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Miami FL

The phrase Miami is not often spoken unless it is in the negative sense. Miami is one of the most expensive cities in the United States in which to get car insurance, which makes shopping around for a good deal imperative. While you can’t expect super cheap rates, you can make a major dent in the high rates and find some form of cheap auto insurance in Miami with a little effort.

 

An Uphill Battle

Miami Beach SignJust so you have an idea of what you are dealing with, the average cost of an auto insurance policy in Miami over the course of a year is $2,383. The average for the state of Florida is $1,723 and the average for the nation as a whole is $1,442. The reason auto insurance is more expensive in Miami is because you and your vehicle have to fight the weather (tropical storms), higher crime rates, traffic conditions that lead to more accidents and a higher cost of living.

 

Avoiding Accidents

The risk of your vehicle being in an auto accident is rather high in a city like Miami, so you want to reduce this risk, and thus reduce your rates. Driving less is one way to do this. Car pool to work and/or take advantage of public transportation to reduce your normal mileage and you can save. A vehicle with a good overall safety rating and plenty of quality safety features such as dual-side air bags, traction control, anti-lock brakes and daytime running lights can help as well. Of course, a good driving record and safe driving practices can keep your rates low and keep you out of accidents and high-cost claims.

 

Fight Crime

Another way to cut costs in your search for cheap auto insurance in Miami is to protect your vehicle from the higher crimes rates in the city. Vehicles with good security systems or anti-theft devices save drivers on insurance premiums. A vehicle alarm, keyless entry, remote engine shut-off and simple devices such as the Club can prevent your car from being stolen. To reduce the chances of your vehicle being vandalized, park your car in your garage at home. When parking in other places, try to stay away from dark or dimly lit corners.

 

Cheaper Policies

There is nothing you can do to lower the cost of living in Miami, but there are a few things you can do to lower its impact on your auto insurance rates. First, pay close attention to your car insurance policy and measure it against exactly the coverage you need. You may find out you are paying for little things you don’t need to be paying for. They can quickly add up over the course of a year and prevent you from finding cheap auto insurance in Miami. Also, make sure your deductible is at least $500. This will result in cheaper premiums because you are taking some of the risk onto your own shoulders.

 

Comparison Shopping

Finally, in order to bring all the tips and knowledge you have to bear, you need to shop around to find the best rates in the city. Miami auto insurance companies vary greatly in their rates, which mean you have the opportunity, if you take a few minutes to compare rates, to find cheap auto insurance in Florida. Online rate quotes are free and take only a few minutes, but they can offer you hundreds in savings and the chance at cheap auto insurance in Miami.

 

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