Cheap Insurance Miami

 

 

The City Of Magic

 

This city is absolutely beautiful.

From the white, sandy beaches and green stretches of palm tree leaves, one is always on vacation in Miami.

There is also so much to do.

Tourism is a huge part of the economy here in Miami. Come see a professional basketball game from the Miami Heat.

Entertainment is around the corner every night.

This seaport city is bustling with culture and innovation.

You can breath easy in Miami. This city has great air quality, an a world renowned recycling facility.

It boasts pure, clean water and prides itself on health.

Have you always wanted to go on a Cruise? Miami is the “cruise capitol of the world”.

Head out to the Bahamas for the weekend. Ships leave every day from these ports.

If you are a resident of this great town, you know how lucky you are to live here.

Raise a family or come for the education.  Either way, you won’t want to leave.

Florida is the only state in the United States that has a tropical climate.

Isn’t that reason enough to enjoy yourself year round?

From Museums to a fast-paced night life, Miami has it all.

You can come here for a great party, or to raise a family.

The weather is great and the beaches are welcoming.

Try making Miami your home today.

 

How Do I Get The Best Insurance In Miami?

 

The best way to search for insurance in the state of Florida is by attaining a broker.

Not only does a broker work for the consumer, but they know everything that there is to know about insurance.

Whether you have just moved to Miami, or have lived here for year, the law is important.

Knowing the facts about insurance can be the different between saving hundreds of dollars, or wasting your money.

The best way to learn about insurance is to become educated on the laws in your state and the valuables you attain.

Do you own a car to get you to work? Are you looking into purchasing a home? Maybe you and your family need health insurance.

Make sure you have the best cheap insurance Miami residents deserve.

Let’s take a look at what your insurance options are and how you can save money.

 

Insurance Requirements Miami

Car Insurance

 

If you commute to work in a city like Miami, you will need car insurance.

Not only is it a state law, but it seems to be the best way to get anywhere in this great city.

Yes there is public transportation, and some people like that, but owning a car gives you a piece of mind that public transit cannot.

 

Here are the facts about cheap car insurance Miami residents need in the great state of Florida:

  • Florida state is a “no-fault” state. This means that an individual’s insurance company covers their losses regardless of fault.
  • Florida requires a minimum of $10,000 for Personal Injury Protection.
  • Florida also requires a minimum of $10,000 Property Damage Liability.

 

Here is what you might want to feel fully covered:

 

  • Collision coverage which will pay for you and your own car in an accident. Even though Florida is a no-fault state, there may still be damages or medical expenses that need to be covered.
  • Comprehensive coverage will cover things such as theft and smaller damages not incurred in an accident.
  • Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
  • Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
  • Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
  • Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.

Ask about discounts when you talk to a broker. You could qualify for multiple discounts and not even know!

Here area few that could work for you:

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.

Check out our Cheap Car Insurance Miami page!

Call us today and get that great cheap car insurance policy you need.

Car Quote

 

Motorcycle Insurance

 

Motorcycle insurance in most states is much like car insurance.

The minimum requirements you would have for a car, you would also have for your motorcycle.

But not in the state of Florida. In Florida, there is no actual law telling you that you must carry insurance on your motorcycle.

Instead, you need to have a certain amount of money to cover the cost of tother peoples damages.

How do you attain this?

Let’s talk about how getting cheap motorcycle insurance Miami style is just different.

 

Here are a couple of ways you can prove that you are a responsible motorcycle enthusiast in Florida:

 

  • Purchase liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.
  • Obtain a Financial Responsibility Certificate from the Bureau of Financial Responsibility after you:
    Post a surety bond with a state-licensed company.
    Deposit cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).

 

This seems like more trouble than it might be worth.

If you want to feel risk free when riding, even if it’s not the law, call us today.

You will want to have affordable motorcycle insurance that you can count on.

Don’t get stuck paying out of pocket. We can get you covered within minutes!

 

Cycle Quote

 

Homeowners Insurance

 

Homeowners insurance is not a law in the state of Florida.

But some mortgage companies will make you attain it.

You should know your options either way.

When you live in a beautiful place like Miami, there is still risk.

You are at risk for hurricanes and windstorm damage.

These are extra policy options on a homeowners insurance policy.

You should have at the very least a liability coverage for your home.

 

Here are some different homeowners insurance options:

 

You could be covered for the following with a basic policy-

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.

 

If you would like to save money on the cheap homeowners insurance Miami residents want, you could do a few things.

First, you could install an alarm system.

You could have a sprinkler system installed as well.

Try a dead bolt lock. Anything that protects your home could save you money on your policy.

Call us today and find out the details of a great policy. Your home needs protection even if it isn’t the law!

 

Home Quote

 

Life Insurance

 

What a great feeling to know that your loved ones will be taken care of when you are gone.

This is the gift you can give at the end of your life.

You might not think it is a big deal now, but people are left stranded every year.

They are left with debts, mortgages and obligations that they cannot fill.

All of this because there was nothing left behind for them to use.

Life insurance could mean the difference between affording a funeral or not.

Florida is a huge retirement mecca.

For all of those looking to live their final days in peace, they come to the sunniest place with the best beaches.

But to secure your family, you will need the cheap life insurance Miami residents want.

 

How does life insurance work?

  • A policy is a contract between a life insurance company and someone who has a financial interest in life value of someone else. Sometimes it doesn’t have to be a person but a trust. Putting money aside for another individual in case of death can greatly benefit family and friends.

How do I know if I need life insurance?

 

  • f you have anyone in your life that depends on you financially for any reason, you need cheap life insurance.
  • If you area spouse or a parent of a child, when you pass, you will leave them with all of tour financial obligations. Make sure they are in situation where your debts don’t become their burdens.
  • Sometimes business require life insurance. Maybe you are a business partner and other people rely on you, life insurance can cover costs you may owe.

 

There are multiple policies to choose from so talk to a broker today.

Find out which type works for you.

You could have a million dollar policy for under $100 a month!

Just think of the life you would be able to leave behind.

Call us today for a quote that could change your life.

Life Quote

 

Health Insurance

 

Health insurance is mandatory and easily attainable.

Rates for health insurance are based off of your income.

The more money you make the more you have to pay for health care.

Living a healthy life is important and in fact most Miami citizens are quote healthy.

The sunshine leads to more outdoor activities which leads to a healthier lifestyle overall.

But you shouldn’t have to pay an arm and a leg for health insurance.

We can provide you with options. There are many great doctors in your area, all you need to find is the right fit for you.

There are many ways to save money on your health insurance plan.

One way is to raise your deductible, therefore lowering your monthly premium.

Many people choose this to save money throughout the year.

This does mean that you will be paying a higher rate when your hospital costs when you need to use your deductible.

 

 What is the cheap health insurance Miami residents need?

  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • To qualify for government healthcare, one must meet a financial criteria.
  • You will still need to pay for your doctors visits with a small fee called a co-pay. This is usually $15.
  • Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you.

 

Get the very best cheap health insurance Miami families deserve to have.

Call us today or click on the link button below for your free quote.

Our brokers are knowledgable and understand your needs.

 

Health Quote

 

Renters Insurance

 

The best part about renting a home is that you still love where you live.

You don’t have the obligations that a homeowner has, yet you like it all and the same.

Make sure your assets are covered and your valuables.

You could have liability coverage and theft for as little as $20 a month.

 

Here is some basic information on the cheap renters insurance Miami renters want:

 

  • A landlord’s insurance policy may not cover theft and damages. You will want to have your own. Most landlord’s insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.
  • You will want to itemize your belongings so that you understand what valuables you own and how much they cost.
  • A basic liability coverage is $100,000 of coverage for $50 a year.
  • Liability coverage usually covers if your dog bites someone as well.

This is just the basics. Find out more by calling us today!

Renters Quote

 

SR22 Insurance

 

There is a way out of the bind you are in.

If you have had a DUI or a revoked license in the state of Florida, you are required to have SR22 insurance.

This document is a way to get your life back.

You must obtain this document for a minimum of three years.

We can help you do this!

Know your rights and the laws of Miami by calling us today!

The cheap SR22 insurance Miami residents need is just around the corner.

Think positively and obtain this filing of financial responsibility now!

This document is set in place to protect Florida’s citizens from problem drivers.

Do wha tis right and abide by the laws.

We can help with the filing process today!

 

SR22 Quote