Miami Auto Insurance

Miami, Florida, voted the second best city for singles by Forbes magazine, boasts a growing population of more than 362,470 people. Those who live and work in this bustling town have to deal with a commute to work that takes two minutes longer than the national average of 28 minutes. Rated 9th in the country for worst congestion in an urban area, Miami drivers are delayed an average of 29 hours at a cost of $512 in extra car expenses.

Money and time are huge expenses associated with traffic in Miami, but there are worse losses. Health conditions like asthma and stress related afflictions like high blood pressure increase in areas of high congestion. Between 2001 and 2003, there were 161 fatal car accidents in Miami, a rate that is slightly higher than the national average.

Protect Your Car and Save on Auto Insurance

The 12.9 million licensed drivers in Florida pay about $2,426 for car insurance for the 19 million vehicles registered to them. This may seem like a curse without a cure, but there are curative measures that you can take to lower your personal auto insurance costs. Some of these include:

• Drive less. Those who spend less time on the road are considered lower risk to auto insurance adjusters.
• Insure multiple vehicles and multiple drivers with the same company. Discounts are often offered in these situations.
• Install anti-theft protection devices like steering column locks and 'smart' keys.

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Lowering your car insurance premiums may be as simple as trading in that hot little sports car for something rated with high safety standards. Staying away from vehicles with expensive claims for injury, like the Kia Rio four door and the Mitsubishi Mirage, both the two door and four door models, is a good start. Avoiding the Lexus IS 300 and the Suzuki Esteem four door, both rated high in cost for collision claims, is another good idea. High theft claims have been cited for the Acura Integra, two door and four door models, as well as the Jeep Wrangler and Jeep Cherokee.  

Protecting your car is a great way to lower your car insurance premiums, no matter where you live or what model car you drive. Simple things like never leaving your car running unattended or keeping back up copies of your vehicle registration and proof of insurance in a safe place may protect you even better than fancy alarm systems.

One of the best ways to protect your investment in your vehicle is to purchase your car insurance through a reputable auto insurance provider. You will find more discounts, helpful sales associates willing to assist you in finding a great deal, and fast claim service when you choose a respected provider.

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010