Trying to find low-cost insurance for a new or used car in Florida can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to compare insurance rates and you need to know the absolute fastest way to compare rates for your and locate the best price possible either online or from Opa-locka insurance agents.
Shockingly, almost 70% of drivers in Florida have been with the same company for well over three years, and just under half have never quoted rates to find cheap coverage. American drivers could save themselves $860 a year just by comparing rates, but they just don't understand how easy it is to compare rate quotes online.
It's important to compare prices every six months because insurance rates go up and down regularly. Just because you had the best premium rates on insurance last year other companies may now be cheaper. You can search a lot of insurance on the internet, but in this article, you're going to get some great ideas on how to find affordable insurance in Opa-locka.
If you already have coverage or need new coverage, use these cost-cutting techniques to find the best rates without sacrificing coverage. Pricing the lowest-priced auto insurance policy in Opa-locka is quite easy. Smart shoppers just need to know the fastest way to compare prices online.
Affordable companies for Opa-locka auto insurance
The following companies are our best choices to provide comparison quotes in Opa-locka, FL. If you want to find cheap auto insurance in Florida, it's a good idea that you click on several of them to find the lowest auto insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$1,434||$717||$120|
|Chevrolet Impala LT||$1,424||$712||$119|
|Chevrolet Malibu Hybrid||$1,108||$554||$92|
|Chevrolet Silverado LS Extended Cab 2WD||$1,230||$615||$103|
|Dodge Grand Caravan Hero||$1,320||$660||$110|
|Dodge Ram Crew Cab TRX 2WD||$1,376||$688||$115|
|Ford Edge SE AWD||$1,200||$600||$100|
|Ford Escape XLS 2WD||$836||$418||$70|
|Ford Explorer Limited AWD||$1,440||$720||$120|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$1,406||$703||$117|
|Ford Focus SE 4-Dr Sedan||$1,746||$873||$146|
|Honda Accord LX-S 2-Dr Coupe||$1,662||$831||$139|
|Honda CR-V LX 2WD||$1,066||$533||$89|
|Honda Civic LX-S 4-Dr Sedan||$1,504||$752||$125|
|Kia Optima SX||$1,268||$634||$106|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,750||$875||$146|
|Toyota Camry Hybrid||$1,132||$566||$94|
|Toyota Corolla XRS||$1,346||$673||$112|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,190||$595||$99|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in your specific Opa-locka location which can increase or decrease prices considerably.
Comparison of policy deductibles
The example below demonstrates how deductibles and can influence Chevrolet Tahoe insurance prices for different age categories. The information is based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
How accidents and violations affect rates
The example below demonstrates how speeding tickets and at-fault fender-benders impact Ford Focus auto insurance costs for different age groups. The information is based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
Comparison of auto insurance rates by gender and age in Opa-locka
The diagram below shows the difference between insurance costs for male and female drivers in Opa-locka. Data assumes no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in on a Toyota Corolla LE.
Toyota Corolla rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Determine discounts on Opa-locka auto insurance
The price of auto insurance can be rather high, but you may be missing some discounts that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.
- Student Discounts - Being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
- Low Mileage - Driving fewer miles may allow you to get lower prices due to less chance of an accident.
- Service Members Pay Less - Having a family member in the military may lower your prices slightly.
- Discounts for Multiple Vehicles - Having multiple cars or trucks on one policy can get a discount on all vehicles.
- Buy New and Save - Adding a new car to your policy can be considerably cheaper because newer vehicles are generally safer.
- Driver Training Discounts - Passing a course teaching defensive driver skills can save you 5% or more if you qualify.
- Government Employee Discount - Simply working for the federal government can save as much as 8% but check with your company.
- First Accident Forgiveness - This isn't a discount exactly, but a few companies such as State Farm, Progressive and GEICO will forgive one accident without getting socked with a rate hike as long as you don't have any claims for a specific time period.
- No Claim Discounts - Insureds with no claims or accidents are rewarded with significantly better rates on Opa-locka auto insurance quote as opposed to insureds who have frequent claims or accidents.
- Discount for Life Insurance - Insurance carriers who offer life insurance give a lower rate if you buy auto and life insurance together.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.
A few of the larger companies and some of the premium reductions they offer can be read below.
- 21st Century offers discounts including defensive driver, theft prevention, driver training, early bird, and 55 and older.
- State Farm includes discounts for multiple autos, safe vehicle, accident-free, multiple policy, driver's education, student away at school, and good student.
- AAA has discounts for anti-theft, good driver, pay-in-full, education and occupation, and multi-car.
- Liberty Mutual has savings for teen driver discount, hybrid vehicle, new move discount, safety features, and multi-car.
- Progressive policyholders can earn discounts including continuous coverage, good student, multi-policy, multi-vehicle, homeowner, online quote discount, and online signing.
When comparing rates, check with every prospective company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in Opa-locka. For a list of auto insurance companies that have a full spectrum of discounts in Florida, click this link.
Seven ways to find car insurance cheaper in Opa-locka
One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that go into determining your car insurance rates. If you know what impacts premium levels, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Many factors are taken into consideration when pricing auto insurance. Some are pretty understandable such as traffic violations, although some other factors are less obvious like where you live or your financial responsibility.
Listed below are most of the major factors used by your company to calculate your premiums.
Add-on coverages are wasting money - There are a lot of extra coverages you can purchase on your policy. Coverage for things like personal injury protection, towing coverage, and membership fees may be costing you every month. They may seem like a good idea when discussing your needs, but your needs may have changed so get rid of them and save.
Discounts for married drivers - Being married helps lower the price on your car insurance bill. It demonstrates that you tend to be more financially stable it has been statistically shown that married drivers get in fewer accidents.
Car insurance lapses raise rates - Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. In addition to paying higher rates, getting caught without coverage may earn you a hefty fine and possibly a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the Florida department of motor vehicles.
Fewer miles means better prices - The higher the mileage driven each year the higher your rates will be. The majority of insurers charge rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. It's a good idea to make sure your policy is rated on the right rating data.
Accidents will cost you - Even one speeding ticket or other violation can increase the cost of insurance substantially. Attentive drivers get better prices than people who have multiple driving citations. Drivers unfortunate enough to have severe citations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility with their state in order to continue driving.
Insure your auto and home with one company - Some car insurance companies will award better rates to buyers that have more than one policy. It's known as a multi-policy discount. Even if you're getting this discount it's always a smart idea to comparison shop to verify if the discount is saving money.
Lower rates come with age - Inexperience drivers are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates. Adding a inexperienced driver onto your car insurance will cause a huge premium hike. More mature drivers are viewed as being more responsible, cause fewer claims and accidents, and are generally more financially stable.
Do I need special coverages?
Always remember that when buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every insured's situation is different so your insurance should reflect that For instance, these questions might point out whether you would benefit from professional advice.
- Should I file a claim if it's only slightly more than my deductible?
- Am I covered if hit by an uninsured driver?
- How do I insure my teen driver?
- What states are considered no-fault?
- Do I need to file an SR-22 for a DUI in Florida?
- Is a driver training discount available?
- How can I get the company to pay a claim?
If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.
Local neighborhood agents and car insurance
Many people still like to go talk to an agent and that is a personal choice. Professional agents can help you build your policy and help file insurance claims. An additional benefit of comparing insurance prices online is the fact that you can find cheap car insurance rates but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, your insurance coverage information is instantly submitted to insurance agents in Opa-locka who will give competitive quotes and help you find cheaper coverage. There is no reason to drive around since rate quotes are delivered to you. If you have a need to compare prices from a specific car insurance provider, you can always search and find their rate quote page and fill out the quote form the provide.
Deciding on an insurer requires you to look at more than just a cheap quote. Any agent in Opa-locka should be willing to answer these questions.
- Do the companies they represent have a solid financial rating?
- Is coverage determined by price?
- Can you get a list of referrals?
- Do you need full coverage on every vehicle?
- Which family members are covered?
If you want to buy car insurance from a reputable agency, it can be helpful to understand the types of agencies and how they are slightly different. Car insurance policy providers can be classified as either independent or exclusive depending on the company they work for. Either one can insure your vehicles properly, but it's a good idea to understand the subtle differences since it may influence your selection of an agent.
Exclusive Car Insurance Agencies
Agents in the exclusive channel normally can only provide a single company's rates and examples are Farmers Insurance or State Farm. They are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive insurance agents are trained well on their company's products and that can be a competitive advantage. Some consumers prefer to use the same exclusive agent primarily because of the prominence of the brand rather than having the cheapest rates.
Independent Agents (or Brokers)
Independent agents are not limited to a single company and that is an advantage because they can write policies through many different car insurance companies depending on which coverage is best. If your agent finds better pricing, your policy is moved internally and you stay with the same agent.
When searching for an agent, you should always get rate quotes from several independent agencies to ensure the widest selection of prices. Most also write with less well-known companies which may have better rates.
After receiving positive feedback to all your questions and a low price estimate, you may have found an insurance agency that is professional and can properly service your car insurance policy. It's important to know that once you purchase a policy you can cancel a policy at any time so never feel you are locked into a policy for the full term.
Slick advertising tricks that work
Florida consumers can't escape the ads that claim the best prices by companies like GEICO, State Farm and Progressive. All the companies try to convey promises that you'll save big just by switching your policy.
But how can every company cost less than your current company? It's all in the wording.
Auto insurance companies have underwriting criteria for a prospective insured that makes them money. One example of a desirable risk might have to be over the age of 35, has never had a policy lapse, and drives a safe vehicle. Someone that meets those criteria will probably get cheap premium rates and most likely will save if they switch.
People who fall outside the ideal profile must pay a higher premium which translates to the customer buying from a different company. If you pay close attention to the ads, they say "customers that switch" not "all people who quote" can save as much as they claim. That is how companies can truthfully advertise the way they do. Because every company is different, you really need to get as many free Opa-locka auto insurance quotes as possible. It's just not possible to know which auto insurance company will have the lowest premium rates for your situation.
Don't give up on cheap rates
Discount car insurance in Opa-locka is definitely available both online as well as from independent agents in Opa-locka, and you should be comparing both to get a complete price analysis. There are still a few companies who may not provide internet price quotes and these regional carriers only sell through independent insurance agencies.
We just showed you many ways to lower your car insurance auto insurance rates in Opa-locka. It's most important to understand that the more quotes you get, the better likelihood of getting affordable Opa-locka auto insurance quotes. You may even be surprised to find that the biggest savings come from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
For more information, feel free to browse the articles below:
- Learn About Car Insurance (GEICO)
- Who Has the Cheapest Florida Auto Insurance for Drivers Over Age 50? (FAQ)
- How Much are Florida Car Insurance Quotes for a Ford F-150? (FAQ)
- Who Has Cheap Auto Insurance for Homeowners in Florida? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Florida? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)
- Understanding Limits and Deductibles (Allstate)