Prestige Insurance Group, Inc.

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Auto Insurance

Auto Insurance Quote Forms

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

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Insurance Information

Auto Insurance
FR44 Insurance

Auto Insurance - Miami & Orlando, FL

Also Serving Kendall, Doral, Coral Gables, Aventura & other areas in Florida

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

However, these are just minimum requirements. Additional coverage can protect you financially in the event of an accident, vehicle theft or a storm. Prestige Insurance Group, Inc. can help you find the right coverage for your needs at a rate that fits your budget. Request a quote today to get started.

What is Auto Insurance?
Auto insurance protects you against financial loss 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 to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do You Need Auto Insurance?
It's really all about protecting yourself financially.
  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to Ask Your Agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.
Additional Resources:
  • Travelers
  • Progressive
  • NFIP
  • Aflac
  • Chubb
  • Firemens Fund
  • Florida Blue
  • Foremost
  • Mercury
  • Mercury
  • MetLife
  • The Hartford
  • Prudential
  • Infinity
  • Chartis
  • National General
  • Hagerty
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