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Auto Insurance Miami, Hialeah and Broward

Automobile insurance is designed to cover risk of financial liability or loss a motor vehicle owner may face if their vehicle is involved in a collision resulting in property or physical damages. In the State of Florida, if you own a vehicle with at least four wheels and are registering it, you must have auto insurance.

A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored. Many insurance companies offer premium discounts based on these factors. Let Pandora insurance review all the above factors and help you develop an insurance plan with the appropriate carrier to help you meet your needs with the best possible coverage and the lowest price.

Auto insurance provides property (damage to, or theft of your vehicle), liability (your legal responsibility to others for either bodily injury or property damage) and medical coverage (the cost of treating injuries, rehabilitation and, sometimes, the loss of wages and / or funeral expenses).

Most auto policies are either for six months or one year terms. Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). Your vehicle must have a valid Florida registration.

Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term which is to be kept in the vehicle in the event of a traffic collision as proof of insurance. Recently, states have started passing laws that electronic versions of proof of insurance can now be accepted by the authorities.

Pandora Insurance Agency will be happy to speak with you and assist with customizing an auto insurance policy, with the proper coverages, the lowest price and the best carrier.

We also provide insurance for Boats, Motorcycles and RV’s

Please contact us at 305-231-9898 or for additional information and a free quote.