Finding cheaper auto insurance may be kind of frustrating for people who are new to shopping for insurance online. With such a large number of agents and insurance companies available, it can easily turn into a chore to find a more affordable company.

It's astonishing, but most auto insurance buyers have purchased from the same company for at least four years, and roughly 40% of drivers have never compared rates with other companies. Many drivers in North Miami could save nearly $1,100 a year just by getting comparison quotes, but most undervalue the amount of savings they would get if they changed companies.

You should take the time to shop coverage around occasionally because auto insurance prices fluctuate regularly. Just because you had the best deal on auto insurance a couple years back the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because you're about to learn one of the easiest ways to properly buy coverages while reducing your premium.

The purpose of this article is to teach you a little about how to effectively get price quotes. If you already have coverage, you will be able to get lower rates using the concepts covered in this article. But Florida vehicle owners need to learn how big insurance companies sell insurance online because rates fluctuate considerably.

Most major insurance companies like State Farm and Allstate allow consumers to get prices on the web. Comparing car insurance rates online doesn't take a lot of time because you just enter the amount of coverage you want into a form. When complete, the company's rating system will order credit information and your driving record and generates pricing information.

Using the web to get rate quotes helps simplify price comparisons, and it's absolutely necessary to perform this step if you are searching for a better rate.

In order to compare rates now, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you enter your coverages exactly as shown on your declarations page. This guarantees you are getting a fair comparison based on similar coverages.

The companies shown below have been selected to offer comparison quotes in Florida. If you want cheap car insurance in Florida, it's highly recommended you visit several of them to get the most affordable price.

Insurance Estimates for Popular Vehicles in North Miami
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,166 $583 $97
Chevrolet Malibu LT $1,146 $573 $96
Chevrolet Silverado LS Crew Cab 4WD $1,778 $889 $148
Dodge Grand Caravan SE $1,550 $775 $129
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,436 $718 $120
Ford Escape Limited 4WD $1,012 $506 $84
Ford F-150 FX4 Super Cab 4WD $1,300 $650 $108
Ford Focus SE 2-Dr Coupe $1,238 $619 $103
GMC Sierra Denali Crew Cab 2WD $1,538 $769 $128
Honda Accord LX-P 4-Dr Sedan $970 $485 $81
Honda CR-V EX-L 2WD $1,248 $624 $104
Honda Civic VP 4-Dr Sedan $1,480 $740 $123
Jeep Grand Cherokee Limited 4WD $1,158 $579 $97
Nissan Altima Hybrid 4-Dr Sedan $1,810 $905 $151
Toyota Camry SE $1,344 $672 $112
Toyota Corolla XRS $1,582 $791 $132
Toyota Prius $1,184 $592 $99
Get Your Own Custom Quote Go

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can influence premiums noticeably.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is how high should your deductibles be. The tables below show the differences in premium rates between low and high insurance deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Civic insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Civic VP 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic DX 2-Dr Coupe $312 $764 $522 $30 $156 $1,809 $151
Civic EX 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX-S 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Civic LX 2-Dr Coupe $312 $880 $522 $30 $156 $1,925 $160
Civic EX-L 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic SI 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic EX 2-Dr Coupe $358 $880 $522 $30 $156 $1,971 $164
Civic GX 4-Dr Sedan $358 $880 $418 $24 $124 $1,829 $152
Civic EX-L 2-Dr Coupe $358 $880 $522 $30 $156 $1,971 $164
Civic Hybrid 4-Dr Sedan $406 $764 $418 $24 $124 $1,761 $147
Civic SI 2-Dr Coupe $406 $994 $522 $30 $156 $2,133 $178
Get a Quote for Your Vehicle Go
Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $228 $438 $418 $24 $124 $1,232 $103
Civic VP 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic DX 2-Dr Coupe $228 $516 $522 $30 $156 $1,452 $121
Civic EX 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX-S 4-Dr Sedan $228 $516 $418 $24 $124 $1,310 $109
Civic LX 2-Dr Coupe $228 $594 $522 $30 $156 $1,530 $128
Civic EX-L 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic SI 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic EX 2-Dr Coupe $262 $594 $522 $30 $156 $1,564 $130
Civic GX 4-Dr Sedan $262 $594 $418 $24 $124 $1,422 $119
Civic EX-L 2-Dr Coupe $262 $594 $522 $30 $156 $1,564 $130
Civic Hybrid 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Civic SI 2-Dr Coupe $296 $672 $522 $30 $156 $1,676 $140
Get a Quote for Your Vehicle Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in specific location information which can decrease or increase price quotes considerably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $31 more each month or $372 for a full year than choosing the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 13 months between claim filings, you would save more money if you choose a higher deductible.

Discounts mean cheaper rates

Not too many consumers would say car insurance is affordable, but companies offer discounts that many consumers don't even know exist. Many of these discounts will be applied automatically when you get a quote, but occasionally some discounts must be requested specifically before you get the savings.Car insurance discounts

A quick disclaimer, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

To choose car insurance companies that provide some of the discounts listed above in North Miami, follow this link.

Why you might pay higher rates in North Miami

Smart consumers have a good feel for some of the factors that go into determining the level of your policy premiums. When you understand what impacts premium levels, this allows you to make good choices that could result in big savings. Many different elements are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although others are not quite as obvious like where you live or your vehicle rating.

The following are some of the items used by companies to determine rates.

It's not one size fits all

Always remember that when buying the best insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's situation is a little different so your insurance needs to address that.Insurance savings Here are some questions about coverages that may help highlight whether your personal situation might need an agent's assistance.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance advertising gotchas

Respected companies like State Farm and Allstate endlessly run ads on TV and radio. They all seem to advertise claims that drivers will save a bundle after switching your policy. How do they all make almost identical claims? This is the way they can do it.

Insurance providers quote the lowest rates for the type of driver that earns them a profit. For instance, a driver they prefer might be over the age of 35, has no tickets, and drives a safe vehicle. A customer getting a price quote who fits those characteristics will get very good North Miami prices and will also save quite a bit of money when switching.

Potential insureds who are not a match for those criteria must pay a higher rate and the customer not buying. If you listen closely, the ads state "drivers that switch" not "everyone who quotes" can save as much as they claim. This is how companies can make claims like that.

Each company has different criteria, so it is so important to quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will fit your personal profile best.

Keep this in mind when shopping around

When searching for cheap North Miami car insurance quotes, you should never reduce coverage to reduce premium. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best price.

We just showed you many ideas to shop for car insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable North Miami car insurance quotes. You may even find the best price on car insurance is with the smaller companies. Some small companies often have lower auto insurance rates on specific markets than the large multi-state companies such as Progressive and GEICO.

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