Searching for cheaper insurance rates in Miami, FL? Miami drivers have a choice when trying to find the lowest priced car insurance. You can either waste hours driving around to get rate comparisons or use the internet to make rate comparisons.

There is a better way to shop for insurance and you need to know the absolute fastest way to quote coverages for a new or used and find the cheapest rates from Miami insurance agents and online providers.

You should take the time to shop coverage around quite often since insurance prices change regularly. Even if you got the best deal on insurance a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you're going to get a crash course in how to quote online to properly buy coverages and cut your premium.

If you're already insured or just want to reduce your rates, follow these tips to reduce the price you pay while maintaining coverages. We hope to teach you how car insurance works and how you can save the most money. Vehicle owners only need an understanding of the most efficient way to get comparison quotes over the internet.

Affordable car insurance in Miami, FL

The following companies are our best choices to provide free rate quotes in Florida. If multiple providers are shown, it's highly recommended you visit as many as you can to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Miami
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $1,480 $740 $123
Chevrolet Silverado LTZ Extended Cab 4WD $1,062 $531 $89
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,376 $688 $115
Ford Escape XLT 2WD $1,092 $546 $91
Ford F-150 XLT Super Cab 4WD $1,426 $713 $119
Ford Focus SES 2-Dr Coupe $1,238 $619 $103
GMC Sierra SL Crew Cab 2WD $1,614 $807 $135
Honda Accord LX-S 2-Dr Coupe $1,542 $771 $129
Honda CR-V LX 4WD $1,398 $699 $117
Honda Civic LX 4-Dr Sedan $1,428 $714 $119
Honda Odyssey EX-L $1,466 $733 $122
Hyundai Sonata SE 4-Dr Sedan $1,112 $556 $93
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,216 $608 $101
Nissan Altima 2.5 S 4-Dr Sedan $1,528 $764 $127
Toyota Camry Hybrid $1,892 $946 $158
Toyota Corolla XRS $1,042 $521 $87
Toyota Prius $1,046 $523 $87
Toyota RAV4 Limited 2WD $1,406 $703 $117
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in vehicle location which can affect premiums noticeably.

Driving violations and accidents

The chart below demonstrates how citations and fender-benders impact Hyundai Elantra car insurance rates for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Cheaper Miami auto insurance quotes with discounts

Companies offering auto insurance don't list every discount in a way that's easy to find, so the list below details a few of the more common and also the more inconspicuous discounts that may be available.Auto insurance discounts

Please keep in mind that many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you're out of luck.

If you would like to view insurers that can offer you the previously mentioned discounts in Florida, click here.

Get rate quotes but buy from a neighborhood Miami auto insurance agent

Some consumers just prefer to go talk to an agent and that is not a bad decision Agents can help determine the best coverages and help in the event of a claim. The best thing about price shopping on the web is you can get lower rates and still buy from a local agent. Supporting neighborhood agents is especially important in Miami.

Find insurance agent in MiamiTo make it easy to find an agent, after completing this form (opens in new window), the coverage information is sent to companies in Miami that can give you free Miami auto insurance quotes for your insurance coverage. You don't have to visit any agencies because quoted prices will be sent immediately to your email address. If you have a need to compare rates from a specific auto insurance provider, just visit that company's website to submit a rate quote request.

Two types of car insurance agents

If you are wanting to find a local insurance agency, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Auto insurance policy providers are categorized either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it is a good idea to know the difference between them since it can impact which agent you choose.

Independent Agents (or Brokers)

These type of agents can quote rates with many companies so they can insure your vehicles with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they simply move your policy to a different company which makes it simple for you.

When searching for an agent, you absolutely need to compare quotes from multiple independent agents in order to have the best price comparison. Most can insure with companies that do not advertise much that many times have cheaper rates.

Listed below are Miami independent insurance agents that can possibly get you comparison quotes.

View more agents

Exclusive Auto Insurance Agents

Exclusive agencies can only write with one company and examples are State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. They are trained well on their company's products which helps them compete with independent agents. Consumers sometimes purchase coverage from exclusives partially due to the brand rather than low rates.

Shown below are exclusive insurance agents in Miami that are able to give comparison quotes.

View more agents

Finding the right insurance agent needs to be determined by more than just the premium amount. The questions below may impact your decision as well.

Car insurance policy coverages

Learning about specific coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage will pay to fix damage to your vehicle resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Car Insurance Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper Audi RS7
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab Nissan GT-R
Smart ForTwo Ferrari 458
Ford Edge BMW 6 Series
Nissan Xterra Bently Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for hospital visits, X-ray expenses and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Lowest and Highest Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Chevrolet Spark
Audi A4 Allroad Chrysler 200
Chevrolet Silverado 3500 Nissan Versa
Ford Expedition Mitsubishi Lancer
Ford F-250 SuperCrew Kia Forte
Chevrolet Corvette Nissan Sentra

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and vandalism. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Car Insurance Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Volvo V60 Mercedes-Benz S Class
GMC Sierra 2500 Maserati Quattroporte
Chevy Spark BMW M6
Infiniti QX50 BMW M6
Smart ForTwo Bentley Continental GT
Ford F-350 Audi S7

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Covered claims include injuries to you and your family as well as damage to your vehicle.

Since a lot of drivers only carry the minimum required liability limits (which is 10/20/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 10/20/10 which stand for a $10,000 limit per person for injuries, $20,000 for the entire accident, and a limit of $10,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like repair bills for other people's vehicles, funeral expenses, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Florida state minimum liability requirements are 10/20/10 but drivers should carry more liability than the minimum.

Liability Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chrysler 200
Subaru Outback Chevrolet Cruze
Audi A6 Mitsubishi Lancer
Acura MDX Hyndai Accent
Subaru Forester Kia Rio
Fiat 500 Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best insurance company isn't always the cheapest

You just read a lot of tips how to save on auto insurance in Miami. The key thing to remember is the more you quote Miami auto insurance, the better likelihood of getting affordable Miami auto insurance quotes. Consumers could even find that the lowest rates are with some of the smallest insurance companies.

When you buy Miami auto insurance online, never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but don't skip important coverages to save money.

Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, poor customer service and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

Much more information about auto insurance in Florida can be read below: