Cutting costs on Subaru Baja insurance in Miami may be quite difficult for drivers who have little experience quoting and comparing prices online. With literally dozens of companies competing online, it can quickly become a difficult challenge to locate the lowest price in Florida.
Anyone knows that car insurance companies don’t want you to compare rates. Consumers who shop rates annually are very likely to buy a different policy because they have a good chance of finding a policy with better rates. A recent survey found that consumers who shopped around every year saved $3,450 over four years as compared to drivers who didn’t regularly shop around.
If finding low prices for Subaru Baja insurance in Miami is your ultimate goal, then learning about how to shop and compare insurance rates can save time, money, and frustration.
Shopping around for more affordable coverage in Miami is easy if you know what you’re doing. In a nutshell, every person who has to buy insurance will most likely be able to lower their premiums. Although Florida drivers do need to understand how companies determine how much to charge and use it to your advantage.
Most companies like Progressive, GEICO, Allstate and State Farm allow consumers to get prices for coverage from their websites. Comparing prices online for Subaru Baja insurance in Miami is easy for anyone as you just enter your required coverages as requested by the quote form. Once entered, their quoting system gets reports for credit and driving violations and returns a price quote based on many factors.
Getting online quotes for Subaru Baja insurance in Miami streamlines rate comparisons, and it is imperative to have as many quotes as possible if you want to get the most affordable premium possible.
To quickly compare rates now, check out the car insurance providers below. If you have a policy now, it’s recommended you replicate the coverage information exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes using the same coverage and limits.
The following companies are our best choices to provide quotes in Miami, FL. To locate the cheapest auto insurance in FL, it’s highly recommended you click on several of them in order to find the cheapest rates.
Auto insurance in Florida serves several purposes
Even though it’s not necessarily cheap to insure a Subaru in Miami, insuring your vehicle is a good idea for several reasons.
- The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance 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.
- If you took out a loan on your Baja, it’s most likely the lender will force you to buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Subaru at a significantly higher premium and require you to reimburse them the higher premium.
- Auto insurance preserves your Subaru Baja and your assets. It will also cover hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying over $800 each year so we recommend shopping around each time the policy renews to ensure rates are inline.
Auto insurance policy discounts for Subaru Baja insurance in Miami
Some insurers don’t necessarily list the entire discount list very clearly, so below is a list both well-publicized and also the more inconspicuous credits that may apply to you.
- Defensive Driver – Completing a course teaching safe driver skills could save 5% or more if you qualify.
- No Charge for an Accident – This one isn’t a discount, but some insurance companies will allow you to have one accident without the usual rate increase if you are claim-free for a set time period.
- College Student Discount – Any of your kids living away from Miami attending college and won’t have access to an insured vehicle may be able to be covered for less.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of 20 to 30 percent.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts could cut 10% or more off PIP or medical payments premium.
It’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.
If you would like to view auto insurance companies with discount auto insurance rates in Florida, follow this link.
Compare prices but work with a local neighborhood Miami car insurance agent
Some people just want to visit with an insurance agent and that is a personal choice. A nice benefit of getting free rate quotes online is that drivers can save money and get better rates and still have an agent to talk to. Putting coverage with small agencies is important particularly in Miami.
To find an agent, once you fill out this quick form, your coverage information is submitted to local insurance agents that can give you free Miami auto insurance quotes for your coverage. It’s much easier because you don’t need to contact any insurance agencies since rate quotes are delivered directly to your email. You can most likely find cheaper rates and work with a local agent. If you need to compare prices from a specific company, you can always navigate to their website and fill out the quote form the provide.
If you would like to find a reputable insurance agent or broker, it’s important to understand the different types of agencies and how they are slightly different. Agents in Miami can be categorized as either exclusive agents or independent agents.
Independent Agents (or Brokers)
Independent agents are normally appointed by many insurers so they can write business with many different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent. When searching for an agent, you definitely need to compare prices from several independent agencies to get the best comparison. Most also have access to different regional companies that may have much lower rates than larger companies.
Listed below are Miami independent insurance agencies that may be able to give you pricing information.
- E and L Insurance Services
1241 SW 27th Ave – Miami, FL 33135 – (888) 700-4049 – View Map
- SOL Insurance Agency
1370 W Flagler St – Miami, FL 33135 – (305) 643-2333 – View Map
- Universe Insurance Agency, Inc.
1563 NW 27th Ave – Miami, FL 33125 – (305) 633-6111 – View Map
Exclusive Car Insurance Agents
These type of agents can only place business with one company such as Farmers Insurance, State Farm, or Allstate. These agents are not able to compare rates from other companies so it’s a take it or leave it situation. They are well trained on the products they sell which helps them sell on service rather than price. Some insured continue to buy from exclusive agents partially due to high brand loyalty rather than low rates.
Shown below is a list of exclusive agents in Miami who can help you get rate quotes.
- Allstate Insurance: Eduardo Ferraz
1110 Brickell Ave Ste 105 – Miami, FL 33131 – (305) 379-3666 – View Map
- Allstate Insurance: Pamela Brumer
141 Alton Rd – Miami Beach, FL 33139 – (305) 531-1223 – View Map
- Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 – View Map
Finding the right insurance agent needs to be determined by more than just a cheap quote. These are some questions your agent should answer.
- Do they get extra compensation for selling add-on coverages?
- Will the quote change when the policy is issued?
- Is the agency active in community causes in Miami?
- Who are their largest clients?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is every driver in your family covered?
- Will one accident increase rates?
- How long has their agency been in business in Miami?
Car insurance coverage basics
Knowing the specifics of a car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Liability insurance – This provides protection from damage that occurs to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 10/20/10 that translate to a $10,000 limit per person for injuries, a per accident bodily injury limit of $20,000, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Florida state minimum liability requirements are 10/20/10 but drivers should carry higher limits.
The chart below shows why buying minimum limits may not be enough coverage.
Collision coverage – Collision insurance will pay to fix damage to your Baja resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like driving through your garage door, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Baja to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Subaru Baja.
Since many Florida drivers only carry the minimum required liability limits (10/20/10 in Florida), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as EMT expenses, surgery, pain medications, nursing services and dental work. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like rock chips in glass, vandalism, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
The lowest rates come from being thorough
Some companies may not offer online price quotes and most of the time these smaller companies only sell coverage through independent insurance agents. Low-cost Subaru Baja insurance in Miami can be bought on the web in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money.
Insureds who switch companies do it for many reasons like delays in responding to claim requests, high prices, not issuing a premium refund or questionable increases in premium. It doesn’t matter what your reason, finding a new company is actually quite simple.
When getting Miami auto insurance quotes online, you should never buy less coverage just to save a little money. In too many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at the best price while still protecting your assets.
Steps to finding cheaper quotes for Subaru Baja insurance in Miami
The best way to get more affordable Subaru Baja insurance in Miami is to do a yearly price comparison from companies who provide auto insurance in Florida. This can be done by following these steps.
First, try to learn a little about how auto insurance works and the measures you can take to prevent expensive coverage. Many policy risk factors that are responsible for high rates like traffic violations, accidents, and a bad credit rating can be amended by being financially responsible and driving safely.
Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like Progressive or State Farm, while independent agencies can provide price quotes for a wide range of insurance providers.
Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find better rates 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, give proper notification to your current agent or company of your intent to cancel your current coverage. Submit payment along with a signed and completed policy application for your new coverage. Make sure you keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A good piece of advice is to use the same deductibles and limits on every quote and and to compare as many companies as feasibly possible. This ensures a level playing field and a complete rate analysis.
Additional insurance information can be found on the following sites:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Affordable Miami Car Insurance for a Mazda CX-7? (FAQ)
- Who Has Cheap Miami Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)