It’s safe to conclude that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around at least once a year will, in all likelihood, buy a new policy because of the good chance of finding a lower rate. Remarkably, a study showed that people who regularly compared rates saved on average $860 a year compared to other drivers who never shopped around.
If saving the most money on Mazda MPV insurance in Miami is the reason you’re reading this, then having some knowledge of how to compare coverage rates can make it easier to find better rates.
The most effective way to find cheaper quotes for Mazda MPV insurance is to start doing an annual price comparison from insurance carriers in Miami. Rates can be compared by following these steps.
First, take a little time to learn about how car insurance works and the factors you can control to keep rates down. Many things that cause rate increases like traffic citations, accidents, and a substandard credit history can be amended by making minor changes to your lifestyle. Continue reading for more ideas to find cheap rates and find missing discounts.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of insurance providers.
Third, compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse in coverage.
A good piece of advice is to make sure you’re comparing the same deductibles and limits on each quote and and to get rate quotes from all possible companies. Doing this guarantees a fair price comparison and a complete price analysis.
If you have coverage now or are looking for a new policy, use these cost-cutting techniques to shop for the lowest rates and still get good coverage. Finding the cheapest coverage in Miami is much easier if you know where to start. You just have to use the most efficient way to compare company rates online from multiple companies.
Slash rates with these discounts on Mazda MPV insurance in Miami
Not many people think insurance is cheap, but you can get discounts that may help make it more affordable. Some of these discounts will be visible when you purchase, but some must be manually applied before being credited.
- Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
- Paper-free Discount – Many larger companies will provide an incentive for buying your policy on the internet.
- Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease with some car insurance companies.
- Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
- Waiver for an Accident – Not really a discount, but certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
- Professional Organizations – Affiliation with a qualifying organization could earn you a nice discount on car insurance.
- Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
- Auto/Home Discount – If you combine your auto and homeowners policies and insure them with the same company they may give you a discount of approximately 10% to 15%.
- Student Discounts – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
- Miami Homeowners Discount – Just owning your own home can get you a discount because owning a home demonstrates responsibility.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
Popular car insurance companies and some of the premium reductions they offer include:
- State Farm offers discounts for driver’s education, defensive driving training, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, accident-free, and safe vehicle.
- Progressive discounts include continuous coverage, multi-vehicle, homeowner, multi-policy, good student, and online signing.
- Travelers may offer discounts for multi-policy, student away at school, new car, hybrid/electric vehicle, continuous insurance, driver training, and early quote.
- American Family includes discounts for bundled insurance, accident-free, air bags, mySafetyValet, and good driver.
- Liberty Mutual may include discounts for new vehicle discount, hybrid vehicle, preferred payment discount, new move discount, newly retired, new graduate, and newly married.
If you need lower rates, check with all the companies how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in Miami. If you would like to view car insurance companies that offer multiple discounts in Miami, click here to view.
The companies shown below are ready to provide free quotes in Florida. To get cheap auto insurance in FL, it’s highly recommended you click on several of them to find the cheapest car insurance rates.
Insurance agents can help
Always remember that when buying insurance from an agent or online, there really isn’t a “best” method to buy coverage. Your situation is unique.
For instance, these questions could help you determine if your situation might need an agent’s assistance.
- Is my dog or cat covered if injured in an accident?
- When do I need to add a new car to my policy?
- Which companies are cheaper for teen drivers?
- Are there any extra discounts I can get?
- Can I rent a car in Mexico?
- Why do I have to buy liability insurance?
- Is my teen driver covered when they drive my company car?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Neighborhood Miami auto insurance agents
A small number of people just prefer to visit with an insurance agent and we recommend doing that Experienced insurance agents will help you protect your assets and help in the event of a claim. One of the great benefits of comparing insurance prices online is that drivers can save money and get the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is instantly submitted to local insurance agents in Miami that can provide free Miami auto insurance quotes to get your business. There is no reason to contact any agents because prices are sent directly to you. If you want to compare prices from one company in particular, you can always find their quoting web page to submit a rate quote request.
Picking an provider should include more criteria than just a low price. These are some questions your agent should answer.
- Can you choose the body shop in case repairs are needed?
- Which insurance company do they prefer to write with?
- How experienced are they in personal risk management?
- If you are a high risk driver, do they have special markets for your coverage?
- Will one accident increase rates?
- Are they involved in claim handling?
- Does the agent have professional designations like CIC, CPCU or AIC?
Multiple types of auto insurance agents in Miami
When finding a good insurance agency, it can be helpful to understand the types of agencies that differ in how they can insure your vehicles. Insurance agencies in Miami are categorized either independent agents or exclusive agents. Either can insure your vehicles, but it’s a good idea to understand the subtle differences because it can factor into the kind of agent you use.
These agents can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are well trained on their products and sales techniques and that allows them to sell at a higher price point.
Shown below is a short list of exclusive insurance agencies in Miami who can help you get price quote information.
Gus Figueredo – State Farm Insurance Agent
7950 W Flagler St #103 – Miami, FL 33144 – (305) 262-0440 – View Map
Independent Auto Insurance Agencies
Independent agencies are not locked into one company and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If you want to switch companies, your agent can switch companies which makes it simple for you.
If you need lower rates, you definitely need to include rate quotes from at a minimum one independent agency to have the most options to choose from.
The following are independent agents in Miami willing to provide price quotes.
CHECKMARK INSURANCE AGENCY – Auto and Homeowners Insurance Agents
1375 NW 36th St – Miami, FL 33142 – (305) 638-1280 – View Map
Miami Insurance Agency
3313 NW 7th St – Miami, FL 33125 – (305) 541-4553 – View Map
If you receive answers to your satisfaction to all your questions and a good coverage price, chances are good that you have found an insurance agency that can properly service your auto insurance policy. Just be aware that you can always cancel coverage any time you want so don’t assume you’re contractually obligated to a specific company with no way to switch.
In the end, you can save money
Drivers leave their current company for any number of reasons including delays in paying claims, lack of trust in their agent, policy non-renewal and questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.
As you quote Miami auto insurance, it’s very important that you do not buy poor coverage just to save money. In many cases, consumers will sacrifice physical damage coverage to discover at claim time that it was a big mistake. Your objective should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.
You just learned some good ideas how you can save on Mazda MPV insurance in Miami. The key thing to remember is the more quotes you get, the better likelihood of getting low cost Miami auto insurance quotes. You may even be surprised to find that the lowest prices are with an unexpected company.
More detailed auto insurance information is available in these articles:
- Eight Auto Insurance Myths (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Ram in Miami? (FAQ)
- How Much are Miami Car Insurance Quotes for Inexperienced Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Miami? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Single Moms in Miami? (FAQ)
- Who Has Affordable Car Insurance Quotes for Low Credit Scores in Miami? (FAQ)
- What Auto Insurance is Cheapest for a Hyundai Santa Fe in Miami? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Teen Driver Licensing Information (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)