Comprehensive Car Insurance in Miami, Florida
At American US Insurance, we partner with top insurance providers to deliver a wide range of auto insurance products at the best prices in Florida. Your savings can grow even further if you qualify for one of our many available discounts. Let us guide you in understanding coverage options, deductibles, and liability limits to find the best policy for your needs.
Florida Auto Insurance Coverage Options
Collision and Comprehensive Coverage
Collision and comprehensive coverage protect your vehicle from damage caused by various incidents:
- Collision Coverage: Covers damage to your car resulting from accidents.
- Comprehensive Coverage: Protects against non-collision damage such as fire, theft, floods, or vandalism.
These coverages often include a deductible, ranging from $100 to $1,000. A higher deductible means a lower premium but requires more out-of-pocket costs during a claim. If you have an auto loan, you may be required to purchase both coverages.
Liability Insurance Coverage
Liability coverage pays for injuries and property damage you cause to others in an at-fault accident. While bodily injury liability is optional in Florida, we recommend carrying at least the minimum coverage of $10,000/$20,000 to protect yourself and your assets. Higher limits offer even greater protection.
Medical Payments Coverage
This coverage pays medical expenses for you and your passengers, regardless of fault. If you already have health insurance, this coverage may not be necessary.
Florida Personal Injury Protection (PIP)
Mandatory in Florida, PIP covers medical and rehabilitation expenses, funeral costs, and loss of income due to injuries sustained in an auto accident. This no-fault coverage ensures you receive benefits regardless of who is at fault.
Uninsured/Underinsured Motorist Coverage
This essential coverage protects you if you're injured by an uninsured or underinsured driver or involved in a hit-and-run accident. It ensures you're covered when the other party lacks adequate insurance.
Optional Coverage
Optional coverages, such as towing, rental reimbursement, and roadside assistance, provide added convenience and protection. For a small monthly fee, these coverages can save you significant costs in the event of an accident.
How Much Auto Insurance Coverage Do You Need?
Choosing the right level of auto insurance depends on several factors:
- Your Assets: Protect your wealth with sufficient liability coverage.
- Vehicle Value: Opt for collision and comprehensive coverage for high-value cars.
- Out-of-Pocket Costs: Determine the deductible amount you can afford.
- Risk Tolerance: Assess your comfort level with financial risks.
Florida Insurance Discounts to Save You More
Driver-Based Discounts
- Good driving record
- Paperless billing
- Auto-pay enrollment
- Good student discount
- Accident-free for 5+ years
- Multi-car discount
- Homeowner discount
- Pay-in-full discount
Vehicle-Based Discounts
- Anti-lock brakes
- Anti-theft alarm
- Rearview camera
- Airbags
- New vehicle purchase
- Brake assist system
- Lane departure warning
Serving Miami and Beyond
Our professional licensed insurance agents are based in Miami and serve surrounding areas, including Ft. Lauderdale, Jacksonville, Orlando, Palm Beach, and Tampa. Let us help you find the right auto insurance policy to meet your needs and budget.
