If you're looking for cheap car insurance in Miami, you definitely don't want to buy more than what the State of Florida says is the minimum amount of car insurance you have to have.
At the moment, these are the minimum car insurance requirements in Miami, Florida:
$10,000 for Personal Injury Protection (PIP)
Damage to other people's property (PDL): $10,000
But bodily injury coverage is also available in Miami, Florida (BIL). BIL will cover, up to the limits of your policy, any serious injuries or deaths you cause to other people in a car accident that you caused.
Sometimes, BIL will cover accidents caused by you or other people in your home, even if the car wasn't being driven. It will also cover you if someone you gave permission to drive your car caused an accident while driving it.
Most safe drivers in Miami, Florida don't need to buy BIL, which makes it easier to find cheap Miami car insurance. However, you may be required to buy BIL if you have been charged with and convicted of certain offences related to motor vehicles. Because they don't own their cars outright, many drivers in Miami, Florida may also need BIL coverage. This means they have a lender, financier, or lien holder who has also put money into the car and wants the "owner" to buy all the car insurance coverages that are available. Check with everyone involved in buying your car, including the dealership, to find out what kind of car insurance you need in Miami, Florida.
There are always more ways to get and keep cheap Miami car insurance, no matter how much insurance you have to buy or don't have to buy. For example, avoiding traffic violations and accidents and keeping your driving record clean can help. So can adding safety features to your car. Also, if you pay your car insurance bill on time and regularly, your policy won't be cancelled. This looks good if you ever want to switch car insurance companies.
To get free quotes and learn more about insurance please visit the following recommended sites.
