Florida First Insurance of Broward — Home 877-FL-INS-ME

Miramar Auto & Car Insurance

Miramar is one of west Broward's fastest-growing cities, and most households here are built around the commute on the Palmetto, I-75, and Miramar Parkway. Those miles, plus Broward's uninsured-driver rate, keep premiums up. We compare your Miramar auto insurance across more than a dozen carriers, set your Florida PIP, liability, and uninsured-motorist limits to match your real exposure, and apply every discount you qualify for.

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Long commutes mean more annual mileage, which most carriers factor into your rate. We compare companies that price commuter mileage differently so a Miramar driver is not overpaying for time on the road.

Florida's $10,000 PIP and $10,000 property damage minimums will not cover a serious crash. We usually recommend bodily injury and uninsured-motorist coverage and show you the price difference before you decide.

What Does Car & Auto Insurance Cover?

  • Personal Injury Protection (PIP) — Covers medical expenses and lost wages regardless of fault. Required by Florida law ($10,000 minimum).
  • Property Damage Liability (PDL) — Pays for damage you cause to other people's property. Required in Florida ($10,000 minimum).
  • Bodily Injury Liability (BIL) — Covers injuries to others when you're at fault. Strongly recommended even though not always required.
  • Collision & Comprehensive — Collision covers damage from accidents; comprehensive covers theft, vandalism, weather, and animal strikes.

Miramar Auto Insurance — FAQ

Common questions from Miramar clients.

How much is car insurance in Miramar?

Miramar rates track Broward County, which runs above the state average. Long commutes and the county's uninsured-driver rate are the main drivers. Comparing carriers usually lowers the cost for local households.

What auto coverage is required in Florida?

Florida requires $10,000 PIP and $10,000 property damage liability. We recommend adding bodily injury and uninsured-motorist coverage for commuters who spend significant time on I-75 and the Palmetto.

Can I save by insuring more than one car?

Yes. Multi-car policies usually cost less per vehicle, and bundling with home or renters adds another discount. We quote it across carriers for the best combined rate.

Which areas around Miramar do you serve?

We write auto insurance throughout Miramar and west Broward, including the Miramar Parkway, I-75, and Palmetto corridors and neighboring Pembroke Pines.

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