Leo will screen whether you already have coverage, open Canopy Connect when it helps, collect the rest of the intake, and prepare your quote request for Bell & Lyons.
Auto quote specialist
Start in the Bell & Lyons chat and answer a few questions about your vehicle, drivers, current coverage, and the protection you want to compare.
We help organize the quote flow around liability, deductibles, uninsured motorist, GAP, and the coverage options that actually matter for your situation.
Use the website to continue the quote flow without waiting on callbacks. The process stays simple, guided, and focused on the coverage you need.
Click each hotspot to see what the coverage does, what risk it addresses, and why it may matter for your quote.
If a pedestrian, passenger, or other driver is injured in an accident you cause, the medical and legal exposure can become severe very quickly.
Bodily injury liability helps pay covered injury-related costs you cause to other people, which is why it sits at the center of an auto policy.
Your vehicle can be damaged in crashes with other cars, walls, poles, parking structures, or road objects.
Collision coverage helps repair or replace your vehicle after a covered impact, even when the damage is to your own car.
Theft, vandalism, fire, flood, falling objects, and storm damage can happen even when the car is parked.
Comprehensive coverage protects against major non-collision losses that would otherwise come directly out of pocket.
Not every driver on the road carries enough insurance, and some carry none at all.
Uninsured and underinsured motorist coverage helps protect you if another driver causes the loss but cannot fully pay for it.
If a financed or leased vehicle is declared a total loss, the insurance settlement may be lower than the remaining loan or lease balance.
GAP insurance helps cover the difference between the vehicle's actual cash value and what is still owed, which can prevent a large balance from falling back on the driver.
Miami is one of the most expensive places in the country to insure a car, and the reasons are specific: dense traffic, a high share of uninsured drivers, staged-accident activity, and hurricane and flood exposure that damages parked vehicles. A rate that looked fine two years ago is often no longer competitive. Shopping it across carriers is usually worth more than any single discount.
Under Florida's No-Fault Law, every vehicle registered in the state must carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP pays 80% of necessary and reasonable medical expenses up to that $10,000 limit, regardless of who caused the crash.
Here is the part most drivers do not realize: Florida does not require ordinary drivers to carry Bodily Injury Liability. A driver can be completely legal and still have nothing available to pay for injuries they cause you. Ten thousand dollars also does not go far against a real hospital bill. These are minimums for registration, not limits that reflect what an accident in Miami actually costs.
Uninsured and underinsured motorist. Given how many uninsured drivers are on the road here, and that legal drivers may carry no bodily injury coverage at all, this is what protects you from someone else's decision. It is typically inexpensive relative to what it does.
Your home or flood policy does not cover your vehicle. Comprehensive auto coverage is what responds to a flooded or storm-damaged car. Every hurricane season we get calls from people who assumed the opposite.
Bundling home or renters with auto (see how an auto and renters bundle is priced), adjusting deductibles where it makes sense, telematics and safe-driver programs, paid-in-full and paperless discounts, and dropping coverage you no longer need on an older vehicle. Which of these actually helps depends on your carrier, which is exactly why an independent broker is useful.
Get an auto insurance quote in Miami
We are an independent broker in North Bay Village. We compare your rate across multiple Florida carriers instead of quoting a single company.
See how much you could save with Bell & Lyons
