To find a good Miami agent, it’s recommended you do the preliminary legwork for an agent online to save yourself time. For this article’s sake, it’s assumed you want a competent insurance agent, but you also want to find the lowest possible price.
With companies like Allstate, Farmers, State Farm and many independent agents having offices in Miami, it can be hard to know which will provide the cheapest rates and the best coverage. Fortunately, it’s easy to use online price quotes to assemble a group of agencies to choose from.
Licensed agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of getting online price quotes is you can get the lowest rates but also keep your business local. And supporting local insurance agencies is important particularly in Miami.
To help locate an agent, after submitting this short form, the coverage information is submitted to local insurance agents who will give you bids for your coverage. There is no need to leave your computer since price quotes are sent to your email. How’s that for easy!
When looking for a local agent, there are a couple of different types of agents that you can select. Agencies in Miami can either be independent or captive. While both can write coverage properly, but it’s worth mentioning the difference between them since it can impact your agent selection.
Independent agencies do not work for one specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, we recommend you include multiple independent agents to get the best comparison. Most have the option of insuring with smaller companies who may have lower rates.
Below is a list of independent insurance agents in Miami that can give you pricing information.
Captive insurance agents work for only one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so it’s a take it or leave it situation. Captive agencies are well schooled on the products they sell which helps them compete with independent agents. Some people will only buy from captive agents partially due to loyalty to the company and solid financial strength.
The following are captive insurance agents in Miami willing to provide comparison quotes.
To view a complete directory of Miami captive agencies, visit this site.
Deciding on an insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
Upon receiving positive responses to these questions and locked in a price quote, you’ve probably found an insurance agent that is a good match to properly insure your vehicles.
Licensed agents are a valuable resource, but you can also buy Florida car insurance direct from companies that only sell online. Some specific companies that are more known for using agents, also allow consumers to buy a policy online, so this should also be taken into consideration if you are the do-it-yourself type.
If you’re anxious about not getting proper coverage when buying car insurance direct, don’t let it bother you. Companies provide toll-free numbers to answer your questions. Many online companies also provide online help and live chat you can access prior to buying.
Does car insurance cost less online? The answer is complex since there may be dozens of rate factors that influence your rates. Some people will tell you that going direct reduces premiums because there is no agent. In many cases, there are high advertising and marketing costs and this drives up their premium costs.
Much more information about auto insurance in Florida can be read on the Florida Office of Insurance Regulation website found here. Florida drivers can find a variety of consumer forms, read consumer alerts, and read industry bulletins.
The following articles may also be useful.
Low-cost auto insurance can be bought both online as well as from independent agents in Miami, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.
As you prepare to switch companies, never reduce needed coverages to save money. In many instances, someone dropped physical damage coverage only to find out that they should have had better coverage. Your goal should be to buy the best coverage you can find at an affordable rate.