If you live and drive in Miami, Florida, you need “Florida Coverage” car insurance. All this really means is that you have to have auto coverage that was issued in the State. You’ll need to have this in place when you go to the DMV to pay for the registration.
Although it is relatively simple to find and secure a car insurance policy, most motorists who live in Miami want to find the cheapest rates possible. Although anyone can find a low rate by only buying minimum coverage, this isn’t going to be enough should you find yourself in an accident.
If you’ve already been in one collision in Florida you may actually have to purchase coverage for bodily injury. This is decided on a case by case basis, but it’s important that motorists shopping for coverage be aware of that fact.
When you do want more coverage than what the law suggests as minimal, consider using these money saving tips:
o If you only use the car for recreational purposes, tell the car insurance agent this. This often applies to stay-at-home parents as well as the elderly. It costs more to insure a vehicle that is driven back and forth to work each day.
o Elderly drivers can also take a defensive driving course. Miami is a haven for the retired and many Miami based insurance companies realize that more mature drivers may pose a risk. If those motorists take a defensive driving class to proof they are still competent behind the wheel, they may be eligible for a discount.
Although it can be tedious to call different agents to ask for car insurance quotes the savings you can enjoy will be worth the trouble. Many motorists are shocked when they realize that quotes for the exact same coverage can vary by hundreds and even thousands of dollars a year depending on the company. When you know this, it becomes much less of a task to gather those quotes.