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Del Toro Insurance
July Del Toro Insurance linkedin

Another of our best managers leaves the corporate world behind and takes a new step in her career path now as a business owner. Welcome to the Del Toro family.

July Del Toro Insurance linkedin

One of our best managers leaves the corporation world behind and takes a new step in her career path now as a business owner. Welcome to the Del Toro Family.

July Del Toro Insurance linkedin

We are proud to see how this family has chosen to join our Distinctive Franchise System as a life project. We're here to support you every step of the way to success. Welcome to the Del Toro Insurance Family.

July Del Toro Insurance linkedin

One of our Managers at Del Toro Insurance has just joined to our Distinctive Franchise System becoming in the owner of her own business !!! Congratulations on this great partnership!!.

July Del Toro Insurance linkedin

A Friday 12th of wonderful news!! A new franchisee joined our Distinctive Franchise System. The Chilean Community Welcome to the Del Toro family!.

July Del Toro Insurance linkedin

On the eve of July 4, what better news than continuing to expand our Distinctive Franchise System in West Palm Beach. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Second new franchisee of this blessed Tuesday, join our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Another new franchisee has joined right now to our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Just a few minutes ago, a new franchisee joined our Distinctive Franchise System. The Ecuadorian community welcomes the Del Toro family.

June Del Toro Insurance linkedin

The family continues to grow, minutes ago other new franchisees have just joined our Distinctive Franchise System. Welcome to Del Toro family.

June Del Toro Insurance linkedin

Today, as part of our participation in the Annual Convention of the Florida Association of Insurance Agents (FAIA) held in Orlando, Del Toro Insurance held a seminar this morning to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.

May Del Toro Insurance linkedin

Taking a big step and adding new services, two entrepreneurial businesswomen join our family. Welcome Gordon & Oropeza to Del Toro Insurance family.

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Del Toro Insurance

Fomentando el camino hacia la industria de los seguros

América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.

Annual Convention of the FAIA
June, 2024

Del Toro Insurance 25th Anniversary

Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.

Car Insurance Cost Miami Florida

Tips for Reducing Car Insurance Costs in Miami Without Sacrificing Coverage

Dec 29, 2023

Drivers in and around the Miami area and across the state are required by law to have vehicle insurance. In addition to car insurance, car owners must always have their current proof of insurance with them when they are operating the vehicle. The insurance must be up to date and current, and expired insurance cards do not meet the legal requirements and will result in penalties and fines.

In addition, Florida residents must have PIP or Personal Injury Protection as well as PDL or Property Damage Liability to register a vehicle and maintain policy coverage. The insurance must be from a licensed insurance carrier in the state, which is where the team at Del Toro Insurance can help you ensure you have the coverage you need to stay within the law.

What are the Main Factors that Contribute to High Car Insurance Costs in Miami?

There are several factors that can increase the cost of car insurance in Miami, FL. In general, the age, make, and model of the vehicle you drive are the biggest contributing factors. Luxury vehicles or vehicles more likely to be stolen are considered at higher risk for car insurance coverage. The insurance for an electric or hybrid vehicle in Florida is also higher than a standard engine, but the cost savings over time may outweigh the slightly higher premiums.

Another factor that drives up car insurance premiums is your driving record. The more accidents and traffic infractions you have on your record, the higher your premiums. Young drivers, or even older people who have not previously had car insurance, can also expect to pay higher premiums.

The use of the vehicle is another consideration for car insurance companies. Individuals who drive their car more are considered a higher risk than those who use the vehicle infrequently. Where you live and store your vehicle also has an impact as some areas of the city are at greater risk for vehicle theft and vandalism.

While these are all issues that impact your premium, the choices in your policy coverage are often the critical factor in getting the best auto insurance rates. Choosing the right deductible and options can help reduce your premium without sacrificing your coverage if you are in an accident.

What are Some Effective Ways to Lower My Car Insurance Premiums Without Reducing Coverage?

If you are interested in lowering your Florida auto insurance rates in 2023 and 2024, there are some practical steps you can take.

One of the most effective ways is to consider bundling your auto, home, and other insurance. Bundling provides discounts that are not available with just auto insurance coverage.

The insurance agents at Del Toro Insurance can help you compare different auto insurance policies to find the best prices for the coverage and deductibles that work for your budget. Different policies may also have various options that can be added to enhance coverage with a limited premium increase.

Reducing the amount you drive your vehicle, choosing a higher deductible, and ensuring your driving and credit record are in good shape will also help reduce premiums.

Here are ten safe driving tips in Florida to help reduce premiums:

  1. Drive the speed limit at all times.
  2. Avoid distractions when driving, including texting, changing music, talking on the phone, or looking away from the road.
  3. Wear glasses if required, and never drive without prescription glasses. Wear sunglasses to cut down on glare that creates visibility problems.
  4. Check and adjust your mirrors, including side mirrors and rearview mirrors, every time you get in the vehicle.
  5. Pull over and stop if you feel tired.
  6. Drive with your headlights on at all times for increased visibility.
  7. Always wear a seatbelt and require all passengers in the vehicle to have their seatbelts on.
  8. Avoid relying on adaptive cruise control and pay attention to the road at all times, being prepared to brake manually if necessary.
  9. Pay attention in heavy traffic and leave additional space between your vehicle and the vehicle in front.
  10. Change your speed based on the driving conditions. In times of poor visibility, rain, or high winds, reduce your speed or pull off the road.

Are There Any Special Considerations for Insuring a Car in Miami, Such as Flood or Hurricane Coverage?

One of the best ways to protect your vehicle in Maimi is to have comprehensive coverage. This will cover your vehicle in the event of a hurricane or the associated flood damage. This coverage also covers hail damage or damage from tree limbs or debris in windstorms, which is important to consider.

Can Installing Safety Features or Anti-Theft Devices in My Car Help Lower My Insurance Costs?

If you live in Hialeah Gardens, Margate, Homestead, Palmetto Bay, Cutler Bay, North Miami Beach, Coral Gables, Hialeah, Naples, and Miami FL, installing anti-theft devices and safety features can help to reduce your vehicle insurance premiums.

The team at Del Toro Insurance can review these features and options at the time you are considering a car insurance policy. Anti-theft devices, including car alarms, GPS tracking systems, and immobilizers, can provide a long-term savings on car insurance.

Tech systems that help prevent accidents, such as lane-departure warnings, adaptive headlights, proximity warnings, adaptive cruise control, forward collision warning, electronic stability control, lane-keeping assist, and backup cameras, help to reduce the risk of accidents, which can reduce the insurance premium.

To find out how to reduce your vehicle’s insurance, speak to an insurance agent at Del Toro Insurance. Call us at (305) 335-8676 or drop into any of our office locations in and around the Miami, FL, area for personal support and assistance.

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