Miami Car Insurance Quotes and Rates in Florida Are Unique

A combination of factors are responsible for making Miami car insurance quotes and rates unique from any other city. These situations materially affect the automobile insurance premium.


As the only Florida city to rank on the top 10 list for traffic congestion, Miami placed No. 9 in a report by the Texas Transportation Institute. An increased number of cars moving about boost the chance for accidents. Also, traffic leads to driver aggression caused by frustration and impatience and this too increases the chance for accidents.


The sub-tropical climate in Miami makes it different from other major USA cities. Approximately 12 million visitors per year ranks Miami, Fl as one of the nations top vacation destinations. Florida’s tourism industry provides a huge rental car market. Thousands of people driving in unfamiliar vehicles and surroundings are a combination that increases the likelihood of accidents.

Foreign nationals

There are a staggering number of people from another country who live in Miami, Florida permanently. In 2006 Miami-Dade County, Florida had the highest percentage (50.3 percent) of foreign born residents relative to the total state population (Migration Policy Institute). Many of these drivers do not speak English, do not understand the “rules of the road”, and never obtain a Florida drivers license. These realities increase the hazard of car accidents.

Senior citizens

The climate in Miami, Fl not only attracts tourists and foreign nationals, it is a haven for senior citizens. As older drivers age, experience and caution does not compensate fully for impaired eyesight and slow reflexes. Once again, the chances for an accident are increased by this fact.

Automobile theft

According to the National Insurance Crime Bureau (NICB), Miami, Florida is the number one city for automobile theft. The port of Miami and an elevated number of high profile vehicles in the area contribute to this unsettling statistic. Higher risk necessarily translates to higher insurance premium.


Fraud and abuse have permeated Personal Injury Protection (PIP) coverage which is required by Florida law. Medical, legal and other escalating costs associated with PIP materially affect the auto insurance premium in the Miami, Fl area. The Florida Department of Insurance has battled against this fraud for decades without much success.

Not all the aspects outlined are exclusive to the Miami, Fl area, however, the combination of them make Miami car insurance quotes and rates unique.

Source by Clifford J Schimek

Car Insurance Quotes for High-School Graduates

Graduation Presents = High Car Insurance Charges

Including extra young drivers in vehicle insurance policies, whether they are college graduates or not, can be extremely pricey for parents. Adolescent drivers’ car insurance coverage tends to be far more expensive mainly because motor car or truck crashes are the leading cause of death among teens, details the Insurance Information Institute.

If you’re a mom or dad taking into consideration buying your baby a new auto as a graduation present, looking around for companies that produce student car insurance policies is an awesome method to discover a reasonably priced car or truck insurance policy. Various auto insurance companies present distinct insurance charges and options, in accordance to the Insurance Information Institute (III). Including extra young drivers to car insurance policies, whether or not they’re school graduates or not, could be extremely high-priced for you. Immaturity and lack of driving experience are the two main factors leading to the high crash rate among teens” explained Jeanne M. Salvatore, senior vice president and nationwide customer spokesperson to the III. “Even the very best teenage drivers don’t hold the judgment that comes with time. It has an effect on their recognition and response to hazardous situations and many times they turn to risky behaviors for instance speeding and tailgating.

Ensuring safer driving for Lessen Vehicle Insurance policy Premiums:

You will find various methods to make sure teenagers are safer drivers, in accordance to the III. Dad and mom ought to make sure their youngsters are driving safe and sound vehicles that test very well in crash situations. SUVs must be avoided since they have a large rollover rate. High school graduates and car insurance policy aren’t the perfect mix. No matter if it’s a requirement or not, all youngsters should take driver’s training, according to the III. These courses could also support parents in receiving decreased auto insurance costs even if they’re searching for new car insurance plans. Many auto insurance companies will offer you a safe driver class, which can help lessen the costs. also These plans generally contain a driving contract that outlines what teenagers are accountable for when driving and the consequences they’re going to experience if they don’t follow it, according to the III. “They also take part in dangerous behavior – eating, talking on their cell phones, text messaging, and they often don’t put on their seat belts. The added distractions of the teen passenger just adds to the hazards facing adolescent drivers,” said Salvatore.

Leading by example will Save Lives and Cash on Car or truck Insurance Rates.

Mother and father really should speak with their youngsters about drinking and driving in addition to distracted driving. Teenagers who might be not paying attention or have lowered inhibitions could make hazardous and deadly driving judgments. Children typically imitate their mother and father so setting a great example from a young age may very well be setting up a teenager’s driving routines for everyday life, the III declares. Instructing kids to wear seat belts their whole life will help them realize the value of continually carrying out to do so.

Source by Steav Martin

Best if you have some experience, before you….