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Auto Insurance in Miami, Florida September 25, 2009

Posted by newboyinfl in Miami Auto Insurance.
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Tourists The sub-tropical climate in Miami makes it different from other major USA cities. Approximately 12 million visitors per year ranks Miami, Fl as one of the nations top vacation destinations. Florida’s tourism industry provides a huge rental car market.

miami auto insurance 3Thousands of people driving in unfamiliar vehicles and surroundings are a combination that increases the likelihood of accidents.

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Foreign nationals There are a staggering number of people from another country who live in Miami, Florida permanently. In 2006 Miami-Dade County, Florida had the highest percentage (50.3 percent) of foreign born residents relative to the total state population (Migration Policy Institute).

Many of these drivers do not speak English, do not understand the “rules of the road”, and never obtain a Florida drivers license. These realities increase the hazard of car accidents.

Are you driving less than when you started your policy? Let your agent know and they will lower your rates due to a decrease in risk.

2.  How much coverage do you need?  If you own your vehicle outright, find out how much it’s worth either with the NADA or Kelly Blue Book, If its less than $6,000 or $7,000 ask yourself if having full coverage on it is worth it.  If it gets totaled, getting a similar car won’t be a stretch.

Find out what your state requires as minimum coverage. Miami Auto Insurance

An insurance agent who exclusively represents one company is a captive agent. Allstate utilizes captive agents. Independent agents represent a variety of insurance companies.

These types of insurance agents are not directly employed by insurance companies and receive a commission, from the company not the consumer, when a policy is sold. Direct writers, such as Geico, employ personnel and pay them a salary.

Progressive is an example of a company which uses independent agents and employees of the company to sell their policies.
Tip: The price for a Progressive policy varies depending on how it’s purchased; through an independent agent or directly from the company.

“Cutting corners” is another way to spend less. Smoking fewer cigarettes, or quitting, will save money and improve your health. Once again, for insurance it’s not so obvious. It’s reasonable to assume that reducing the amount of coverage on your automobile insurance policy will lower your premium.

You might also want to have a credit card or assessment ready in case you need to make a situate once you find the right auto insurance policy for you.

Crucial Questions to Ask Auto Insurance Agents

After youve obtained general car insurance quotes online, its time to ask these crucial questions so you can narrow your options. But even before you contact agents, study all the kinds of coverage and tongue so youll have an sensing of how car insurance works.

The more you know, then the easier it will be to want an auto insurance policy.

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