Personal Auto Insurance
We focus on your individual requirements and budget, helping you secure high-quality auto insurance at an affordable price.​
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With K&R Insurance, you’re always secure.
With K&R Insurance, finding the right auto insurance coverage has never been simpler. We focus on your individual needs and budget, helping you discover high-quality, affordable auto insurance options.
Expert Agent
Our knowledgeable agents provide tailored service, assisting you in finding the ideal car insurance rates that suit your financial needs.
Your Needs First
On a tight budget? Need to fulfill state minimum coverage requirements? Looking for comprehensive auto insurance? Request an online auto insurance quote or call our licensed agents at (305) 456- 7345
Types of Auto Insurance Coverage
Selecting the right auto insurance coverage is essential for safeguarding your financial well-being in the event of an accident. Inadequate coverage could leave you liable for costs associated with damage to your vehicle or someone else's property, as well as medical expenses for any injuries sustained. It’s crucial to understand that choosing the right coverage not only protects your finances but also provides peace of mind while driving, ensuring you have the necessary support during unexpected situations.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) is an essential coverage option for vehicle owners. According to Florida law, PIP insurance is required for cars with four or more wheels. In the event of an accident, PIP provides reimbursement for medical expenses and related costs, reducing the need for legal action.
Bodily Injury Liability Coverage
​Bodily Injury Liability Coverage protects you from legal claims arising from injuries you cause to others in a car accident. This coverage takes care of the injured party’s medical expenses, lost wages, and compensation for pain and suffering.
Property Damage Liability
Property Damage Liability Insurance is essential for protecting you from legal issues that arise from damaging someone else’s property while driving, including buildings, fences, telephone poles, and other vehicles. This coverage also extends to situations where you’re driving a vehicle that isn’t yours.
Comprehensive and Collision Insurance
​Comprehensive and Collision Insurance coverages protect your vehicle from a variety of damages. Collision coverage safeguards your car in case of an accident with another vehicle or object, while comprehensive coverage addresses losses from other incidents, such as theft, vandalism, or natural disasters.