Auto Insurance Quotes in Pembroke Pines FL - [Mom Prepared] (2025)

Auto insurance is a necessary expense for many families, especially those with multiple vehicles and drivers of various ages. In Pembroke Pines, FL, the cost of auto insurance can vary depending on factors such as the type of coverage, driving history, and the number of vehicles insured. As a husband and wife raising children of different driving ages, finding affordable auto insurance quotes in Pembroke Pines, FL is a top priority.

Meet the Johnson family. John and Sarah Johnson have three children: Emily, who is 16 and just got her driver’s license, Michael, who is 18 and in college, and David, who is 20 and working full-time. The Johnsons also have four vehicles: a minivan for family trips, a sedan for Sarah’s daily commute, a sports car for John’s weekend drives, and a truck for David’s construction job.

Each vehicle has different insurance needs and coverage requirements. The minivan, used for family outings and school runs, requires comprehensive coverage to protect against theft and damage. The sedan, driven by Sarah to work every day, needs liability coverage to cover medical expenses and property damage in case of an accident. The sports car, John’s pride and joy, requires collision coverage to pay for repairs in case of a crash. The truck, used by David for work purposes, needs commercial auto insurance to protect against liability claims.

The Johnsons pay varying monthly premiums for each vehicle based on the coverage they have chosen. The minivan costs $150 per month for comprehensive coverage, the sedan costs $100 per month for liability coverage, the sports car costs $200 per month for collision coverage, and the truck costs $250 per month for commercial auto insurance. In total, the Johnsons spend $700 per month on auto insurance for their four vehicles.

Unfortunately, the Johnson family has had their fair share of driving infractions over the years. Emily, the newest driver in the family, was caught speeding and received a ticket that raised her insurance rates by 20%. Michael, who is away at college, was involved in a minor fender bender that increased his rates by 15%. David, the oldest sibling, was arrested for driving under the influence and saw his rates skyrocket by 50%. John, the patriarch of the family, was caught texting and driving, resulting in a 10% increase in his insurance premiums. These driving infractions serve as a reminder of the importance of safe driving habits and the impact they can have on auto insurance rates.

As the Johnsons navigate the world of auto insurance in Pembroke Pines, FL, they have encountered several common questions that are important to consider when purchasing coverage. Here are 12 frequently asked questions about auto insurance in Pembroke Pines, FL, along with the answers to help guide families like the Johnsons in making informed decisions.

1. What types of coverage are required in Pembroke Pines, FL?

In Pembroke Pines, FL, drivers are required to carry a minimum of liability insurance to cover medical expenses and property damage in case of an accident. Additional coverage options, such as comprehensive and collision, are recommended for added protection.

2. How is the cost of auto insurance determined in Pembroke Pines, FL?

The cost of auto insurance in Pembroke Pines, FL is determined by factors such as the driver’s age, driving history, type of vehicle, and coverage choices. Drivers with clean records and low-risk vehicles typically pay lower premiums.

3. Can I get a discount on auto insurance for having multiple vehicles insured?

Yes, many insurance companies offer discounts for insuring multiple vehicles on the same policy. Bundling policies can help save money on premiums.

4. Are there any discounts available for safe driving habits?

Some insurance companies offer discounts for safe driving habits, such as completing a defensive driving course or installing a telematics device in your vehicle to monitor your driving behavior.

5. How does my credit score affect my auto insurance rates in Pembroke Pines, FL?

In Pembroke Pines, FL, insurance companies may use credit scores as a factor in determining auto insurance rates. Maintaining a good credit score can help lower your premiums.

6. What should I do if I am involved in an accident in Pembroke Pines, FL?

If you are involved in an accident in Pembroke Pines, FL, it is important to exchange insurance information with the other driver and report the incident to your insurance company as soon as possible. Your insurer will guide you through the claims process and help you get back on the road.

7. Can I add my teenage driver to my auto insurance policy in Pembroke Pines, FL?

Yes, you can add your teenage driver to your auto insurance policy in Pembroke Pines, FL. However, young drivers typically have higher premiums due to their lack of experience and higher risk of accidents.

8. What is the minimum coverage required for uninsured/underinsured motorist protection in Pembroke Pines, FL?

In Pembroke Pines, FL, drivers are required to carry uninsured/underinsured motorist protection to cover expenses in case of an accident with a driver who does not have insurance or enough coverage to pay for damages.

9. How can I lower my auto insurance rates in Pembroke Pines, FL?

There are several ways to lower your auto insurance rates in Pembroke Pines, FL, including bundling policies, maintaining a clean driving record, and taking advantage of available discounts.

10. What factors can cause my auto insurance rates to increase in Pembroke Pines, FL?

Factors such as moving violations, at-fault accidents, and changes in credit score can cause your auto insurance rates to increase in Pembroke Pines, FL. It is important to drive safely and maintain good credit to avoid rate hikes.

11. Can I change my auto insurance coverage mid-policy in Pembroke Pines, FL?

Yes, you can change your auto insurance coverage mid-policy in Pembroke Pines, FL. It is important to review your coverage regularly and make adjustments as needed to ensure you have adequate protection.

12. How can I find affordable auto insurance quotes in Pembroke Pines, FL?

To find affordable auto insurance quotes in Pembroke Pines, FL, it is recommended to compare rates from multiple insurance companies, take advantage of discounts, and work with an experienced agent who can help you find the best coverage for your needs.