To find a good Miami agent, you can start your search by getting online comparison quotes instead of calling around. You require an excellent agent, but also need decent rates too.
Companies like State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.
Buying auto insurance from a local Miami agent
Insurance agents can answer important questions and give you peace of mind. The best thing about price shopping on the web is you may find better rates and still have an agent to talk to.
After completing this simple form, the coverage information is submitted to participating agents in Miami who will compete for your insurance coverage. You don’t have to even leave your home because quoted prices will be sent to the email address you provide. How’s that for easy!
Selecting an insurance agency requires more thought than just the price. These questions are important to ask:
- If your car is totalled, how to they determine the replacement cost?
- Who are their largest clients?
- Will your rates increase after a single accident?
- Which company do they place the most coverage with?
- How much will you save each year by using a higher deductible?
- How are claims handled?
- Does the agency provide any after hours assistance?
- Do the companies they represent have a solid financial rating?
Shown below is a list of auto insurance agents in Miami that can give you comparison quotes.
Occidental Insurance Undrwrtrs – 11400 W Flagler St # 111, Miami, FL 33174 – (305) 221-9859
Liberty Mutual – 13027 SW 88th St, Miami, FL 33186 – (305) 385-3449
Rgl Insurance – , Miami, FL 33169 – (305) 652-0552
Allstate Insurance – 2460 SW 137th Ave # 240, Miami, FL 33175 – (305) 227-1117
State Farm Insurance – 7950 W Flagler St # 103, Miami, FL 33144 – (305) 264-7157
S Florida Agency – 9130 S Dadeland Blvd # 1400, Miami, FL 33156 – (305) 670-4400
Once you have answers to your satisfaction for all questions you ask and a low price estimate, you have narrowed it down to an insurance agent that meets your needs to properly service your auto insurance policy.
Also consider buying auto insurance direct
Car insurance agents serve a purpose, but you can also buy Florida car insurance from online companies direct. Some specific companies like State Farm and Allstate that sell primarily through agents also give you the option to get quotes and purchase online, so that should be considered to possibly find a better rate.
If you’re worried about not having an agent to talk to when buying car insurance direct, don’t sweat it. Online car insurance companies that allow you to purchase coverage provide options for getting questions answered. Most companies also provide extensive coverage information and 24/7 assistance so buying online is not difficult.
Do online companies have better rates? Many people swear by it, but it’s difficult to answer because of the number of factors that influence the price you pay. You may think that purchasing direct online saves money because there is no commission. But the reality is getting their brand in front of customers is expensive and this tends to eat up any savings.
If the lowest price is important, the best way to know where you can get the lowest rate, either online or from agents, is to compare price quotes from both. You can actually get different rates from the SAME company if you compare an online quote to agent rates.
Additional detailed information can be read at the Florida Office of Insurance Regulation website. Florida drivers can find a variety of consumer forms, read consumer alerts, report car insurance fraud, and learn about specific coverages.
More quotes mean more savings
People change insurance companies for any number of reasons including denial of a claim, policy non-renewal, delays in paying claims and high rates after DUI convictions. Regardless of your reason, finding a great new company can be easy and end up saving you some money.
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at an affordable rate.