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Before you get in your car and head to the beach, you better be sure that you have the right type and amount of insurance for your car. While there is less traffic in Miramar Florida, than in nearby Miami, accidents, vandalism, and car thefts still occur in this Southwest Broward County city.
Florida is a no-fault state and you are required to carry a minimum of $10,000 in property damage liability coverage and $10,000 in personal injury protection. Most people carry more than the minimum so that they will be better covered if they suffer a more extensive loss. If you get a bare-bones policy with minimum coverage, it may help pay your medical bills, but it will not pay for damage to your car.
If you want or need auto insurance that includes comprehensive and collision coverage, the cost of such a policy can be more than you want to spend. Depending upon many factors such as your age, driving record, and type of car you drive, your car insurance rates can range from less than several hundreds of dollars per year to several thousands of dollars per year.
Finding affordable car insurance rates is always a goal, but it is especially important in an economy where so many people are living paycheck-to-paycheck. Why pay more than you have to pay?
While your personal driving risk profile plays a key role in determining the rates you will have to pay, it is equally important to get quotes from a number of different insurance companies. You may get lucky and find the most affordable rates by just picking out and calling an auto insurance company that has a prominent display ad in the Yellow Pages. A more reliable way to get the most affordable rates is to visit our local independent agency, have us get quotes, and find you the lowest rates in town.