Miami Shores, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Miami Shores, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Miami Shores, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Miami Shores, FL Auto Insurance Rates
- Miami Shores, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Miami Shores, FL
- Multi Vehicle Insurance Savings in Miami Shores, FL
- How Credit Score Affects Car Insurance Rates in Miami Shores, FL
- How DUI Affects Auto Insurance Premiums in Miami Shores, FL
- Top Auto Insurance Agents Near Miami Shores, FL
- How Driving Violations Affect Auto Insurance Rates in Miami Shores, FL
- Miami Shores, FL Auto Insurance Discounts on Anti Theft Feature
Miami Shores, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Miami Shores, FL with that of other cities in and around Miami Shores.
| Miami Shores | Bay Harbor Islands | Indian Creek | El Portal | North Miami | Pinewood | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,536 | $2,405 | $1,687 | $2,368 | $2,155 | $2,140 |
Miami Shores, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Miami Shores, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Miami Shores | $1,684 | $1,422 |
| Biscayne Park | $2,500 | $2,111 |
| El Portal | $1,620 | $1,369 |
| North Bay Village | $1,316 | $1,112 |
| Pinewood | $1,470 | $1,241 |
| North Miami | $975 | $824 |
| Indian Creek | $1,621 | $1,369 |
| Bay Harbor Islands | $1,319 | $1,114 |
Miami Shores, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Miami Shores, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $8,229 |
| 20 Years | $3,258 |
| 30 Years | $2,510 |
| 40 Years | $2,415 |
| 50 Years | $2,236 |
| 60 Years | $2,267 |
| 70 Years | $2,639 |
Miami Shores, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Miami Shores, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $4,413 | $659 |
| 3 Vehicles | $6,619 | $989 |
| 4 Vehicles | $8,825 | $1,319 |
Savings on 2 Vehicles bundle:$659
Savings on 3 Vehicles bundle:$989
Savings on 4 Vehicles bundle:$1,319
Miami Shores, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Miami Shores, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Miami Shores | $2,536 | $3,969 |
| Biscayne Park | $2,427 | $3,798 |
| El Portal | $2,368 | $3,706 |
| North Bay Village | $2,281 | $3,570 |
| Pinewood | $2,140 | $3,349 |
| North Miami | $2,155 | $3,373 |
| Indian Creek | $1,687 | $2,640 |
| Bay Harbor Islands | $2,405 | $3,764 |
Miami Shores, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $2,176 |
| Excellent (740-799) | $2,484 |
| Good (670-739) | $2,643 |
| Average (580-669) | $3,448 |
| Poor (300-579) | $4,137 |
Miami Shores, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Sharon King | State Farm | 134 South Dixie Hwy Suite 101, Hallandale Beach, 33009 | 954-925-5490 |
| Enette Henderson | State Farm | 152 NE 167th St Ste 405, Miami, 33162-3400 | 305-949-8669 |
| Golden Global Insurance | None | 19950 W Country Club Dr 902, Aventura, 33180 | None |
| Aon Risk Services Inc Of Fl | Liberty Mutual Independent | 1001 BRICKELL BAY DR STE 1100, MIAMI, 33131 | (305) 372-9950 |
| Rick Burke | State Farm | 2250 S Dixie Hwy Ste 2, Miami, 33133-2360 | 305-860-0616 |
| Smith Watson Parker Insurance | None | 2590 Blvd, Hollywood, 33020 | None |
| Ileana Cabrera-Rodriguez | State Farm | 1925 Pnc D Leon Blvd, Coral Gables, 33134-4412 | 305-529-9966 |
| Robert Palmiotto | State Farm | 1126 SE 3rd Ave, Ft Lauderdale, 33316-1110 | 954-524-3619 |
| Preferred Insurance Of Florida, Inc. | None | 6115 Pkwy Ste C, Miramar, 33023 | None |
Miami Shores, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$112 | $2,648 |
| Driver's Failure In Showing Documents | +$246 | $2,782 |
| Driving With An Expired Registration | +$261 | $2,797 |
| Driving At A Considerably Slow Pace | +$550 | $3,086 |
| Using A Cellphone While Driving | +$581 | $3,117 |
| Running A Red Light | +$591 | $3,127 |
| Speeding | +$621 | $3,157 |
| Driving A Vehicle Without The Required Permission | +$789 | $3,325 |
| Driving With An Expired/Suspended License | +$1,709 | $4,245 |
Miami Shores, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,435 |
| Active Disabling Device | $2,435 |
| Tracking Device | $2,384 |
| Passive Disabling Device | $2,358 |