Methods for Effectively Comparing North Miami Florida Auto Insurance Rates

If you are a novice to online auto insurance shopping, it’s easy to get confused by the vast number of companies vying for business in North Miami.

If you are insured now or are just looking to switch companies, you can use these tips to find better prices while maximizing coverage. Locating more affordable auto insurance in North Miami is simple if you know the tricks. Florida drivers just need to learn the proper way to compare rates online.

Do you qualify for discounts?

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Homeowners Discount – Owning a home in North Miami can save you money because owning a home requires personal responsibility.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that some credits don’t apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous.

To see a list of providers with the best auto insurance discounts in North Miami, click here to view.<img class="alignright" style="padding-top:15px" src="" alt="Florida car insurance prices” />

How to Compare Auto Insurance Quotes in North Miami, FL

Lowering your auto insurance rates is not a difficult process. All that’s required is to take a few minutes comparing price quotes from different insurance companies. This can be accomplished in several different ways.

One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do repetitive form submissions for every auto insurance company. A single, simple form will return quotes direct from many companies. This is by far the quickest method.

A less efficient way to shop for auto insurance online requires a trip to each individual company website and complete a new quote form. For example, we’ll pretend you want to compare Nationwide, Farmers and Progressive. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

For a handy list of car insurance company links in North Miami, click here.

The least efficient method to compare rates is to waste gas driving to and from local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the professional guidance only provided by licensed agents. It is possible to price shop online but buy from a local insurance agent.

It doesn’t matter which method you choose, just compare apples-to-apples coverage limits and deductibles on every quote you get. If your comparisons have differing limits it will be impossible to determine the lowest rate in North Miami.

Florida car insurance prices

Compare but don’t skimp

People who switch companies do it for a number of reasons such as high prices, an unsatisfactory settlement offer, denial of a claim or lack of trust in their agent. No matter why you want to switch, switching auto insurance companies is pretty easy and you might even save some money in the process.

Lower-priced auto insurance is available from both online companies and with local North Miami insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.