I’m Clifford Schimek, owner of Florida Auto Plus Insurance. An independent auto insurance company serving Miami-Dade and all of Florida.
I’m Clifford Schimek, owner of Florida Auto Plus Insurance — an independent auto insurance company serving Miami-Dade County and all of Florida.
I’ve helped Florida drivers secure affordable, reliable coverage. Including Florida FR-44 filings after a DUI. I compare real quotes from Progressive, Bristol West, National General, GEICO, and Kemper so you can choose the policy that fits your needs and budget.
Miami driving is unique. I-95 congestion, the Palmetto and Dolphin expressways. I factor in ZIP code, commute routes, vehicle type, and driver history so your rate reflects how you actually drive.
Florida allows drivers to be licensed at just 16, which means there are thousands of youthful operators learning to navigate the same roads as exotic sports cars worth more than some homes. Combine that with constant construction and GPS apps arguing in three directions, and it’s no wonder Miami insurance rates run high.
That diversity is part of what makes Miami great, but it also raises the risk. With so many different driving styles, languages, and vehicles on the road, accidents happen more often
Unlike most states, Florida doesn’t require bodily injury liability unless you’ve had specific violations, but that’s risky in a city like Miami.
That’s why it’s crucial to know the difference between meeting the legal minimum and being properly covered. The lowest policy may satisfy the law, but it won’t protect you from medical bills, lawsuits, or high-value claims.
As an independent agent, I help drivers strike that balance — choosing smart coverage that fits the reality of Florida’s roads, not just the statute book.
Miami, Miami Beach, Brickell, Downtown, Wynwood, Little Havana, Coral Gables, Coconut Grove, Key Biscayne, Doral, Hialeah, Miami Lakes, Aventura, North Miami/Beach, Kendall, Westchester, Sweetwater, Homestead, and surrounding areas.
Whether you’re commuting to Brickell, running a family schedule in Kendall, ridesharing along Collins Ave., or splitting time between the mainland and the beaches, I’ll make the process clear, quick, and personal.
The key is comparing quotes from multiple Florida carriers, not just one.
That’s what I do for every client. I search across top insurers statewide to find preferred auto insurance quotes that match your risk, your vehicle, and your lifestyle. I know Miami zip codes, parking realities, and the specific carriers that treat South Florida drivers fairly.
Miami’s roads might be wild, but your insurance doesn’t have to be. Every driver faces risk here, but with the right policy, those risks stay manageable.
I’ll help you protect what matters: your car, your license, and your wallet, while keeping you legal, covered, and confident on Miami’s roads.
