Del Toro Insurance in Miami, Florida with Reviews -
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By: Michelle K.
Super Insurance Services Inc
I have been having an impossible time trying to find someone who could help me understand this insurance marketplace after my insurance company dropped my plan. i literally called 5 different companies and spoke w several different ppl who gave me incorrect or insufficient information. Finally I ended up using google to do my own research and found the company phone numbers to the individual health insurances offered on the market place. I called them all but the only one who seemed interested in helping me was this man named Keith from Molina healthcare. Keith sent my info to some brokers in the area that were supposed to get back to me and never did. I called keith back a few weeks later to let him know and he was so devastated he said he would make it his first priority to find me a broker who would take the matter seriously. The next day he referred two different brokers. I called the first one and got an agent named Danny Delgado. I could tell from the first 4 sentences that he was the first agent Ive talked to that is fully knowledgeable on all this new healthcare marketplace stuff. He explained in laymens terms all the different health care options and how each differentiated from the others. I honestly feel 100 percent more educated on the subject myself after speaking with him. He helped me choose the most appropriate plan for me and was not focused on trying to get me to spend as much as possible in fact he found me the cheapest plan ive seen so far. I usually dont go out of my way to write long reviews unless im really disappointed in something I will give credit where it is due and but Keith (of Molina Healthcare) and Danny (of Super Insurance) need to be recognized for being 2 of the few that take their job seriously now adays. I applaud you both.
By: Jennifer P.
MSN Insurance Brokers
The ladies at MSN insurance brokers in south Florida were the best in getting me an amazing deal with my homeowners insurance! I have used them 3 times in setting up my garage liability insurance policy for my dealership as well as my auto policy and now again they struck again when they lowered my homeowners annual rate! I entered their office almost in tears and I left so very grateful to have received such stellar customer service. Nancy over there and Sonia are just the dynamic duo as well as all the other employees. Can't say enough great things! THANKS LADIES!
By: jploving
Maria Elena Cisneros - State Farm Insurance Agent
This State Farm office is the Insurance office where I've had my best experience. First they greet you properly as you come in, they take care of you like a member of their family, they always are willing to help and go out of their way to help you with all of your insurance needs and any questions you may have. I have been with them for 20 years now and they insure all of our vehicles. I highly recommend them, I am sure that you will be pleased with their services as well. Trust me you won't regret it. Jesus (Miami, Florida)
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By: Marta M.
MSN Insurance Brokers
I wanted to thank the owner and staff at MSN Insurance Brokers LLC. I was working with a few companies in obtaining quotes for my insurance needs (homeowners, car, commercial) and it was unbelievable how hard it is today to find the person to person care I found in MSN Insurance. They quickly took care of my needs and as of today every time I have an insurance situation arise, they are there to help me out in a very professional and quick manner. Again, Thank you MSN for providing the best quote out there and your services.
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By: Tiffany M.
Aventura Tag Agency
Honestly have had an amazing customer service experience! This is the only company I have worked with that will answer my calls, emails, etc. at any time of the day. The whole staff gets along well, which makes the whole process a lot easier. I seriously do not understand how there are bad reviews about this company. Try it for yourself, you won't regret it and you'll have everything in no time! My family and I have multiple custom tags (GO NOLES) through them on top of all the other work they do!
By: Trese m H.
Latimer Insurance Agency
The service at Latimer Insurance Agency is Excellent!! Mr. Otto Latimer is very knowledgeable when it comes to insurance. He is also great is doing taxes. He has been doing my taxes for many years until I moved to Georgia. I have recommended this business to many people and so far they are quite satisfied. I stop in ever so often when I'm in Miami to say "Hi". Otto is still the great guy I've come to know. Great job Otto!!!
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By: Jose P.
Estrella Insurance
The attention has been personal, dedicated and thorough at all moments, the girls at the office are lovely and make you feel really appreciated, and above all, the service is superb and the prices terrific.La atencion ha sido personal, dedicada y completa en todo momento. Las muchachas de la oficina son muy amables y te hacen sentir realmente apreciado y por sobre todas las cosas, el sevicio y el precio son inmejorables.
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By: Ivan V.
Estrella Insurance # 167
Estrella insurance brokerage branch 167 with Mr. Fundraising as the manager, offer a great customer service. Barbara took good care of me during my last interaction in my search of a more affordable car insurance. She worked deligently and very professional, and kept constant communication until we arrived to a final decision. I will recommend them for your insurance needs. Thanks Fundora, Theresa and Barbara!
By: Tony D.
Peoples Insurance Claims Center
I filed a claim directly with the insurance company and was underpaid. A friend recommended I call a public adjuster to ask for advice and so she gave me PICC's number. They re-opened my claim and the insurance company ended up paying double the amount I originally received. I was able to complete the repairs in my kitchen and couldn't believe I almost didn't do anything about the little amount I had received.
By: Victor G.
Pardo Public Adjusters ( LLamen A Pardo )
My air conditioner started leaking and lifted my wood floors. I called my insurance company and they sent me a check for $5000. The materials alone were over $10000 not including labor. I heard Pardo's commercial and decided to give them a chance. At the end Pardo got my over $40,000 and it went very smooth. Great company!!! I recommend using them with anything to do with your home.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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