Miami, Florida Auto Insurance
At American US Insurance the Insurance companies we represent provide a wide range of auto Insurance products at the best price in Florida. Your price gets even better if you qualify for any of our available discounts. When applying for car Insurance you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
Florida Auto Insurance Coverage
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your car. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage above the deductible you selected. The higher the deductible, the lower the premium but also the more money out of pocket at the time of a claim. Please consider your options when purchasing car insurance in Florida.
Liability Insurance coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident. This is a very important section of your car insurance policy since it will protect you from being sued by other parties for injuries you may cause to others. In Florida the bodily injury liability insurance coverage is optional. Still, very important, and we at American US Insurance always recommend you to carry some, at least the minimum which is $10,000/$20,000, although it is always better to have higher limits to protect you and your assets.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and the passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Florida Personal Injury Protection (PIP)
In Florida Personal Injury Protection, also known as No-Fault coverage or PIP, is mandatory. This coverage pays for medical and rehabilitation expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional Insurance coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required but are very important in the event of an accident. A small monthly fee can save you thousands down the road.
How much coverage is needed?
Choosing the appropriate level of auto insurance coverage depends on several factors, including assets you must protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your risk tolerance.
Florida Insurance Companies Discounts
Drivers-based discounts: good driving discount, paperless discount, auto-pay, good student discount, 5 years accident-free, multi-car discount, prior insurance discount, homeowner discount, paid in full, advanced quote, multiple lines with the same company, agency transfer discount.
Vehicle-based discounts: anti-lock brakes, anti-theft alarm, rearview camera, airbags, new vehicle purchase, break assistant, lane departure discount.
Our professional licensed insurance agents in Miami Florida, including the Ft Lauderdale, Jacksonville, Orlando, Palm Beach, and Tampa areas, can assist you in finding the right auto insurance you need.
