If you are after auto insurance quotes in Miami Beach, Florida then you have come to the right place! When comparing quotes online, you can save up to 35% on your annual insurance premiums!
Get FREE Miami Beach, Florida car insurance quotes online now and see for yourself!
Auto insurance requirements in Miami Beach, Florida
It’s important to note that your policy has to be issued by a company licensed to do business in Florida and can not be from another State.
Florida is a No-Fault State for car insurance. If you are moving to Miami Beach from another State, you may be unfamiliar with No Fault insurance. If you want to find the right insurance policy for you, you have to understand the law.
The minimum car insurance requirements in Florida are:
- $10,000 of Personal Injury Protection
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Miami Beach,Florida
Regardless of who is at fault in an accident, you are covered by PIP insurance. PIP covers you for costs such as medical expenses, lost wages and other damages . In the unfortunate event of death, PIP insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Miami Beach,Florida
This component of your car insurance policy pays for damage you or a family member cause to others while driving. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Miami Beach, Florida
High risk drivers may also be required to have Bodily Injury Liability (BIL) insurance. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
Driving whilst uninsured in Miami Beach, FL, is a criminal offence. You will face charges when you get caught. For the next 3 years you will have to file an SR22 Form to demonstrate you are a responsible driver. The DMV can suspend your driving privileges for up to 3 years!
Driving under the influence is another very serious driving offence. You will require an FR44 Formif you are convicted of DUI. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
Florida No Fault insurance explained
No-Fault insurance simply means that each driver is covered by his own insurance in the case of an accident but have restricted rights to legally seek recovery for losses caused by the accident. This means, even if you are at fault, you can not be sued for damages.
Many people in Miami Beach, Florida however, are misled into thinking that all cost will be covered by their policy.This is unfortunately simply not true. Your insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being ten thousnad dollars. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
The ability to sue other drivers for damages is closely regulated and under Florida No Fault Insurance law, all drivers must carry insurance for their own protection.
Should I consider any other type of cover for my Miami Beach car insurance policy?
Experts say that you should never go with the bare minimum cover. In a serious accident a minimum coverage policy will hardly cover your expenses. Higher limits and additional cover will guarantee that you are properly insured. Adding additional cover could include:
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Increasing your deductible to help offset some of the additional costs.
Affordable auto insurance in Miami Beach, FL
Believe it or not, it isn’t that difficult to find affordable auto insurance in Miami Beach, FL. It really is as simple as shopping around and comparing quotes from reputable insurers. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. You are in control because the insurance companies in Miami Beach, FL are doing all they can to attract new customers!
They offer discounts and special rates which are only available to new customers.
Discounts are even available for young drivers in Miami Beach. How about getting cheaper quotes because of consitently good grades? As a parent this is really a win-win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
If you are a senior driver, you can also find affordable auto insurance in Miami Beach. Senior drivers don’t usually driver fast, flash cars and don’t have a high mileage per year.
What are you waiting for, compare Miami Beach car insurance quotes NOW and you could save up to 35%!
Tags: Miami Beach Car Insurance Quotes, Miami Beach Florida Car Insurance, Miami Beach Insurance Requirements
