Miami Auto Insurance For Less Than You’re Paying Now

Shopping for affordable Miami auto insurance over the internet may be somewhat difficult for beginners to online price comaprisons. Since there are so many companies competing online, how can anyone effectively compare every company to locate the best pricing?

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. A few discounts will automatically apply when you get a quote, but a few must be specifically requested prior to getting the savings.

• Accident Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
• Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
• Safe Driver Discount – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
• Homeowners Savings – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
• Paperwork-free – Certain companies give back up to $50 just for signing your application on their website.
• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
• Passive Restraints – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
• Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
• College Student – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

Drivers should understand that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, it just doesn’t work that way. But all discounts will cut your overall premium however.

For a list of companies offering auto insurance discounts in Miami, click here.

Car insurance is unique, just like you

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

• Can I rate high risk drivers on liability-only vehicles?
• How much liability coverage do I need in Florida?
• Do I have coverage when making deliveries for my home business?
• Is my vehicle covered by my employer’s policy when using it for work?
• Does my personal policy cover me when driving my company car?
• When would I need rental car insurance?
• How much liability do I need to cover my assets?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

To learn even more about auto insurance

Much more information about auto insurance in Florida is available on the Florida Office of Insurance Regulation website found here. Consumers can find disaster information, discover disciplinary actions, file complaints about a company, and learn about specific coverages.

Also read more on this site for auto insurance rates in Florida and this link where you can make Miami auto insurance comparisons.

Quote often and quote early

When you buy insurance online, do not skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice physical damage coverage only to regret they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price.

Affordable auto insurance is attainable from both online companies in addition to many Miami insurance agents, and you need to price shop both to have the best selection. Some companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

Insureds switch companies for any number of reasons including being labeled a high risk driver, questionable increases in premium, high rates after DUI convictions or lack of trust in their agent. Regardless of your reason, choosing a new company can be less work than you think.