If you’re looking for cheap Miami car insurance, you’re definitely not going to want to purchase anymore than what the State of Florida has set as its minimum car insurance requirements.
Currently, Miami, Florida’s minimum car insurance requirements are:
Personal Injury Protection (PIP): $10,000
Property Damage Liability (PDL): $10,000
However, Miami, Florida also has what’s called bodily injury coverage (BIL). Up to the limits of your policy, BIL is coverage for any serious personal injuries or death you cause other persons due to a car accident that is your fault.
Sometimes, BIL will cover accidents caused by your or other members of your home, despite the car being driven, as well as covering you in the event that someone to whom you have given permission to drive your car has caused an accident.
The average, safe driver usually doesn’t need to purchase BIL in Miami, Florida, making your quest for cheap Miami car insurance easier; however, sometimes you are required to purchase BIL if you have been charged with and convicted of certain motor vehicle-related offenses. Many Miami, Florida drivers may also have to purchase BIL coverage because they do not own their car out right. This means they have a lender, financier, or lien holder who has also invested in the car and requires the “owner” to purchase all available car insurance coverage. Always check with everyone involved in the purchase of your car, including the dealership, about your Miami, Florida car insurance requirements.
Regardless of how much insurance you do, or do not, have to purchase, there are always additional ways to get, and keep, cheap Miami car insurance. For example, keeping your driving record clean by avoiding traffic violations and accidents helps, as does adding safety features to your car. Plus, making regular, on-time insurance payments will prevent your car insurance policy from being cancelled, which always looks good should you choose to switch car insurance companies.
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