Palmetto Bay, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Palmetto Bay, 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 Palmetto Bay, 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.
- Palmetto Bay, FL Auto Insurance Rates
- Palmetto Bay, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Palmetto Bay, FL
- Multi Vehicle Insurance Savings in Palmetto Bay, FL
- How Credit Score Affects Car Insurance Rates in Palmetto Bay, FL
- How DUI Affects Auto Insurance Premiums in Palmetto Bay, FL
- Top Auto Insurance Agents Near Palmetto Bay, FL
- How Driving Violations Affect Auto Insurance Rates in Palmetto Bay, FL
- Palmetto Bay, FL Auto Insurance Discounts on Anti Theft Feature
- Palmetto Bay, FL Auto Insurance Company Reviews
Palmetto Bay, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Palmetto Bay, FL with that of other cities in and around Palmetto Bay.
| Palmetto Bay | Cutler Bay | Kendall | Palmetto Estates | Kendall-Palmetto Bay | Richmond Heights | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,545 | $1,029 | $1,964 | $2,181 | $2,451 | $2,149 |
Palmetto Bay, 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 Palmetto Bay, 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) |
|---|---|---|
| Palmetto Bay | $1,889 | $1,596 |
| Palmetto Estates | $1,458 | $1,232 |
| Kendall-Palmetto Bay | $1,485 | $1,255 |
| West Perrine | $2,016 | $1,703 |
| Pinecrest | $1,930 | $1,630 |
| Cutler Bay | $2,303 | $1,945 |
| Richmond Heights | $1,711 | $1,445 |
| Kendall | $1,756 | $1,483 |
Palmetto Bay, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Palmetto Bay, 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 | $8,258 |
| 20 Years | $3,270 |
| 30 Years | $2,519 |
| 40 Years | $2,423 |
| 50 Years | $2,244 |
| 60 Years | $2,275 |
| 70 Years | $2,649 |
Palmetto Bay, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Palmetto Bay, 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 | $4,479 | $611 |
| 3 Vehicles | $6,719 | $916 |
| 4 Vehicles | $8,958 | $1,222 |
Savings on 2 Vehicles bundle:$611
Savings on 3 Vehicles bundle:$916
Savings on 4 Vehicles bundle:$1,222
Palmetto Bay, 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 Palmetto Bay, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Palmetto Bay | $2,545 | $3,983 |
| Palmetto Estates | $2,181 | $3,413 |
| Kendall-Palmetto Bay | $2,451 | $3,836 |
| West Perrine | $2,147 | $3,360 |
| Pinecrest | $2,027 | $3,172 |
| Cutler Bay | $1,029 | $1,610 |
| Richmond Heights | $2,149 | $3,363 |
| Kendall | $1,964 | $3,074 |
Palmetto Bay, 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) | $2,184 |
| Excellent (740-799) | $2,493 |
| Good (670-739) | $2,652 |
| Average (580-669) | $3,460 |
| Poor (300-579) | $4,151 |
Palmetto Bay, 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 |
|---|---|---|---|
| Florida Bankers Insurance | Travelers | 7278 SW 8TH ST, MIAMI, 33144 | 305-266-6493 |
| Luis Insurance | Travelers | 6851 BIRD ROAD, MIAMI, 33155 | 305-667-7700 |
| Arnoldo J Arguello | Allstate | 11240 N Kendall Dr Ste 203, Miami, 33176 | (305) 764-3641 |
| Wells Fargo Ins Services Usa Inc | Liberty Mutual Independent | 2601 S BAYSHORE DR STE 1600, COCONUT GROVE, 33133 | (305) 443-4886 |
| Nick Waddell | State Farm | 11205 S Dixie Hwy Ste 200, Pinecrest, 33156-4447 | 305-238-0500 |
| Heather Hewitson | Allstate | 13617 S Dixie Hwy Ste 122, Miami, 33176 | (305) 383-0997 |
| Kahn Carlin Insurance | None | 3350 S. Dixie Highway, Miami, 33133 | (305) 894-9758 |
| Lincoln Insurance Agency Inc | Travelers | 1657 WEST AVE, MIAMI BEACH, 33139 | 305-534-7702 |
| Morris & Reynolds Insurance | None | 14821 South Dixie Highway , Miami, 33176 | (561) 571-3211 |
| Dunham Insurance Services Inc | Travelers | 2601 E OAKLAND PARK BLVD 303, FT LAUDERDALE, 33306 | 954-564-7772 |
Palmetto Bay, 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 | $2,657 |
| Driver's Failure In Showing Documents | +$247 | $2,792 |
| Driving With An Expired Registration | +$262 | $2,807 |
| Driving At A Considerably Slow Pace | +$552 | $3,097 |
| Using A Cellphone While Driving | +$583 | $3,128 |
| Running A Red Light | +$593 | $3,138 |
| Speeding | +$624 | $3,169 |
| Driving A Vehicle Without The Required Permission | +$791 | $3,336 |
| Driving With An Expired/Suspended License | +$1,715 | $4,260 |
Palmetto Bay, 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 | $2,443 |
| Active Disabling Device | $2,443 |
| Tracking Device | $2,392 |
| Passive Disabling Device | $2,367 |
Latest Auto Insurance Reviews in Palmetto Bay, FL | Back to Top
GeicoI have Geico Insurance. I like them a lot. When i have filed claims they were very quick with the process. I have had other auto insurance before but by far they have been the best
ProgressiveI like the no hassle convenience of being to chat with an agent through the app 24/7. I am also very happy that I can get comprehensive coverage for such a low premium.