Miami Heights, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Miami Heights, 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 Heights, 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 Heights, FL Auto Insurance Rates
- Miami Heights, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Miami Heights, FL
- Multi Vehicle Insurance Savings in Miami Heights, FL
- How Credit Score Affects Car Insurance Rates in Miami Heights, FL
- How DUI Affects Auto Insurance Premiums in Miami Heights, FL
- Top Auto Insurance Agents Near Miami Heights, FL
- How Driving Violations Affect Auto Insurance Rates in Miami Heights, FL
- Miami Heights, FL Auto Insurance Discounts on Anti Theft Feature
- Miami Heights, FL Auto Insurance Company Reviews
Miami Heights, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Miami Heights, FL with that of other cities in and around Miami Heights.
| South Miami Heights | Richmond Heights | Princeton | West Perrine | Cutler Bay | Goulds | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,491 | $2,149 | $2,186 | $2,147 | $1,029 | $2,183 |
Miami Heights, 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 Heights, 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) |
|---|---|---|
| South Miami Heights | $952 | $804 |
| West Perrine | $2,016 | $1,703 |
| Goulds | $1,238 | $1,046 |
| Palmetto Estates | $1,458 | $1,232 |
| Richmond West | $1,841 | $1,555 |
| Richmond Heights | $1,711 | $1,445 |
| Cutler Bay | $2,303 | $1,945 |
| Princeton | $1,748 | $1,476 |
Miami Heights, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Miami Heights, 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 | $4,838 |
| 20 Years | $1,916 |
| 30 Years | $1,476 |
| 40 Years | $1,420 |
| 50 Years | $1,315 |
| 60 Years | $1,333 |
| 70 Years | $1,552 |
Miami Heights, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Miami Heights, 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 | $2,624 | $358 |
| 3 Vehicles | $3,936 | $537 |
| 4 Vehicles | $5,248 | $716 |
Savings on 2 Vehicles bundle:$358
Savings on 3 Vehicles bundle:$537
Savings on 4 Vehicles bundle:$716
Miami Heights, 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 Heights, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| South Miami Heights | $1,491 | $2,333 |
| West Perrine | $2,147 | $3,360 |
| Goulds | $2,183 | $3,417 |
| Palmetto Estates | $2,181 | $3,413 |
| Richmond West | $2,255 | $3,529 |
| Richmond Heights | $2,149 | $3,363 |
| Cutler Bay | $1,029 | $1,610 |
| Princeton | $2,186 | $3,421 |
Miami Heights, 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) | $1,279 |
| Excellent (740-799) | $1,460 |
| Good (670-739) | $1,554 |
| Average (580-669) | $2,027 |
| Poor (300-579) | $2,432 |
Miami Heights, 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 |
|---|---|---|---|
| E & L Insurance Services Inc | Travelers | 1241 SW 27 AVE, MIAMI, 33135 | 305-541-1002 |
| Maria Elena Cisneros | State Farm | 9415 Sunset Dr Ste 101, Miami, 33173-5493 | 305-275-7555 |
| Pan Am Assurance Agency Inc | Travelers | 9100 SUNSET DR, MIAMI, 33173 | 305-270-1424 |
| Luis Peters | State Farm | 7750 SW 117th Ave Ste 207, Miami, 33183-3844 | 305-275-5585 |
| Gil & Associates Insurance Consultants | Travelers | 9485 SW 72 ST STE A-120, MIAMI, 33173 | 305-279-7665 |
| Aaa Insurance Agency | None | 7074 Sw 117Th Ave Miami, Kendall, 33183 | None |
| R A Brandon & Co Inc | Travelers | 217 ARAGON AVE, CORAL GABLES, 33134 | 305-442-2340 |
| Knight Insurance Of Broward | Travelers | 1259 S PINE ISLAND RD, PLANTATION, 33324 | 954-382-5244 |
| Pat Del Vecchio Insurance Agency Inc | Travelers | 263 NE 8TH ST, HOMESTEAD, 33030 | 305-246-9500 |
| Pat Del Vecchio Insurance Agency Inc | Travelers | 263 NE 8TH ST, HOMESTEAD, 33030 | 305-246-9500 |
| Coastal Insurance Solutions | None | 800 N Ocean Dr 2Nd Fl, Hollywood, 33019 | None |
Miami Heights, 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 | +$66 | $1,557 |
| Driver's Failure In Showing Documents | +$145 | $1,636 |
| Driving With An Expired Registration | +$154 | $1,645 |
| Driving At A Considerably Slow Pace | +$324 | $1,815 |
| Using A Cellphone While Driving | +$341 | $1,832 |
| Running A Red Light | +$347 | $1,838 |
| Speeding | +$365 | $1,856 |
| Driving A Vehicle Without The Required Permission | +$464 | $1,955 |
| Driving With An Expired/Suspended License | +$1,005 | $2,496 |
Miami Heights, 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 | $1,431 |
| Active Disabling Device | $1,431 |
| Tracking Device | $1,402 |
| Passive Disabling Device | $1,387 |
Latest Auto Insurance Reviews in Miami Heights, FL | Back to Top
State FarmThe customer service is good. I have called them several times to ask questions and add drivers to the insurance plan, and it is very easy to get in touch with them and talk to a real person.
ProgressiveI would give progressive a 4. My auto insurance went down with this new company.
TravelersI have had travelers for over 10 years, they have always been available when needed. The customer represenatives reply same day and evenings with is a big plus for me.
ProgressiveI am able to contact Progressive whenever I need to. I contacted them to better understand how the plug in device works and there was no wait time or computer. I got a human at the first call.