by the vehicles of others.
Rental Car Reimbursement
Towing and Labor
Reimburses for towing and roadside assistance charges if a vehicle with car insurance coverage is disabled. Typical services include: battery jump-starting, tire changing and locksmith services.