Prestige Insurance

Prestige Insurance

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Phone: (305) 969-8776


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Car insurance - Miami and Orlando, FL

We also serve Kendall, Doral, Coral Gables, Adventure and other areas in Florida

If you plan to go on the road in Florida, you will need auto insurance coverage. The Florida Department of Motor Vehicles requires that all drivers who register their vehicles at The Sunshine State each maintain at least $ 10,000 of coverage for Personal Injury Protection (PIP) and Property Damage Liability (PDL).

However, these are only the minimum requirements. Additional coverage can protect you financially in case of accident, vehicle theft or storm. Insurance Prestige Insurance can help you find the right coverage according to your needs with the best rates that fit your budget. Request a quote today to get started.

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Forms for Auto Insurance Quotes

Looking for coverage? Click on any of the following links to submit a quote for fast, accurate and affordable rates.

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Customer service options for car insurance:

Use our auto service options at any time of the day, directly from our website. To request changes to your policy in your account, click on any of the following options below:

  • Add driver to an existing car policy
  • Add vehicle to an existing car policy
  • Remove driver to an existing car policy
  • Remove vehicle an existing car policy
  • Request statement and coverage page for auto policies
  • Request identification card for a car policy​​​​​​​

Send information of the declaration and the coverage to the holder.

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Why do you need car insurance?

It's really about protecting yourself financially:

  • If you are in an accident or your car is stolen, it costs money, often a lot of money, to repair or replace it.
  • If you or any passenger is injured in an accident, medical costs can be extremely high.
  • If you or your car are responsible for damage or injury to other people, you can be sued for much more than it is worth.

Not only is insurance a prudent financial decision, many states require that you have at least some coverage.

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What is car insurance?

Car insurance protects you against financial losses if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage or theft of your car.
  • Liability coverage pays your legal liability to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treatment of injuries, rehabilitation and, sometimes, lost wages and funeral expenses.

A car insurance policy is made up of six different types of coverage. Most states require that you buy some of these coverages, but not all. If you are financing a car, your lender may also have requirements.

Most car policies are for six months or one year. Your insurance company must notify you by mail when it is time to renew the policy and pay your premium.

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Questions to ask your insurance agent

Your independent insurance agent is an advisor who helps you find car insurance that meets your specific needs. Here are some things to consider when preparing for counseling:

  • How much should you pay if you suffer an accident? (To keep the premium low, you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the level of service and the ability of the insurance company to pay claims made?
  • What discounts are available? (Ask for good driver, multiple policy and student discounts).
  • What is the procedure to file and resolve a claim? (Ask who to call and what happens after submitting a claim.

Frequent Questions

Auto Insurance Information