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Best Local Car Insurance Agencies in Miami

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AMERICAN INSURANCE BROKERS logo
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AMERICAN INSURANCE BROKERS

3650 NW 82nd Avenue PH504 & SUITE 403, Miami, FL 33166
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Business Description

American Insurance Brokers offers car insurance policies to drivers and vehicle owners across Miami. It sources auto packages that cover personal injury protection, medical payments, and other liabilities. It has comprehensive policies that cover collisions and underinsured or uninsured motorists. The brokerage works with top carriers to give its clients an extensive selection of options, to better determine the most applicable coverage. AIB, which has been in business for over 20 years, also offers commercial truck insurance for tractor-trailers, delivery vans, and straight, pickup, and semi-trucks.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ample Insurance logo
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Ample Insurance

8000 Coral Way, Miami, FL 33155
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Business Description

Ample Insurance is an independent insurance company in Miami, with offices in Orlando, West Palm Beach, and Cape Coral. With more than 55 years of experience, the agency serves residents throughout the state of Florida, with the support of insurance companies such as Mercury Insurance and Progressive. Ample's insurance policies help homeowners recover from hurricanes, flooding, and fires. The company also offers renters insurance. Services are available in both English and Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
4.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
B&G Insurance logo
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License Verified:

License: R002690

Florida Division of Insurance Agent and Agency Services

B&G Insurance

5600 SW 135 Ave, Suite 100, Miami, FL 33183
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  • Multiple Carriers

Business Description

B&G Insurance serves individuals, families, and businesses in Miami and the neighboring communities. It aims to protect clients from unwanted financial losses and potential risks on the road with auto insurance policies with coverages that include collision, comprehensive, and bodily injury. It also offers personal injury protection that extends to various expenses, such as rehabilitation, funeral, replacement, and work loss. The insurance professionals at this family-owned and family-operated have over 40 years of combined experience in the industry.

License Verified:

License: R002690

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (47)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Discount Insurance Network logo
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Discount Insurance Network

801 NE 125th St, North Miami, FL 33161
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Business Description

The Discount Insurance Network is an independent provider of auto insurance and other forms of personal and commercial insurance from North Miami, Florida. Serving the Miami metro area from its offices and the nation online, it includes Progressive and Windhaven in its list of insurance providers. The agency's typical policy includes collision, comprehensive, and liability insurance, but can be adapted to include other forms of appropriate protection, The Discount Insurance Network also provides homeowners and commercial insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (93)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Eckert Insurance Group, Inc logo
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License Verified:

License: R000211

Florida Division of Insurance Agent and Agency Services

Eckert Insurance Group, Inc

11601 Northwest 7th Ave., Miami, FL 33168
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  • Multiple Carriers

Business Description

Eckert Insurance Group, Inc., is an independent agency that serves individuals and businesses in the Miami area. It offers auto insurance policies that include personal injury protection, bodily injury liability, and property damage coverage. It also provides coverage for motorcycles and leased vehicles. The agency also offers financial protection solutions for homeowners and businesses. Eckert Insurance Group was established in 2001 following the purchase of King Carmel Insurance, a family-owned and family-operated agency that has been in the industry since 1959.

License Verified:

License: R000211

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (62)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fortun Insurance logo
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License Verified:

License: L034229

Florida Division of Insurance Agent and Agency Services

Fortun Insurance

365 Palermo Ave, Coral Gables, FL 33134
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  • Multiple Carriers

Business Description

Established in 1977, Fortun Insurance is an independent agency that offers a full line of coverage products for businesses and individuals in Miami and the surrounding areas. Its agents help clients find the right coverage for their personal insurance needs, including properties like cars, private homes, watercraft, jewelry, and fine arts. They also provide insurance plans for commercial auto, business liability, and workers' compensation. Fortun Insurance partners with some top-rated carriers, such as Liberty Mutual, National General, AmTrust, Progressive, and CNA.

License Verified:

License: L034229

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gables Elite Insurance logo
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License Verified:

License: R006516

Florida Division of Insurance Agent and Agency Services

Gables Elite Insurance

124 Madeira Ave, Coral Gables, FL 33134
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  • Multiple Carriers
  • Bundling Option

Business Description

Gables Elite Insurance offers automobile assurance products to consumers living in Miami. Its plans insure against total loss or partial damage due to fires, vandalism, or weather disturbances. These contracts protect from liability arising from personal injuries caused by the client during an accident. The team also delivers motorcycle, homeowners', and renters' policies. Gables Elite Insurance has been serving the community for around 20 years and has worked with over 4,800 customers across more than 7,500 cases.

License Verified:

License: R006516

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gil & Associates Insurance Consultants logo
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License Verified:

License: L014278

Florida Division of Insurance Agent and Agency Services

Gil & Associates Insurance Consultants

9485 SW 72nd Street, Suite A120, Miami, FL 33173
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  • Motorcyle & ATV
  • RV & Motorhome

Business Description

Gil & Associates Insurance Consultants is a family-owned agency with over 30 years of experience providing Miami residents and businesses with custom insurance products. These products range from personal automobile insurance personalized with additional underinsured and uninsured motorist coverage to farm and agriculture insurance covering damage to the farmstead and its attached structures. Its agents hold consultations with clients to determine their coverage needs and develop their insurance profiles before choosing and shopping from carriers that fit their specifications.

License Verified:

License: L014278

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Imax Insurance Group logo
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License Verified:

License: L084152

Florida Division of Insurance Agent and Agency Services

Imax Insurance Group

10368 W Flagler St., Miami, FL 33174
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  • Multiple Carriers

Business Description

Imax Insurance Group is a local agency that serves individuals and businesses in the Miami area. It offers auto insurance plans for personal and commercial cars that cover liability, medical payments, collision, comprehensive, and uninsured and underinsured motorists. Clients can choose to add roadside assistance, rental car reimbursement, and vanishing deductibles. The agency also provides risk management options for homes, renters, boats, motorcycles, recreational vehicles, and businesses. Imax Insurance Group has been in the industry for over 20 years.

License Verified:

License: L084152

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (473)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
International Insurance Center, Inc. logo
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License Verified:

License: R008850

Florida Division of Insurance Agent and Agency Services

International Insurance Center, Inc.

7990 SW 117 Ave., Suite 209, Miami, FL 33183
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  • Multiple Carriers

Business Description

International Insurance Center, Inc., is a non-affiliated agency located in Miami. It offers a wide range of insurance products to clients in the metro, from car and home policies, to business, cargo shipment, and warehouse plans. Its auto insurance policies can cover the policyholders' and their passengers' injuries, as well as their cars, property damage, and damage to other vehicles. International Insurance Center was founded in 1979. Principal Ed Cabassa has more than three decades of insurance experience and is an Accredited Adviser in Insurance.

License Verified:

License: R008850

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JM Private Insurance logo
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License Verified:

License: W177131

Florida Division of Insurance Agent and Agency Services

JM Private Insurance

7274 SW 48th Street, Miami, FL 33155
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  • Bundling Option

Business Description

JM Private Insurance is an agency that offers personal line coverages to Miami individuals, families, and corporations. Its team provides automobile coverages to protect its clients from the risks and expenses resulting from unforeseen accidents, such as collisions, wreckage, fire damage, and theft. Other lines of coverage include flood, fine arts, condominium, and business insurance. Its founders, Bill Beckham and Otto Foerster founded the agency in 2014. Bill has been in the industry since 1977, while Otto started in 2006.

License Verified:

License: W177131

Florida Division of Insurance Agent and Agency Services

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Just Insurance Brokers South Miami logo
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License Verified:

License: L101393

Florida Division of Insurance Agent and Agency Services

Just Insurance Brokers South Miami

5788 SW 40 Street, Miami, FL 33155
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  • Bundling Option

Business Description

Just Insurance Brokers South Miami is a family-owned and family-operated independent agency that serves clients in Miami and nearby areas. It offers auto insurance policies for personal and commercial vehicles. It also has plans for trucks, motorcycles, boats, and recreational vehicles. It assists with risk management solutions for long-term care, life, travel, property, and general business liability. The agency represents multiple insurance companies and is composed of multi-lingual agents. It has been in the industry for over 25 years.

License Verified:

License: L101393

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (14)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JV Insurance Agency logo
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JV Insurance Agency

10755 SW 104th St, Miami, FL 33176
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Business Description

JV Insurance Agency is an insurance broker in Miami, Florida, that sells auto insurance and other insurance products. Founded in 1973, the company provides both personal and commercial automobile insurance that includes coverage for liability involving personal injury or damage, collision coverage, and comprehensive coverage. Additionally, it provides insurance coverage for yachts, motorcycles, and recreational vehicles. JV Insurance Agency offers a variety of other insurance products for individuals, families, and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Leading Insurance Agency logo
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License Verified:

License: L095814

Florida Division of Insurance Agent and Agency Services

Leading Insurance Agency

1733 SW 22nd Street, Miami, FL 33145
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  • Multiple Carriers

Business Description

Leading Insurance Agency is an independent firm serving the individuals and families of Miami and the neighboring areas. Its agents represent an array of car insurance companies to suit the client's situation and protect their finances. It handles comprehensive and collision policies to cover the cost of damage caused by accidents. Its team also offers consultations to help car owners make informed decisions about their property. The company also provides life, home, and business policies.

License Verified:

License: L095814

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
LRB Insurance & Finance Solutions logo
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License Verified:

License: L057125

Florida Division of Insurance Agent and Agency Services

LRB Insurance & Finance Solutions

142 Beacom Blvd. Suite B, Miami, FL 33135
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  • Multiple Carriers

Business Description

LRB Insurance & Finance Solutions is an independent agency that serves the financial protection needs of vehicle owners in the Miami area. It provides auto insurance for different kinds of vehicles, including limousines, boats, motorcycles, and recreational vehicles. Its insurance agents assist clients in updating existing policies, filing auto accident claims, and processing declaration documents to lien holders. The company also offers commercial insurance plans for fleet vehicles, company cars, and trucks. The business provides 24/7 customer support.

License Verified:

License: L057125

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Miami Insurance Brokers logo
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Miami Insurance Brokers

18851 NE 29th Ave Ste 500, Aventura, FL 33180
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Business Description

Miami Insurance Brokers located is an independent insurance agency located in the Miami, Florida, metro area with over 30 years of experience helping drivers get the right amount of auto protection at a competitive rate. The company works with several top insurance carriers to provide bodily injury, property damage, and personal injury protection, and optional coverage for collision and comprehensive damages. Other insurance choices include boat, motorcycle, specialty auto, home, condominium, flood, life, and travel.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (307)
Facebook
5.0 / 5 (83)
Yelp
3.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Oscariz Insurance Group, Corp. logo
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License Verified:

License: L073584

Florida Division of Insurance Agent and Agency Services

Oscariz Insurance Group, Corp.

13860 SW 56 St, Miami, FL 33175
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  • Multiple Carriers

Business Description

Oscariz Insurance Group, Corp., offers automobile policies for motorists in Miami and the surrounding areas. These plans address personal injury liabilities arising from accidents caused by the policyholder and pay for the property damage to the victim. The team also delivers plans that cover residential properties and commercial assets. Oscariz Insurance Group is an independent agency that is free to select from varied providers without undue influence from any dominant player. Its partners include Progressive, UPC Insurance, and Scottsdale.

License Verified:

License: L073584

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (11)
Facebook
4.8 / 5 (8)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Popular Insurance logo
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License Verified:

License: R006217

Florida Division of Insurance Agent and Agency Services

Popular Insurance

12505 NW 7th Ave., Miami, FL 33168
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  • Multiple Carriers

Business Description

Popular Insurance has been helping the Miami community acquire insurance coverage plans for over 40 years. The independent agency offers personal and commercial automobile insurance to protect clients from unnecessary repairs resulting from unforeseen accidents, including theft, fire, collision, and wreckage. Its insurance advisors also offer homeowners', flood, and health insurance to individual clients. Bonds, commercial property, and builders' risk insurance are offered to commercial clients. Popular Insurance provides insurance plans tailored based on the clients' options and needs.

License Verified:

License: R006217

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
South Beach Insurance logo
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License Verified:

License: R004787

Florida Division of Insurance Agent and Agency Services

South Beach Insurance

710 W 51st St., Miami Beach, FL, FL 33140
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  • Multiple Carriers

Business Description

For more than 25 years, South Beach Insurance has been serving clients in Miami and the surrounding areas. It helps individuals and families avoid financial losses in the event of a car accident by providing them with auto insurance. The policy includes coverages such as property, medical, and liability. Programs for classic and high-end cars are also available. Additionally, South Beach Insurance works with multiple carriers to obtain the right windstorm, boat, flood, or homeowners' coverage that fits its customers' needs.

License Verified:

License: R004787

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Value Max Insurance logo
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License Verified:

License: A067704

Florida Division of Insurance Agent and Agency Services

Value Max Insurance

9786 SW 8th Street, Miami, FL 33174
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  • Multiple Carriers

Business Description

Value Max Insurance is a Miami-based agency that provides automotive coverage to consumers in the local community. Its agents understand the risk of owning an uninsured property, so they help customers pick the coverage plan that suits their needs. In addition, they offer homeowners', flood, and commercial insurance policies. They also cater to Spanish-speaking clients. Value Max Insurance has been in the industry for more than 20 years. The agency's principal, Luis Diaz, is a member of the FAIA and LAAIA.

License Verified:

License: A067704

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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