Miami Auto Insurance

Is this a good price for auto insurance in Miami?

admin — Fri, 27 Aug 2010 14:01:07 +0000

Is $201.12 a month for full coverage from State Farm a good deal? Progressive quoted me for $285 a month and it doesnt even include UM and the liability is at 10/20/25. State farm would cover me 25/50/25, auto death indemnity, UM, and more.

I am a 22 year old female and i just got my license in Feb 07, and i live in Miami.
This is for a 2003 Honda Civic LX 2dr coupe (paid in full). This is my first car.

I was just wondering, if this is a good price compared to other people my age with similar coverage. I know my friend is paying $300 a month for his and he is 24.

Why don’t you try Compare Miami auto insurance online?

But really, it sounds about right. You are under 25, your a female, and its your first insurance. If you are a student and do good in school, you can get an additional discount. Also, all insurance comes with UM/UIM benefits, that’s liability coverage. If you are looking for collision, that coverage is if you get into an accident and are at fault, you are covered. Collision is definitely more expensive than that. You are saying full coverage for that price from State Farm, I would take it.

People that live in miami only, car insurance problem?

admin — Thu, 08 Jul 2010 19:04:36 +0000

me and my boyfriend r trying to move out, its really necessary because my parents r moving far and if i go with them i cant see him again, any ways we have enough money, we both have money saved up and im working, we have enough to pay the bills, now the problem is that in November my bf had a terrible car accident, he was in the hospital for almost 2 months and now he needs a new car and he cant work until august because he is still recovering and his insurance rate (our insurance if we live in the same place) is going up the roof, im talking 800$ monthly just for his car, not to mention adding mine up too which i have a perfect record but he doesn’t. now my question is, does anybody know how we can diminish the payments drastically any company or anything? please please please im open to any suggestions and we r desperate

thanks

I think there are some details you are leaving out. Yes it’s possible for insurance for a single vehicle to be $800/month (despite David from Landa “We’re being investigated for unethical business practices” Insurance’s claim), however in order to get that high your boyfriend would have to be under 25, driving a sports or high end luxury vehicle and have some serious moving violations (DUI, Careless Driving, Dangerous Driving, etc). We already know he has one at fault accident, any others? There’s nothing he can do about his age. If he is driving a high end or sports car and/or he does have some serious moving violations then it’s time to sell the vehicle and buy an old beater for cash and insure it for liability only. This will help bring the premium down. You can always shop around, however if any of the conditions I mentioned before are true there aren’t going to be too may options, however at this point anything can help.

Cheap auto insurance in miami hyundai

admin — Thu, 08 Jul 2010 19:04:36 +0000

Does anyone know of a cheap auto insurance company in miami? i am 20 years old and i have gotten quotes from Esurance, geico, and progressive. the cheapest was Geico and it was $278 a month for the Basic coverage.

I own my car and it is a 2003 Hyundai Tiburon

There is no such company in Miami or anywhere else. The only way to buy insurance is to call around for quotes and choose the best one for you and your particular circumstances. What is best for one person may not be best for another.

Get FREE Miami Auto Insurance Quotes Online

bad credit and car insurance in Miami

admin — Thu, 08 Jul 2010 19:04:36 +0000

If you have bad credit can you get car insurance in Miami FL?

Im 21 and a new driver, i bought a 2003 used honda civic from a private owner.. will i be able to get car insurance?? i want the cheapest of the cheapest and its going to be under my name only,.

Of course you can!

Use this site to compare free quotes from different insurance companies and choose the right policy for you. Make sure you know how much coverage you need and fill the right information.

Good luck.

How to choose the right vehicle insurance coverage for you

admin — Wed, 30 Jun 2010 11:48:27 +0000

A large number of people get puzzled when it comes to auto insurance. It is incredibly important to select the best coverage for your policy. Is it really worth it having a policy if you finally end up being underinsured? At the same time, paying for unnecessary coverage is really a waste of money. The fact is that, thousands of people in America pay too much for vehicle insurance.

It is very important to comprehend the fundamentals. First off, you need to know that your policy is in fact a bundle of different types of insurance coverage. Secondly, there are types of cover which are considered necessary by the state you live in. Generally they are Bodily injury liability (BIL), Personal injury protection (PIP) and Property damage liability (PDL) coverage. The minimum amount of cover varies from state to state.

Bodily injury liability – you must bear in mind that BIL gives protection in case you injure or kill somebody while operating your car. Additionally, if another party chooses to prosecute you after an car accident you have caused, Bodily injury liability coverage will provide for legal defense. A serious accident may become very expensive so its wise to have sufficient cover to safeguard your personal assets. BIL is with regards to people’s accidental injuries, not your motor vehicle. Try keeping a similar amount of BIL cover for all your automobiles.

Property damage liability – other people’s property is what this cover is designed for. If you find yourself in a position where another party is suing you for property damages you have caused, PDL gives you legal defense.

Personal injury protection – in some states closely connected with No-fault. It covers the medical bills for the passengers in your vehicle, including the driver. Some insurance policies include protection for injuries suffered as a pedestrian.

Insurance industry experts suggest that getting cover only up to the minimum requirements is simply not enough.

Additional Auto Insurance Coverage

Asking yourself what other types of cover may be beneficial? Well, it all depends on your circumstances, but here are the most common ones:

Uninsured motorist coverage – it doesn’t come as a surprise that the number of uninsured drivers has increased recently. You need to guard yourself and your family against such drivers. Adding uninsured motorist coverage to your insurance plan is advised by just about any insurance expert nowadays.

Comprehensive physical damage coverage – if you want your vehicle to be protected against fire, flood or theft, this is the coverage you need. Take into account the price of your automobile before adding such cover and decide if its really worth it or not. Having higher deductibles will keep the cost of this coverage affordable.

Collision coverage – if you hit another car or object, or even if you are hit yourself by another car, the cost of vehicle repairs will be covered by collision coverage. Once again, its only recommended to add this type of cover to your policy if your car is really worth it.

These are pretty much the main coverages that you have to have. Now you can make an educated decision which cover you have to have and which one is unnecessary for you. If in doubt, always consult a specialist and keep in mind to obtain more than the required minimum which is,in most cases, hardly enough.

For more information regarding auto insurance, sr22, fr44 and free online quotes, please visit Florida No Fault Insuranceand SR22 Insurance Quotes

I want to move to Miami but i need to know a couple things?

admin — Tue, 22 Jun 2010 14:43:45 +0000

Ok basically how much is rent down there and how much is down payment and is it fun im 18 and me and my cousin are planning to move there we also would like to kno if theres any places close to miami thats cheaper like an hour away or something? just tell me everything you kno about rent people how much is car insurance everything thank you

Car insurance will run about $295 per month full coverage in Miami, we’re the 2nd worst in the nation next to NYC/Jersey area.

You’re looking at $800 to $1,100 a month, If you’re looking for something relatively cheap, I can go on and on for an hour about what’s what… cheap usually means dangerous in MIA, and Miami has made the FBI’s top ten most dangerous cities list again this year.

Also try http://www.roommates.com

check out this little village called Miami Shores, it’s nice deed restricted community where their police takes things a bit more serious than Miami Dade County Police.
Miami Beach is nice but the people are horrible and there’s never any where to park your car. Kendall & The hammocks are gorgeous but unless you speak spanish fluently you will have a hard time because everyone refuses to speak English in that area.

My recommendation to you would be check out the city of Hollywood, Davie or Dania Beach or even Fort Lauderdale has some spots they might not be too expensive. a lot has change over the years in Homestead which I used to recommend to everyone but all the wrong kinds of people are moving in there and destroying that area.

Now if you have tons loads of money then check out
Coral Gables by the Sea
Saga Bay
Redlands
Key Biscayne
Bal Harbour
Boca Raton
Weston

Good luck!

I would like to move to Detroit, Michigan to Miami, Florida?

admin — Tue, 22 Jun 2010 14:43:45 +0000

Do you think this is a good idea or no. For people who live there, is it a nice area to live in. Are people friendly, How is the cost of living, etc!

I moved from Detroit to Miami almost 5 years ago, so depending on exactly where in The D you’re from, you’ll probably pay at least a third more for housing. And your car insurance will skyrocket because driving in Miami is a lost art. I would do it all again in a heartbeat, though, because January in Miami beats out January in Detroit every time!

Miami from a social standpoint isn’t too different, other than maybe the demographic profile. Detroit is far worse as far as crime rate is concerned, although the level of crime also depends on where you live. I’ve lived in some nasty areas here and haven’t ever felt unsafe.

Hope that helps! Good luck with your move!

cheap auto Insurance in miami, fl?

admin — Wed, 28 Apr 2010 16:16:20 +0000

I recently moved here and need to buy insurance for my car. Ive been searching on-line and i am overwhelmed on how expensive the rates are here in fl compared to California where i use to live. I have never had quotes in the 100’s.
so do u know a cheap auto insurance company here in miami, fl
I have a 95 ford mustang cv

my brother lives in miami and the cheapest he could get on his truck was through geico insurance and it was in the hundreds also,all you can do is ask around and get some quotes on it,its real expensive to live there especially if you have to get insurance,good luck.

Click Here to Compare Quotes

Does anyone know of a good auto insurance agency in Downtown Miami for liability only?

admin — Tue, 27 Apr 2010 16:16:20 +0000

Need an auto insurance agency in Downtown Miami with efficient service and good rates for liability only. Thanks.

You should check out Florida No Fault Insurance

On that site you can shop a bunch of auto insurance companies all at once to find liability only policies for Florida drivers.

Make sure you have your details at hand. Filling the online form takes only a couple of minutes and you get lots of quotes instantly.

Don’t rush. Look at each one individually as some may be cheaper but others offer better cover.

Auto accident settlement questions

admin — Mon, 26 Apr 2010 16:16:20 +0000

Here’s the deal.

I was hit head on by a drunk driver 3 months ago. Both vehicles totalled, the lady driving the other vehicle died on the scene. I suffered a broken toe, broken arm, and two herniated discs. Currently in therapy, the therapist and surgeon thinks that i will need surgery or live with the pain. The other insurance company has accepted fault, 100% obvously since she (the driver) was drunk. I’m terrified of surgery, and was even told by the DR that it may not totally fix the problem and I may need surgery again to remove scar tissue. My medical bills are being paid through PIP ( Miami FL resident ) but limits are basically exhausted

Now my questions:

1. If i decide not to get the surgery at this time, will the insurance company consider the possibility of a future surgery when offering a settlement?

2. My current bills are about 18k, not including therapy and of course, the real possibility of surgery. What’s a reasonable settlement amount for these injuries? I’ve now missed 5 weeks of work due to pain.

#3. I am speaking with an attny, but i haven’t signed anything. ok, this was a comment, not a question.

#4. last question. My vehicle was totaled. the value was 14k, but i owed about 19,500 on it. is it a good sign that the other drivers insurance company paid off the entire loan? i did not have gap insurance on the vehicle.

thanks all. this is so depressing. i hope one day this will be rectified somehow

1. It can be up for negotiation – but if you’re refusing the medical treatment, normally you can’t get reimbursed for something you didn’t have.

2. Settlements aren’t based on your medical bills, and is highly subjective, based on your age and the extent of permanent disability. Obviously, or maybe not so, if you’re refusing medical treatment to fix the disability, it’s going to severely limit how much compensation you’re entitled to, for that disability.

3. Don’t be too quick to give 40% away. Keep in mind, the MOST her insurance will pay, is the policy limit. Ask what that is. They don’t have to tell you, but hey, just ask. And let the insurance company make a first offer. It will be low, and they’ll expect a counteroffer. If it’s silly low, ask them if it’s that low because that’s the limit on the policy. And don’t be afraid to ask your auto insurance agent for advice – it’s FREE!

4. It very much surprises me that the other driver’s insurance paid off the loan. They have no obligation to pay more than the actual cash value of the car.