Do you want an efficient way to compare cheaper Kia Spectra insurance in Miami? Scraping up a payment for pricey Kia Spectra insurance in Miami can stress out your personal savings and make it hard to pay other bills. Doing a rate comparison is a smart way to lower your bills every month.
It’s easy to assume that insurance companies don’t want you shop around. Insureds who compare rates once a year are very likely to buy a new policy because they have good chances of finding discount prices. A recent survey discovered that people who shopped around saved as much as $865 a year as compared to drivers who didn’t regularly shop around.
If finding discount rates on Kia Spectra insurance in Miami is the reason for your visit, knowing how to find and compare car insurance can save money and time. Online insurance companies like State Farm and GEICO persitently shower you with advertising and consumers find it hard to see past the geckos and flying pigs and find the best price available.
If you have coverage now or just want cheaper coverage, you can follow these tips to reduce premiums and still have adequate protection. Finding the cheapest insurance coverage in Miami seems hard but is not really that difficult. Smart buyers just need to use the least time-consuming way to get comparison rates instantly.
Companies offering Kia Spectra insurance in Florida
The following companies are ready to provide quotes in Miami, FL. To get the best car insurance in Miami, FL, it’s a good idea that you visit several of them to get the best price comparison.
How Your Spectra Insurance Costs are Determined
One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that play a part in calculating your insurance rates. If you understand what determines base rates, this helps enable you to make changes that can help you get cheaper rates.
- Age of drivers – Youthful drivers in Florida are known to be less responsible behind the wheel so they pay higher insurance rates. Adding a young driver onto your insurance can increase premiums substantially. Older insureds have been proven to be more responsible, statistically cause fewer accidents, and receive fewer citations.
- Don’t cut corners with liability – Your policy’s liability coverage kicks in when you are responsible for physical damage or personal injury to other. It provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
- Lower coverage deductibles cost more – Comp and collision deductibles tell how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of some claims that would be covered could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more money the insured has to pay upfront, the less your company will charge you for insurance.
- Females pay lower rates – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean women are better drivers. Both sexes are in fender benders in similar percentages, but the males tend to have more serious accidents. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI).
- How’s your driving record? – How you drive impacts your car insurance rates tremendously. Only having one chargeable violation may cause rates to rise by twenty percent. Attentive drivers receive lower rates as compared to those with violations. Drivers who have gotten license-revoking violations like hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
- Affects performance affects auto insurance premiums – The make and model of the car or truck you are buying insurance for makes a huge difference in how high your rates are. Smaller low performance passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
- Insurance policy lapses increase insurance rates – Having a gap between insurance policy dates will be a fast way to increase your renewal premiums. Not only will rates go up, failure to provide proof of insurance may result in a steep fine or even jail time.
Kia Spectra insurance discounts in Miami
Insurance is not cheap nor is it fun to buy but there could be available discounts to cut the cost considerably. A few discounts will be applied when you complete an application, but lesser-known reductions have to be inquired about prior to getting the savings.
- Safe Drivers – Drivers without accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Claim-Free Discount – Miami drivers who stay claim-free get the best insurance rates when compared with bad drivers.
- Senior Discount – Drivers over the age of 55 are able to get a small decrease in premiums.
- Savings for New Vehicles – Insuring a new Spectra can save you some money because new vehicles are generally safer.
- Federal Government Employee – Federal government employees could provide a small rate reduction depending on your company.
- College Student – Youth drivers who attend college more than 100 miles from Miami and do not take a car to college could qualify for this discount.
- Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
- Discounts for Multiple Vehicles – Insuring multiple cars with the same company may reduce the rate for each vehicle.
Just know that most discounts do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic. Any qualifying discounts will cut your overall premium however.
Large insurance companies and the discounts they provide are detailed below.
- Farmers Insurance has savings for good student, alternative fuel, youthful driver, business and professional, early shopping, pay in full, and mature driver.
- Esurance discounts include online quote, DriveSense, homeowner, claim free, anti-lock brakes, safety device, and online shopper.
- State Farm offers discounts for good driver, defensive driving training, Steer Clear safe driver discount, good student, anti-theft, multiple autos, and accident-free.
- GEICO policyholders can earn discounts including anti-theft, driver training, multi-policy, air bags, membership and employees, and good student.
- Allstate may offer discounts for premier plus, resident student, premier discount, economy car, farm vehicle, and safe driver.
Before you buy a policy, ask all companies you are considering which credits you are entitled to. A few discounts may not be available in Miami.
Get rate quotes but work with a local Miami insurance agency
Many drivers prefer to visit with an insurance agent and doing that can be a smart decision Professional insurance agents are very good at helping people manage risk and help you file claims. A nice benefit of comparing rate quotes online is that you can find cheap auto insurance quotes and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Miami.
By using this quick form, your insurance data is transmitted to local insurance agents who want to provide quotes for your insurance coverage. You won’t need to leave your house because prices are sent directly to your email. In the event you want to get a price quote from a specific auto insurance provider, just go to their quote page and give them your coverage information.
Finding a good insurer is decision based upon more than just the premium amount. Any agent in Miami should be willing to answer these questions.
- Can you choose the body shop in case repairs are needed?
- Do they have 24-hour customer assistance?
- If your car is totaled, how to they determine the replacement cost?
- Are they properly licensed to sell insurance in Florida?
- Is vehicle damage repaired with OEM or aftermarket parts?
Florida car insurance companies
Ending up with the top car insurance company can be rather challenging considering how many different insurance companies sell coverage in Miami. The rank data listed below can help you decide which car insurance companies to look at purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare but don’t skimp
Throughout this article, we presented some good ideas how you can lower your Kia Spectra insurance rates in Miami. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the most savings is with some of the lesser-known companies. Smaller companies may often insure only within specific states and give better rates than their larger competitors like State Farm and Allstate.
As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.
How to find cheaper rates for Kia Spectra insurance in Miami
If saving money is your primary concern, then the best way to find cheaper prices for car insurance rates in Miami is to start comparing rates regularly from insurance carriers who provide auto insurance in Florida.
- First, it will benefit you to learn about the different coverages in a policy and the steps you can take to prevent rate increases. Many policy risk factors that cause high rates such as your driving record and a substandard credit history can be amended by making small lifestyle or driving habit changes.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can quote rates from many different companies.
- Third, compare the new rate quotes to your existing policy to see if you can save by switching companies. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Fourth, provide proper notification to your current company to cancel your current auto insurance policy. Submit a signed application and payment for the new coverage. Once received, put the proof of insurance certificate along with your vehicle registration.
An important bit of advice to remember is to use the same deductibles and limits on each price quote and and to look at as many companies as you can. This enables a fair rate comparison and maximum price selection.
Additional articles
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Ride Shares in Miami? (FAQ)
- Who Has Affordable Miami Auto Insurance Rates for a Ford F-150? (FAQ)
- What Auto Insurance is Cheapest for Safe Drivers in Miami? (FAQ)
- How Much is Car Insurance for Postal Workers in Miami? (FAQ)
- How Much are Miami Car Insurance Quotes for Retired Military? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Learn About Car Insurance (GEICO)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)