When you’re trying to find cheap car insurance in Miami, it might seem like you’re looking for a needle in a haystack. However, with the right amount of searching and the help of your friendly neighborhood auto insurance professionals, you can enjoy affordable car insurance rates.
Tips to Find Cheap Car Insurance in Miami
It’s difficult to find cheap car insurance in Miami because the auto insurance rates are some of the highest in the United States. Check out the following tips to aid your search for auto insurance in Miami.
Florida Auto Insurance Requirements
You have to determine how much coverage you need. Florida law requires drivers to carry a minimum of $10,000 of personal injury protection (PIP) to cover you, your passengers, and other authorized drivers if they are injured in a car accident. Additionally, Florida drivers are required to have at least $10,000 property damage liability to cover the other vehicle in the event of an accident.
While this is the absolute minimum, it’s recommended that drivers purchase bodily injury liability coverage in addition to the above. Depending on the limit covered by your policy, it pays for any injury-related expenses as a result of an accident. Comprehensive coverage pays for damage that doesn’t happen if a driver is in a collision. If your car catches fire, then it would be covered under comprehensive coverage.
When Shopping Around
Don’t forget to use your current policy’s information to compare to the rates you obtain while shopping. Include the amount of coverage you currently have and the yearly/month cost. While shopping, ensure to obtain customer satisfaction surveys, ask friends or family whether they’re happy with their services, and contact an independent insurance agent for additional information. Most importantly, find out how current/previous clients were treated after filing a claim.
Review Your Driving Record
It’s always a good idea to review your current driving record. If you have a few speeding tickets that are about to drop off, then it’s best to wait for them to clear your driving record. After these infractions are gone, your auto insurance rates should decrease.
When you’re shopping for car insurance in Miami, make certain you look for discounts like having a clean driving record, your car’s safety features, student discount, auto-pay discount, and other related discounts. Some insurance companies give discounts for young drivers with high GPAs.
Shop Around Every Six Months
It’s recommended you should get a new auto insurance quote every six months to obtain a cheaper car insurance rate. You’re not going to find an identical car insurance rate among Miami insurance carriers. Sometimes the savings from one company to the next can often be quite drastic.
Find Quality Miami Auto Insurance
The other thing to consider is the best car insurance may not always be the cheapest. If you have few assets, then perhaps the minimum will work just fine for you. If you’re in the market for a new car insurance policy, contact E&L Insurance, a trusted independent insurance agent providing Floridians with auto insurance solutions for more than 20 years.