The recommended way to get cheaper auto insurance rates in Miami is to start doing an annual price comparison from companies that sell auto insurance in Florida. Drivers can shop around by following these steps.
- Try to understand how your policy works and the changes you can make to keep rates in check. Many factors that are responsible for high rates such as at-fault accidents, careless driving, and a substandard credit history can be remedied by making minor driving habit or lifestyle changes.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple companies.
- Compare the new rates to your existing coverage to see if a cheaper price is available in Miami. If you find a better price, make sure coverage does not lapse between policies.
- Notify your current company to cancel the current policy. Submit a down payment and signed policy application for your new policy. Once the application is submitted, keep your new certificate of insurance somewhere easily accessible.
The key thing to know about shopping around is to make sure you’re comparing similar deductibles and liability limits on every quote and to quote with as many companies as feasibly possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.
It’s safe to conclude that insurance companies don’t want their customers to go rate shopping. Insureds who shop around annually will probably switch insurance companies because there is a significant possibility of finding a more affordable policy premium. A recent survey revealed that drivers who routinely compared quotes saved over $865 a year compared to drivers who never shopped around for better prices.
If finding the most affordable Saturn Outlook insurance is your goal, then knowing the best way to compare auto insurance can help make the process easier.
If you currently have auto insurance, you stand a good chance to be able to reduce premiums using these techniques. Comparing rates for the most affordable auto insurance policy in Miami is not as confusing as people think. But Florida vehicle owners should learn the methods companies use to calculate your policy premium.
Just remember that comparing all the rates in your area will increase your chances of finding lower pricing. Some regional insurers cannot provide online Miami Outlook insurance quotes, so you should also compare prices from those companies as well.
The companies shown below have been selected to offer price comparisons in Miami, FL. If you want to find the best cheap car insurance in FL, we recommend you visit two to three different companies in order to find the cheapest rates.
Detailed insurance information
The table displayed next outlines estimates of insurance rates for Saturn Outlook models. Being more informed about how policy premiums are determined can aid in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $414 | $544 | $546 | $32 | $164 | $1,700 | $142 |
| Outlook XV 2WD | $414 | $544 | $546 | $32 | $164 | $1,700 | $142 |
| Outlook XE Premium 2WD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Outlook XE AWD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Outlook XE Premium AWD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Outlook XR-L 2WD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Outlook XR-L AWD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Outlook XR-L Premium 2WD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Outlook XR-L Premium AWD | $462 | $640 | $546 | $32 | $164 | $1,844 | $154 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in specific garaging location which can raise or lower coverage prices greatly.
Policy deductibles
One of the more difficult decisions when buying insurance is how low should you set your deductibles. The premium rates below may help you to understand how much more you’ll pay of buying low and high physical damage deductibles. The first set of rates uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $406 | $648 | $418 | $24 | $124 | $1,645 | $137 |
| Outlook XV 2WD | $406 | $648 | $418 | $24 | $124 | $1,645 | $137 |
| Outlook XE Premium 2WD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Outlook XE AWD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Outlook XE Premium AWD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Outlook XR-L 2WD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Outlook XR-L AWD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Outlook XR-L Premium 2WD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Outlook XR-L Premium AWD | $452 | $764 | $418 | $24 | $124 | $1,807 | $151 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| Outlook XV 2WD | $296 | $438 | $418 | $24 | $124 | $1,300 | $108 |
| Outlook XE Premium 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Outlook XE AWD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Outlook XE Premium AWD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Outlook XR-L 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Outlook XR-L AWD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Outlook XR-L Premium 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Outlook XR-L Premium AWD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in specific zip code location which can alter premiums significantly.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $32 more each month or $384 for a full year across all Saturn Outlook models than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 13 months between claim filings, you would most likely save money if you choose a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $148 |
| Average monthly premium for $500 deductibles (subtract): | – $116 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Saturn Outlook insurance premiums by gender in Miami
The diagram below shows the comparison of Saturn Outlook insurance costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Get cheap Saturn Outlook insurance in Miami with discounts
Some insurance providers don’t list all discounts very well, so the next list breaks down some of the best known and also the more inconspicuous credits available to bring down your rates.
- E-sign – Some of the larger companies may give you up to $50 get Miami car insurance over the internet.
- Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better car insurance rates if you take out some life insurance in addition to your auto policy.
- Savings for New Vehicles – Putting insurance on a new Outlook is cheaper due to better safety requirements for newer models.
- Waiver for an Accident – Not necessarily a discount, but a few companies such as Allstate and State Farm will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
- More Vehicles More Savings – Drivers who insure multiple cars or trucks on one policy could earn a price break for each car.
- Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may get savings of up to 25% or more.
One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.
The information below shows the difference between Saturn Outlook yearly insurance costs with and without discounts. The prices are based on a female driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.
Larger car insurance companies and a partial list of their discounts are:
- GEICO may include discounts for multi-policy, emergency military deployment, multi-vehicle, air bags, anti-theft, daytime running lights, and driver training.
- Mercury Insurance may offer discounts for annual mileage, good driver, multi-car, type of vehicle, ease of repair, multi-policy, and age of vehicle.
- Farmers Insurance has discounts for distant student, multi-car, bundle discounts, homeowner, switch companies, alternative fuel, and teen driver.
- Auto-Owners Insurance discounts include safe vehicle, anti-theft, good student, paid in full, anti-lock brakes, air bags, and mature driver.
- Liberty Mutual policyholders can earn discounts including safety features, exclusive group savings, multi-car, new move discount, good student, hybrid vehicle, and new vehicle discount.
- SAFECO offers discounts including accident prevention training, bundle discounts, safe driver, teen safe driver, drive less, homeowner, and teen safety rewards.
- Progressive may have discounts that include multi-policy, online signing, homeowner, multi-vehicle, and online quote discount.
- USAA includes discounts for multi-vehicle, vehicle storage, new vehicle, driver training, military installation, and multi-policy.
Before purchasing a policy, check with all the companies to give you their best rates. Some of the earlier mentioned discounts may not apply everywhere. To locate companies who offer car insurance discounts in Miami, click here to view.
Insuring your Saturn vehicle just makes sense
Despite the fact that car insurance is not cheap in Miami, insuring your vehicle may be required and benefits you in several ways.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy specific limits of liability if you don’t want to risk a ticket. 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.
Second, if your car has a lienholder, it’s most likely the lender will stipulate that you buy insurance to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Saturn at a much higher premium rate and force you to pay for the much more expensive policy.
Third, car insurance protects your Saturn and your assets. It will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, your car insurance policy will pay to have it repaired.
The benefits of buying car insurance definitely exceed the price paid, particularly when you have a large claim. But the average driver in Florida overpays as much as $825 a year so compare rates at least once a year to make sure the price is not too high.
You are unique and your auto insurance should be too
Always remember that when buying the right insurance coverage for your vehicles, there is no one-size-fits-all type of policy. Everyone’s needs are different and your policy should reflect that.
These are some specific questions can help discover if your situation may require specific advice.
- Does liability extend to a camper or trailer?
- Do I have coverage when making deliveries for my home business?
- What exactly is covered by my policy?
- Is coverage enough to protect my assets?
- How do I file an SR-22 for a DUI in Florida?
- Do I need added coverage for expensive stereo equipment?
If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Exclusive versus independent insurance agents
Many drivers still like to buy from a licensed agent and that is not a bad decision One of the great benefits of price shopping on the web is the fact that drivers can get cheap rate quotes and also buy local. And buying from local insurance agents is definitely important in Miami.
For easy comparison, once you complete this short form, your coverage information is submitted to local insurance agents in Miami that give free quotes for your coverage. You won’t even need to leave your house because prices are sent to you directly. Get lower rates without the usual hassles of price shopping. If you need to get a rate quote from a specific company, you would need to find their quoting web page and complete a quote there.
Types of auto insurance agents
If you want to buy insurance from a good Miami insurance agent, it can be helpful to understand the different types of agencies and how they are slightly different. Agents may be either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents of this type often have affiliation with several companies so they can quote policies amongst many companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and that require little work on your part.
If you need cheaper insurance rates, we highly recommend that you include rate quotes from several independent insurance agents for the best price selection. A lot of them also have access to smaller regional carriers that many times have cheaper rates.
The following are Miami independent insurance agencies who may be able to give you free rate quotes.
- Ekono Insurance Agency
11626 NE 2nd Ave – Miami, FL 33161 – (305) 757-6767 – View Map - All Security Insurance Agency, Inc.
373 N Royal Poinciana Blvd – Miami Springs, FL 33166 – (305) 887-9544 – View Map - Miami Insurance Agency
3313 NW 7th St – Miami, FL 33125 – (305) 541-4553 – View Map
Exclusive Insurance Agencies
These agents can only provide one company’s prices and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies are highly trained on their company’s products and that can be a competitive advantage. Consumers sometimes buy from exclusive agents partially due to the brand name rather than having the cheapest rates.
Shown below is a short list of exclusive insurance agents in Miami who can help you get price quote information.
- Rick Gonzalez – State Farm Insurance Agent
8830 Coral Way – Miami, FL 33165 – (305) 226-3412 – View Map - Allstate Insurance: Eduardo Ferraz
1110 Brickell Ave Ste 105 – Miami, FL 33131 – (305) 379-3666 – View Map - Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map
Finding the right car insurance agent should depend on more than just the premium amount. Here are some questions you should ask.
- Do you work with a CSR or direct with the agent?
- Is there any savings for paying the full premium?
- How experienced are they in personal risk management?
- Where would glass claims be handled in Miami?
- Does the company use OEM repair parts?
- Will one accident increase rates?