Do you need a fast way to compare more affordable insurance rates in Aventura, FL? Searching for better insurance prices for a car in Florida can normally be difficult, but you can use the following methods to make it easier. There is a better way to compare insurance rates so we're going to tell you the best way to get price quotes on a and get the lowest price from Aventura insurance agents and online providers.
Unbelievable but true according to a study nearly 70% of Florida drivers kept their policy with the same company for four years or more, and nearly half have never shopped around. American insurance shoppers can cut their rates by $850 a year just by comparing rates, but they underestimate the amount of money they would save if they replace their high priced policy.
Buying the cheapest car insurance in Aventura can initially seem challenging. If you have insurance now or need new coverage, you can learn to reduce the price you pay without sacrificing coverage. Smart buyers just need to learn the least time-consuming way to shop from multiple carriers.
Best companies for Florida car insurance
The following companies are our best choices to provide price comparisons in Aventura, FL. To find the best cheap auto insurance in Florida, it's highly recommended you visit as many as you can in order to find the most competitive rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$1,088||$544||$91|
|Chevrolet Malibu LS||$1,594||$797||$133|
|Chevrolet Silverado LT Regular Cab||$1,406||$703||$117|
|Dodge Ram Quad Cab Laramie 2WD||$1,700||$850||$142|
|Ford Escape Limited 4WD||$1,068||$534||$89|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,400||$700||$117|
|Ford Focus SES 2-Dr Coupe||$1,456||$728||$121|
|GMC Sierra SL Crew Cab 2WD||$1,368||$684||$114|
|Honda Accord EX 4-Dr Sedan||$822||$411||$69|
|Honda CR-V LX 2WD||$1,164||$582||$97|
|Honda Civic SI 2-Dr Coupe||$2,176||$1,088||$181|
|Jeep Grand Cherokee Limited 4WD||$1,042||$521||$87|
|Mazda 3 I Sport 4-Dr Sedan||$1,264||$632||$105|
|Nissan Altima 2.5 4-Dr Sedan||$1,626||$813||$136|
|Nissan Rogue SL AWD||$1,310||$655||$109|
|Toyota Camry XLE||$1,022||$511||$85|
|Toyota Corolla XRS||$1,560||$780||$130|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in your specific Aventura location which can alter premiums significantly.
Tickets and at-fault accidents raise rates
The diagram below highlights how traffic violations and at-fault claims increase Honda Pilot premium costs for each age group. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Physical damage deductible comparison
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The data tables below sum up the cost difference when you choose different insurance deductibles. The first data set uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$280||$446||$354||$20||$106||$1,231||$103|
|Elantra Blue 4-Dr Sedan||$280||$640||$418||$24||$124||$1,511||$126|
|Elantra GLS 4-Dr Sedan||$322||$640||$418||$24||$124||$1,553||$129|
|Elantra SE 4-Dr Sedan||$322||$640||$418||$24||$124||$1,553||$129|
|Elantra SE Touring Station Wagon||$322||$544||$354||$20||$106||$1,371||$114|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$174||$280||$354||$20||$106||$934||$78|
|Elantra Blue 4-Dr Sedan||$174||$402||$418||$24||$124||$1,142||$95|
|Elantra GLS 4-Dr Sedan||$200||$402||$418||$24||$124||$1,168||$97|
|Elantra SE 4-Dr Sedan||$200||$402||$418||$24||$124||$1,168||$97|
|Elantra SE Touring Station Wagon||$200||$342||$354||$20||$106||$1,022||$85|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can lower or raise rates substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $30 more each month or $360 each year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 25 months between claim filings, you would most likely save money by selecting a higher deductible.
Auto insurance policy discounts you can't miss
Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that you may not even know about. Certain reductions will be credited when you get a quote, but occasionally some discounts must be inquired about in order for you to get them.
- Switch and Save Discount - A few auto insurance companies offer discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.
- Discounts for Federal Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
- Paperless Signup - Certain companies will discount your bill up to fifty bucks get Aventura auto insurance online.
- Passenger Safety Discount - Options like air bags may qualify for discounts of more than 20%.
- Full Payment Discount - By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
As is typical with insurance, most credits do not apply to the entire policy premium. Most 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, companies wouldn't make money that way.
Car insurance companies who might offer these benefits possibly include:
It's a good idea to ask each company or agent the best way to save money. Savings might not be available to policyholders in Aventura.
How to know if you need help
When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Your situation is unique.
For instance, these questions may help you determine if your insurance needs would benefit from professional advice.
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is my state a no-fault state?
- Does coverage extend to a rental car in a foreign country?
- Can I drive in Mexico and have coverage?
- Should I rate my vehicle as business use?
- Is my vehicle covered for smoke damage?
- At what point should I drop full coverage?
- Can I make deliveries for my home business?
If you can't answer these questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.
Do I need an agent?
A small number of people prefer to get professional advice from a licensed agent and that can be a smart move Professional insurance agents can answer important questions and will help you if you have claims. One of the great benefits of comparing insurance prices online is that you can find lower premium rates and still choose a local agent.
Once you complete this simple form, your insurance data is instantly submitted to companies in Aventura that provide free Aventura auto insurance quotes and help you find cheaper coverage. You don't have to visit any agencies since price quotes are sent directly to your email. If you want to get a comparison quote for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
Choosing a insurer needs to be determined by more than just a cheap price. These are some questions you should get answers to.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Which company do they place the most coverage with?
- Does the agency have a positive business rating?
- Do they carry Errors and Omissions coverage?
- Are you getting all the discounts the company offers?
- Which companies do they recommend if they are an independent agency?
- When do they do policy reviews?
If you are wanting to find a local insurance agency, it helps to know the two types of agencies that you can select. Agencies in Aventura can either be exclusive or independent agents depending on their company appointments. Both insure your vehicles, but it's good to learn how they differ since it can affect buying decisions.
Exclusive agencies can only place business with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot shop your coverage around so they really need to provide good service. They are very knowledgeable on their company's products which aids in selling service over price. Many people buy from the same agent for years primarily because of the prominent brand name and the convenience of having all coverages with one company.
Independent Insurance Agents
These type of agents are appointed with more than one company and that is an advantage because they can write policies through many different insurance companies and find you the best rates. If you want to switch companies, they simply switch companies in-house and you don't have to find a new agent.
When comparing insurance rates, you should always include multiple independent agents for the best price selection. Many write coverage with smaller regional carriers which can save you money.
Save 15 percent in 15 minutes? Is it for real?
Consumers in Florida can't avoid all the ads for the lowest price auto insurance from the likes of State Farm, Allstate and GEICO. All the ads say the same thing that drivers will save a bundle if you get a free Aventura auto insurance quote and switch to them.
How does every company cost less than your current company? It's all in the words they use.
Many companies quote their best rates for the type of driver they prefer to insure. One example of a profitable customer might have to be between 30 and 50, has never had a claim, and drives a lower-performance vehicle. Any person who fits those characteristics may get the lowest rates in Aventura and will also cut their rates substantially.
Insureds who don't qualify for the "perfect" profile will have to pay a higher rate which usually ends up with the customer buying from someone else. If you pay attention, the ads say "customers who switch" but not "everyone who gets a quote" save that much money. That's the way companies can lure you into getting a quote. Because each company has a different risk profile, you really should get as many free Aventura auto insurance quotes as possible. Because without a comparison, you cannot know which company will have the best rates for your profile.
Persistence pays off
When buying insurance coverage, never buy less coverage just to save a little money. There have been many cases where an insured cut liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
People who switch companies do it for a variety of reasons including policy cancellation, not issuing a premium refund, policy non-renewal and even lack of trust in their agent. It doesn't matter what your reason, choosing a new insurance company can be easy and end up saving you some money.
Budget-conscious car insurance is attainable from both online companies as well as from insurance agents, so you should compare both to get a complete price analysis. Some car insurance companies may not offer price quotes online and these smaller companies work with local independent agents.
For more information, link through to the following helpful articles:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How Much is Auto Insurance for Teenage Females in Florida? (FAQ)
- Who Has the Cheapest Florida Auto Insurance for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Florida Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Seniors in Florida? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers with a DUI in Florida? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Tucson in Florida? (FAQ)
- Who Has Cheap Florida Auto Insurance Rates for Drivers Under 21? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Equinox in Florida? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Crash Avoidance Technologies FAQ (iihs.org)