Miramar Florida Car Insurance Agency Rates Compared

If you’re looking to buy car insurance, selecting the best Miramar insurance agent for your needs is harder than just randomly choosing from the yellow pages. Most likely you want a highly trained agent, but you also want affordable coverage.

With American Family, Allstate, State Farm and independent agents all competing for your business, it’s difficult to determine which provider will give you the best service and rates. To begin, you can use online quotes in order to build a list of agents and thier coverage prices.

Local Miramar car insurance agents

Agents can help determine the best coverages and give you peace of mind. The best thing about comparing rates online is that you can obtain the lowest rates and still have an agent to talk to. And supporting local agencies is especially important in Miramar.

To make it easy to find an agent, after completing this simple form, your information is emailed to local insurance agents who will return price quotes to get your business. There is no need to even leave your home as quotes are delivered to the email address you provide. How cool is that?!

Compare rates from both independent and captive auto insurance agents

When looking for a reliable agent, you need to know there are two different types of agents that you can select. Miramar agents can either be captive or independent. While both can do a good job, but it’s worth mentioning how they differ because it can influence the type of agent you choose

Independent Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, it’s recommended you contact at least one independent agent to have the most options to choose from. Many write coverage with lesser-known insurance companies which can save you money.

Below is a short list of independent insurance agencies in Miramar who may be able to give you comparison quotes.

  • E and E Insurance Svc – 3252 Foxcroft Rd – Miramar, FL 33025 – (954) 441-7035
  • CNS Insurance Group Inc – 6264 Miramar Pkwy – Miramar, FL 33023 – (954) 966-2400
Captive Insurance Agents

Captive insurance agents can only write with one company and examples are Allstate, AAA, Liberty Mutual and State Farm. They are unable to shop your coverage around so they have to upsell other benefits. These agents are well schooled on the products they sell which helps them compete with independent agents. Some people will only buy insurance from these agents mostly because of loyalty to the company and the convenience of having all coverages with one company.

Below is a short list of captive agencies in Miramar willing to provide comparison quotes.

  • State Farm Insurance – 16203 Miramar Pkwy – Miramar, FL 33027 – (954) 442-4022
  • Allstate Insurance – 6108 Miramar Pkwy – Miramar, FL 33023 – (954) 961-7504

To view a full list of captive insurance agents in Miramar, simply jump to this page.

Choosing an auto insurance agent requires more thought than just a cheap price. These questions are important to ask:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Is working in the agency their full-time job?
  • Who are their largest clients?
  • How are claims handled?
  • How long has their agency been in business in Miramar?
  • Is the agent and/or agency licensed to do business in Florida?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Which members of your family are coverage by the policy?

Upon getting satisfactory answers and an acceptable price quote, it’s possible that you found an auto insurance agent that meets your needs to adequately provide car insurance.

Do online insurance companies have lower rates?

Insurance agencies are important to many people, but you also have the option of buying Florida car insurance direct over the internet. Certain companies who sell through the agent channel also give you the ability to buy online, and consumers should do that.

If you’re uncomfortable with not having professional advice when shopping online, that should not be a issue. Insurance companies that allow you to purchase coverage all have client service departments for getting the best coverage. You may also access anytime access to help and a customer research section you can access prior to buying.

Is car insurance cheaper online? Many people swear by it, but it’s difficult to answer since companies use quite a few components that impact your premium. It would make sense to think that buying directly from the company saves money by not requiring a commission. In reality, promoting brand recognition is pricey and that impacts the rates consumers pay.

Find out more about car insurance

Additional car insurance information is available on the Florida Office of Insurance Regulation website. Click here for link. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, and download brochures.

Other informative sites include this site for car insurance information in Florida and this list of insurance agents in Miramar, FL.

In the end, you save

The cheapest car insurance is possible on the web as well as from independent agents in Miramar, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Consumers leave their current company for many reasons like extreme rates for teen drivers, lack of trust in their agent, being labeled a high risk driver or questionable increases in premium. Regardless of your reason for switching companies, finding the right car insurance provider can be pretty painless.