Personal Lines Coverage
Personal auto coverage for drivers across Miami-Dade and beyond — from minimum state requirements to full comprehensive protection.
Florida requires all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability. But minimum coverage often isn't enough. We help you build a policy that truly protects you — shopping across 100+ carriers to find the best combination of price and protection for your specific situation.
Florida law requires PIP and PDL coverage for every registered vehicle. We make sure you're compliant and properly protected.
Young or newly licensed drivers often face higher premiums. We shop multiple carriers to find the most competitive rate.
Insuring multiple vehicles? We can bundle them for significant discounts without sacrificing coverage.
Prior accidents, tickets, or DUIs don't have to mean unaffordable insurance. We work with non-standard carriers too.
Collector and classic vehicles need agreed-value coverage — not standard depreciated value. We have the right markets.
Driving for Uber or Lyft? Personal auto policies have gaps during rideshare activity. We'll make sure you're covered.
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums are often insufficient in a serious accident.
Florida does not currently require bodily injury liability for most drivers, but it is strongly recommended. Without it, you could be personally liable for injuries you cause.
Collision covers damage from accidents with other vehicles or objects. Comprehensive covers non-collision events like theft, weather, and vandalism.
It depends on the carrier and circumstances. We can shop your policy at renewal to make sure you're still getting the best rate after a claim.
Our licensed advisors will find you the best rate across 100+ carriers. No obligation, no pressure — we speak English and Spanish.