It’s safe to assume that auto insurance companies don’t want their customers to go rate shopping. Insureds who compare rates once a year are inclined to switch insurance companies because the odds are good of finding discount prices. A recent survey found that consumers who did price comparisons regularly saved approximately $70 a month as compared to drivers who never compared prices.
If finding the best price on car insurance in Miami is why you’re here, then having a grasp of how to get price quotes and compare insurance can help simplify the task of finding more affordable coverage.
The best way to get budget auto insurance rates in Miami is to regularly compare price quotes from insurance carriers who provide car insurance in Florida. Rate comparisons can be done by following these steps.
Step 1: Get an understanding of what coverages are included in your policy and the modifications you can make to keep rates down. Many factors that cause high rates like distracted driving and a poor credit rating can be amended by paying attention to minor details.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of companies.
Step 3: Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no lapse in coverage.
An essential thing to point out is to make sure you enter similar deductibles and liability limits on every price quote and to quote with as many car insurance companies as possible. Doing this enables an accurate price comparison and a better comparison of the market.
Finding and comparing the lowest-priced car insurance coverage in Miami is not as hard as you think. Virtually every vehicle owner who wants cheaper car insurance will more than likely be able to reduce their rates. But Florida drivers do need to learn the methods companies use to determine how much to charge because rates fluctuate considerably.
Auto insurance providers offering affordable rates in Florida
The auto insurance companies shown below can provide free quotes in Florida. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.
Chevy City Express insurance coverage information
The price information displayed below highlights different coverage costs for Chevy City Express models. Being able to understand how insurance rates are established can help you make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$136||$238||$400||$24||$120||$918||$77|
|City Express Cargo 1500 2WD||$136||$290||$400||$24||$120||$970||$81|
|City Express Cargo 3500 2WD||$156||$290||$400||$24||$120||$990||$83|
|City Express 2500 LT 2WD||$156||$290||$400||$24||$120||$990||$83|
|City Express 2500 2WD||$156||$290||$400||$24||$120||$990||$83|
|City Express 2500 LS 2WD||$156||$290||$400||$24||$120||$990||$83|
|City Express 3500 2WD||$156||$290||$400||$24||$120||$990||$83|
|City Express Cargo 1500 AWD||$156||$290||$400||$24||$120||$990||$83|
|City Express 1500 LS 2WD||$156||$290||$400||$24||$120||$990||$83|
|City Express 1500 LS AWD||$156||$342||$400||$24||$120||$1,042||$87|
|City Express 1500 AWD||$156||$342||$400||$24||$120||$1,042||$87|
|City Express 1500 LT 2WD||$156||$342||$400||$24||$120||$1,042||$87|
|City Express Cargo 1500 Turbo Diesel 2WD||$156||$342||$400||$24||$120||$1,042||$87|
|City Express Cargo 2500 Turbo Diesel 2WD||$176||$342||$400||$24||$120||$1,062||$89|
|City Express 3500 LT 2WD||$176||$342||$400||$24||$120||$1,062||$89|
|City Express 3500 LS 2WD||$176||$342||$400||$24||$120||$1,062||$89|
|City Express 3500 2WD||$176||$342||$400||$24||$120||$1,062||$89|
|City Express 1500 LT AWD||$176||$342||$400||$24||$120||$1,062||$89|
|City Express Cargo 3500 Turbo Diesel 2WD||$176||$342||$400||$24||$120||$1,062||$89|
|City Express Cargo 1500 Turbo Diesel AWD||$176||$342||$400||$24||$120||$1,062||$89|
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price information does not factor in specific location which can impact auto insurance rates noticeably.
The diagram below demonstrates how deductible levels and can influence Chevy City Express yearly insurance costs for different categories of driver ages. The costs are based on a single male driver, comp and collision included, and no discounts are applied.
Chevrolet City Express liability rates compared to full coverage
The diagram below shows the comparison of Chevy City Express insurance costs with liability coverage only compared to full coverage. Data assumes no accidents, no driving violations, $250 deductibles, single marital status, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no exact formula to stop buying physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Chevy City Express replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where eliminating full coverage is not a good plan. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Cut Insurance Costs with These Tips
Lots of factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other criteria are less obvious such as whether you are married or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that help calculate your policy premiums. If you have some idea of what determines base rates, this enables informed choices that could result in better insurance rates.
The following are some of the most rate-impacting factors used by your company to calculate rates.
Gender and insurance coverage premiums – Statistics have proven females are less aggressive when driving. It does not mean women are BETTER drivers than men. Women and men get in fender benders at about the same rate, but men tend to have higher claims. Men also tend to receive more costly citations such as DWI and reckless driving.
The illustration below shows the comparison of Chevy City Express premium costs for male and female drivers. The information is based on no violations or claims, comp and collision included, $100 deductibles, marital status is single, and no discounts are taken into consideration.
High comp and collision deductibles reduce rates – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some coverage claims would be collision with another vehicle, collision with an animal, and damage from a fallen tree branch. Physical damage deductibles tell how much the insured will be required to pay if a claim is determined to be covered. The higher the amount you’re willing to pay, the lower your rates will be.
Experienced drivers are lower risk – Older people are proven to be safer behind the wheel, are lower risk to insure, and are generally more financially stable. Youthful drivers are statistically proven to be less responsible behind the wheel therefore insurance rates are much higher.
The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Save money by eliminating incidental coverages – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Coverages for coverage for rental cars, accidental death, and term life insurance are probably not needed. They may sound like good ideas when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
Insurance lapses lead to higher prices – Not having insurance is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. And not only will insurance be more expensive, getting caught without coverage could result in fines and jail time.
Lower-cost Chevy City Express insurance quotes in Miami
Companies that sell car insurance don’t always list all discounts in an easy-to-find place, so the below list has a few of the more common as well as the least known credits available to bring down your rates.
- Sign Early and Save – Some insurance companies reward drivers for switching policies before your current City Express insurance policy expires. You may see this discount when you get Miami auto insurance quotes online.
- Policy Bundle Discount – If you have multiple policies with one company you could save at least 10% off all policies.
- Savings for New Vehicles – Insuring a new City Express can get you a discount since newer vehicles have better safety ratings.
- College Student – College-age children who live away from home at college and don’t have a car may be able to be covered for less.
- Lower Rates for Military – Having a family member in the military may lower your insurance rates slightly.
- Low Mileage – Driving less may allow you to get discounted prices on garaged vehicles.
Don’t be surprised that most credits do not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The diagram below illustrates the comparison of Chevy City Express car insurance rates with and without discounts applied. The information is based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.
The best insurance companies and some of their more popular discounts include:
- GEICO policyholders can earn discounts including emergency military deployment, air bags, driver training, membership and employees, military active duty, anti-theft, and seat belt use.
- Travelers offers premium reductions for early quote, good student, student away at school, multi-car, hybrid/electric vehicle, continuous insurance, and IntelliDrive.
- Nationwide may offer discounts for defensive driving, family plan, anti-theft, easy pay, and Farm Bureau membership.
- Farmers Insurance offers discounts including multi-car, good student, homeowner, switch companies, business and professional, distant student, and youthful driver.
- Esurance may include discounts for Switch & Save, good driver, DriveSense, defensive driver, and anti-lock brakes.
- State Farm discounts include good student, multiple autos, defensive driving training, anti-theft, accident-free, and driver’s education.
- Progressive has discounts for online quote discount, continuous coverage, homeowner, online signing, multi-vehicle, multi-policy, and good student.
- Mercury Insurance has savings for anti-theft, location of vehicle, age of vehicle, ease of repair, and low natural disaster claims.
If you want inexpensive Miami auto insurance quotes, ask each insurance company to give you their best rates. Some credits might not apply in your state. If you would like to choose from a list of insurers with discount insurance rates in Miami, follow this link.
Independent versus exclusive insurance agents
Many people would rather sit down with an agent and doing that can be a smart decision One of the great benefits of comparing insurance prices online is that you can find cheap rate quotes and still choose a local agent. And supporting small agencies is important especially in Miami.
To make it easy to find an agent, after completing this simple form, the quote information is emailed to agents in your area that provide free Miami auto insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered directly to you. You can most likely find cheaper rates and a licensed agent to work with. If for some reason you want to quote rates from a specific car insurance provider, feel free to jump over to their website and complete a quote there.
Picking an insurer is decision based upon more than just the bottom line cost. These questions are important to ask:
- Will the agent or a CSR service your policy?
- Do they reduce claim amounts on high mileage vehicles?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is the agent CPCU or CIC certified?
- Which companies can they place coverage with?
- Are they full-time agents?
- Does their agency support local causes in Miami?
Once you have received satisfactory answers to any questions you may have and a low price estimate, it’s possible that you found an insurance company that can be relied on to properly service your car insurance policy. Just keep in mind you can terminate your policy whenever you want so don’t assume that you are permanently stuck with a policy for the full policy term.
Florida auto insurance companies
Choosing a high-quality insurer can be difficult considering how many different companies sell coverage in Miami. The ranking information shown next can help you choose which providers you want to consider when comparing rate quotes.
Top 10 Miami Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Miami Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Keep this in mind when shopping around
In this article, we presented a lot of tips how to lower your Chevy City Express insurance premium rates in Miami. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the lowest priced car insurance comes from an unexpected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.
When searching for low cost Miami auto insurance quotes, it’s not a good idea to buy poor coverage just to save money. In many cases, drivers have reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
Additional learning opportunities
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Cheap Miami Auto Insurance Quotes for Teachers? (FAQ)
- Who Has Cheap Miami Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What is Full Coverage? (Allstate)