Auto Insurance Quotes in Miramar FL - [Mom Prepared] (2025)

Auto insurance is a necessity for every driver, but when you have a family with multiple drivers of varying ages, the costs can quickly add up. As a husband and wife raising children in Miramar, FL, we understand the importance of finding the right coverage at an affordable price. With four vehicles in our household and a range of driving infractions among our family members, we have learned a lot about navigating the world of auto insurance quotes.

Let’s start with an introduction to our family and our vehicles. As a husband and wife, we have three children, each at different stages of driving. Our oldest son, Alex, is 18 and just got his driver’s license. Our daughter, Emily, is 16 and will be getting her license soon. And our youngest, Noah, is 14 and eagerly counting down the days until he can start driving. With such a range of ages and experience levels, we knew we needed to have the right coverage for each of our vehicles.

Our first vehicle is a 2015 Toyota Camry, which we use for our everyday errands and commuting to work. We have full coverage on this car, including liability, collision, and comprehensive coverage. Our monthly payment for this vehicle is $150.

The second vehicle in our household is a 2018 Ford Explorer, which we use for family road trips and outings. We also have full coverage on this car, with a monthly payment of $200. With three kids and all their gear, having a spacious SUV is a must for us.

Our third vehicle is a 2012 Honda Civic, which our oldest son Alex uses to get to school and work. We have liability coverage on this car, with a monthly payment of $75. As a new driver, Alex is still building up his driving record, so we opted for a more basic coverage plan for him.

Finally, our fourth vehicle is a 2005 Ford Mustang, which our daughter Emily will be driving once she gets her license. We have liability coverage on this car as well, with a monthly payment of $60. With a sporty car like the Mustang, we wanted to make sure Emily had the right coverage to protect her and the car.

Over the years, we have had a few driving infractions among our family members that have impacted our auto insurance rates. Alex got a speeding ticket last year, which raised our rates by $50 per month. Emily was involved in a minor fender bender, which increased our rates by $75 per month. And I, as the husband, received a citation for running a red light, resulting in a $100 increase in our monthly premium.

In addition to these infractions, we have also seen our rates go up due to changes in the insurance industry and the overall risk profile of our family. As our children have started driving and we have added more vehicles to our policy, our rates have naturally increased. However, we have been proactive in seeking out new quotes and discounts to help offset these costs.

When it comes to auto insurance in Miramar, FL, there are a few common questions that many residents have. Here are 12 questions that we frequently come across, along with the answers:

1. What is the minimum required auto insurance coverage in Miramar, FL?

In Florida, drivers are required to have at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.

2. Are there any discounts available for families with multiple drivers?

Yes, many insurance companies offer discounts for families with multiple drivers on the same policy. Be sure to ask your insurance provider about any available discounts.

3. How can I lower my auto insurance rates?

There are several ways to lower your auto insurance rates, including maintaining a clean driving record, bundling your policies, and taking advantage of discounts.

4. Does my credit score impact my auto insurance rates?

In Florida, insurance companies are allowed to consider your credit score when determining your rates. A higher credit score can often result in lower premiums.

5. What factors determine my auto insurance rates?

Several factors can impact your auto insurance rates, including your driving record, age, gender, location, and the type of vehicle you drive.

6. Can I add my teenage driver to my policy?

Yes, you can add your teenage driver to your policy, but be prepared for an increase in your rates. Teenage drivers are considered high-risk and often result in higher premiums.

7. What is uninsured motorist coverage?

Uninsured motorist coverage protects you in the event that you are involved in an accident with a driver who does not have insurance. This coverage is optional but highly recommended.

8. Can I change my coverage limits at any time?

Yes, you can change your coverage limits at any time by contacting your insurance provider. Be sure to review your policy regularly to ensure you have the right coverage for your needs.

9. What is the difference between collision and comprehensive coverage?

Collision coverage pays for damages to your vehicle in the event of a collision with another vehicle or object. Comprehensive coverage, on the other hand, covers damages from non-collision events such as theft, vandalism, or natural disasters.

10. Are there any special requirements for teen drivers in Florida?

Yes, teen drivers in Florida are required to complete a driver education course and hold a learner’s permit for at least one year before obtaining a full driver’s license.

11. How can I file a claim with my insurance provider?

To file a claim with your insurance provider, contact your agent or the company’s claims department as soon as possible. Be prepared to provide details about the accident and any relevant documentation.

12. What should I do if my insurance rates increase unexpectedly?

If your insurance rates increase unexpectedly, contact your insurance provider to inquire about the reason for the increase. You may be eligible for discounts or other savings opportunities.