We don’t have to point out that fact that car insurance companies don’t want customers comparing rates. Drivers who get price quotes annually are very likely to switch car insurance companies because there is a great chance of finding discount prices. A recent study showed that consumers who routinely compared quotes saved over $850 each year compared to people who don’t make a habit of comparing rates.
If finding the lowest price on Mercedes-Benz SLS AMG insurance in Miami is your goal, learning how to get price quotes and compare insurance premiums can save time and money.
It takes a few minutes, but the best way to get discount car insurance rates in Miami is to compare quotes annually from insurers who provide auto insurance in Florida. Rates can be compared by following these steps.
- First, take a few minutes and learn about how companies set rates and the steps you can take to prevent expensive coverage. Many rating factors that result in higher rates like accidents, traffic tickets, and a negative credit score can be eliminated by improving your driving habits or financial responsibility.
- Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple sources.
- Third, compare the quotes to your current policy and determine if cheaper SLS AMG coverage is available in Miami. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, provide adequate notice to your current company to cancel your current car insurance policy and submit the required down payment along with the signed application to your new agent or company. As soon as you can, place your new proof of insurance paperwork in your glove compartment.
The key aspect of shopping around is to make sure you enter similar limits and deductibles on every price quote and and to get quotes from every insurance company. This provides the most accurate price comparison and a thorough price selection.
All the larger insurance companies such as State Farm, GEICO and Progressive give price estimates from their websites. Comparing prices online for Mercedes-Benz SLS AMG insurance in Miami can be done by anyone as you simply enter your personal and coverage information into a form. When complete, their rating system orders your driving record and credit report and generates a price.
Getting online quotes for Mercedes-Benz SLS AMG insurance in Miami simplifies rate comparisons, and it’s necessary to compare as many rates as possible if you want to get the lowest payment on insurance.
If you want to use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you enter coverages and limits exactly as they are listed on your policy. This helps ensure you will receive a price comparison based on identical coverages.
The companies shown below can provide price quotes in Florida. If you want the cheapest auto insurance in Miami, FL, we suggest you visit several of them to find the lowest auto insurance rates.
Choosing the best Mercedes-Benz vehicle insurance in Florida is an important decision
Even though it’s not necessarily cheap to insure a Mercedes-Benz in Miami, insurance is required in Florida but it also protects you in many ways.
- Most states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your SLS AMG with a loan, most lenders will stipulate that you carry insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Mercedes-Benz at a more expensive rate and require you to pay for the much more expensive policy.
- Car insurance protects not only your car but also your assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If your Mercedes-Benz gets damaged, your car insurance policy will pay to have it repaired.
The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $810 a year so shop around each time the policy renews to save money.
Do you qualify for discounts?
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specially asked for before they will apply.
- Multi-car Discount – Drivers who insure multiple cars or trucks on a single policy may reduce the rate for each vehicle.
- Data Collection Discounts – Policyholders that allow their company to spy on driving patterns by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they show good driving skills.
- Multiple Policy Discount – When you combine your homeowners and auto insurance with one company you may save over 10 percent off each policy depending on the company.
- Home Ownership Discount – Just being a homeowner can earn you a little savings because it requires personal responsibility.
- College Student – Youth drivers who live away from home at college and do not take a car to college can be insured at a reduced rate.
- Sign Online – A few larger online companies will give you a small discount for buying a policy and signing up on the web.
- Full Payment Discount – By paying your entire bill at once instead of paying each month you may reduce your total bill.
- Professional Memberships – Being a member of certain professional organizations is a good way to get lower rates when shopping for insurance.
- Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
You can save money using discounts, but most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way.
To see insurance companies with the best discounts in Miami, click here.
Florida auto insurance companies
Selecting the highest-rated insurance provider is hard considering how many different insurance companies sell coverage in Miami. The company information in the next section may help you select which car insurance companies you want to consider putting your business with.
Top 10 Miami Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Miami Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General