Auto Insurance in Miami, FL
How Auto Insurance Works
Auto insurance is a contract with an insurance company to help provide financial help in the event of an accident or theft. You pay a premium, and the insurance company pays your losses as outlined in your policy if you make a claim and it is approved.
Contact Miami International Insurance Agency today for a personalized auto insurance quote.
How Much Is Auto Insurance in Florida? 
The cost of car insurance in Florida varies based on factors that may include your age, driving history, the vehicle’s value and where you live in Florida. Your costs are also determined in part by the coverage and deductibles you choose. Miami drivers must comply with state laws dictating minimum amounts of property damage liability (PDL) and personal injury protection (PIP) coverage.
Get an car insurance quote from a reputable insurance agency, like Miami International Insurance Agency, to understand the potential costs.
How Do Auto Insurance Deductibles Work?
An auto insurance deductible is the amount you pay out of pocket before your insurance covers the rest of a claim. For example, if your deductible is $500 and your covered repair costs are $2,000, you pay $500 and your insurer pays $1,500. Choosing a higher deductible usually lowers your monthly premium, but it means more cost upfront if you file a claim.
Why Do Auto Insurance Premiums Increase?
Auto insurance rates can increase due to accidents, traffic violations or changes in your credit score. Even without personal claims, premiums may rise because of inflation, increasing repair costs, and theft and accidents in your area. Insurance companies adjust rates based on overall risk and economic trends, not just individual behavior.
Where to Get Car Insurance
Car insurance can be obtained from a variety of sources. There are numerous advantages when you work with an experienced agent at Miami International Insurance Agency in Miami, FL. Our team can help tailor your car insurance to meet your needs. We’ll help you shop around for favorable rates from reputable insurers. Contact us today to start comparing auto insurance quotes.