Auto Insurance | Covera Insurance Miami

Coverage Options

Comprehensive Auto Insurance Coverage

Choose the protection that fits your needs and budget

Collision Coverage

Covers damage to your vehicle from accidents, regardless of fault. Protects your investment when you need it most.

Accident damage repair
Hit-and-run incidents
Single-car accidents
Damage from potholes

Comprehensive Coverage

Protection against theft, vandalism, natural disasters, and other non-collision incidents. Complete peace of mind.

Theft protection
Weather damage
Vandalism coverage
Animal collisions
Fire damage
Falling objects

Liability Coverage

Required by Florida law. Covers bodily injury and property damage you cause to others in an accident.

Bodily injury liability
Property damage liability
Legal defense costs
Medical payments

Uninsured Motorist

Protects you if you're hit by a driver with no insurance or insufficient coverage. Essential protection in Florida.

Uninsured driver coverage
Underinsured motorist
Hit-and-run protection

Medical Payments

Covers medical expenses for you and your passengers after an accident, regardless of who's at fault.

Hospital bills
Surgery costs
Rehabilitation
Funeral expenses

Roadside Assistance

24/7 emergency help when you need it. Never be stranded on the road again.

Towing service
Flat tire changes
Jump starts
Lockout service

Why Covera Insurance

Miami's Most Trusted Auto Insurance Provider

For over 15 years, we've been protecting drivers throughout Miami and Florida with affordable, comprehensive coverage and exceptional service.

Competitive Rates

We shop multiple carriers to find you the best price. Save up to 40% on your auto insurance.

24/7 Support

Round-the-clock claims support and customer service. We're here whenever you need us.

Flexible Payment Plans

Monthly, quarterly, or annual payments. No hidden fees or surprise charges.

Easy Digital Management

Access your policy, file claims, and make payments from anywhere with our mobile app.

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FAQ

Frequently Asked Questions

Everything you need to know about auto insurance

What auto insurance is required in Florida?

Florida requires minimum coverage of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, we recommend higher limits for better protection.

How can I lower my auto insurance rates?

You can lower your rates by maintaining a good driving record, bundling policies, taking defensive driving courses, installing anti-theft devices, and asking about all available discounts.

What factors affect my insurance premium?

Your premium is based on factors including your driving history, age, location, vehicle type, coverage levels, credit score, and annual mileage. We help you optimize these factors for the best rates.

Do I need comprehensive and collision coverage?

While not required by law, comprehensive and collision coverage protects your vehicle from damage. If you have a car loan or lease, it's usually required. We recommend it for newer vehicles.

How quickly can I get coverage?

You can get same-day coverage! Once approved, your policy can start immediately. We'll send you proof of insurance via email within minutes.

What is uninsured motorist coverage?

This coverage protects you if you're in an accident with a driver who has no insurance or insufficient coverage. It's highly recommended in Florida where many drivers are uninsured.

Can I change my coverage limits?

Yes! You can adjust your coverage limits at any time. Contact us and we'll help you modify your policy to better fit your needs and budget.

What should I do after an accident?

First, ensure everyone's safety and call 911 if needed. Then exchange information with other drivers, take photos, and contact us immediately to file a claim. We're available 24/7 to help you.

Protect Your Vehicle with Comprehensive Auto Insurance