What is the Average Cost of Car Insurance in Miramar?

Miramar is a mid-sized town in the United States, with a population of over 141,000 as of 2019. The population growth has been steady over the past ten years, totaling 15.8% between 2010 and 2019 and providing a solid base for business growth and prosperity in the area. The percentage of people between the ages of 18 and 65, the typical age range for the majority of drivers, is 65.9% and 68.6% of the population above age 16 was in the civilian labor force between 2014-2018.

The average time spent traveling to work in the city is 29.9 minutes. That means around five hours spent in the car every week just driving to work but is close to the national average commute time of around 27 minutes. In 2019, Miramar had 226 total cases of reported vehicle theft, averaging out to 185.6 cases per 100,000 people, which is slightly higher than the Florida average of 181.8 per 100,000 people and lower than the national average of 219.9 per 100,000 people.

The longer commutes and theft rates may affect car insurance prices in the city, but those costs will also depend on a myriad of other, personal information.

What Insurance Coverage is Needed for Drivers in Miramar

All Florida drivers must have proof of personal injury protection (PIP) and property damage liability automobile insurance before they can register their vehicles in the state. The PIP insurance should cover 80% of all necessary and reasonable medical expenses up to $10,000 from a crash that results in an injury, and should not be limited by who is at fault for the crash. The property damage liability automobile insurance coverage helps pay for a driver’s costs if someone damages another person’s property while driving your insured vehicle, whether that person is you or not.

A vehicle must have continuous insurance coverage, even if it is not being driven and is not operable, unless you surrender your license plate. Non-residents in Florida must register their vehicle if they work in Florida or enroll their children to be educated in a Florida public school, and they must obtain their registration certificate and license plate within 10 days of doing any of the aforementioned tasks.

Typically, it’s not recommended that drivers purchase only the minimum required car insurance in Florida, as the coverage is quite low considering the not insubstantial costs of replacing a vehicle or spending any time in the hospital. It’s recommended instead that most drivers obtain collision or comprehensive coverage if they can, to ensure that they have enough to cover any excess costs, for instance if they damage a high-value vehicle. This is because, if the at-fault driver causes injuries over a certain threshold, the victim could sue for more damages in cases where they suffered significant and permanent loss of an important bodily function.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Miramar by Insurer

Many companies provide affordable car insurance in Florida. Companies that offer the cheapest state minimum average annual rates can be seen below. It’s important, however, to consider your personal needs when choosing car insurance, and to select a policy plan based on its coverage characteristics, rather than simply choosing the least expensive plan. Additionally, remember to check out the customer service ratings for your intended insurance company, especially their service in your area.

Compare all car insurance company rates near you here.

Low Cost Auto Insurance for Bad Credit in Miramar

You don’t have to worry too much if you have bad credit – you’ll still be able to purchase car insurance from decent companies in Florida. It’s important to shop around with multiple insurance agencies, especially if you have bad credit. Some companies will weight the importance of your credit rating differently and allow you to receive the coverage you need without emptying your wallet.

Do you have bad credit and need car insurance? Check out this guide to help you in your search.

What is the Difference Between Full Coverage and Liability?

What is Liability Only Coverage?

Liability-only coverage is the cheapest option for automobile insurance. This coverage level only covers vehicles that are not at fault in an accident. Thus, if you carry liability-only coverage and cause an accident, the other driver will be covered by your policy. Any damage done to your car must be covered out of pocket, if at all.

Another way to think of liability insurance is that it protects you from claims made by another driver. Without the protection of insurance, you might be sued if you were to collide with another vehicle.

Full Coverage Auto Insurance

Full Coverage is a commonly used term which covers more than just the damage you might cause in an accident, or the coverage you are liable for. If your policy covers your liability to another vehicle, the damage done to your vehicle (collision insurance), and any incidental damage done to your car by any non-auto elements (comprehensive coverage), then you have a policy that is indeed full coverage. If you have a new car, you may wish to cover it with such a policy, as you might want the peace of mind that any damage will be covered by insurance.

Top Factors and Differences Between the Types of Coverage

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in Florida by City

Additional cities in Florida you can check out.

Coral Springs


Ways to Obtain a Lower Cost Auto Insurance Policy

There are many ways that you can save on auto insurance in Miramar:

  • Raise your deductible

    If you are willing to pay more money for a deductible, in the event of an accident, then you can lower your insurance rates substantially. You can lower your premium to around 10% just by raising your deductible to around $1,000.

  • Drop Collision Coverage on Old Cars

    Dropping collision coverage on older cars can really help save you a lot, especially for cars that are more than ten years old and only worth four or five thousand dollars. Think about it, if you have an accident while driving an older car, are you really going to pay to repair it or just buy a new car?

  • Check Insurance Rates for Your Car’s Make and Model

    The make and model of your car can make a big difference in how much you pay for auto insurance. Therefore, before purchasing a new car, be sure and check the insurance rates for it as some can be much higher than others.

  • Shop Around to Check Rates from Numerous Insurance Companies

    The chart in this article should be enough proof to know that there can be a big difference in what various insurance companies charge for auto insurance. That is why it is a good idea to check rates from a number of insurance companies before deciding which plan to choose.

  • Drive Fewer Miles

    One of the questions asked when applying for auto insurance rates, is how many miles you drive regularly. This is because the more miles you drive, the more risk you are to the insurance company and the higher your insurance cost will be. Try to drive fewer miles, if possible, to save more money on your premiums.

  • Maintain a Good driving record

    Being a safe driver can not only save your life, but it can also save you a lot of money, too. There is a big difference in how much people with accidents on their record have to pay, and what those without any accidents pay. Therefore, always drive safely.

  • Live in a less populated area

    Your location matters when it comes to auto insurance rates. If you live in a highly populated area, your rates will be higher than if you live in a lower-population area. The Jefferson and New Orleans areas have some of the highest rates in Louisiana, but if you live just 30 minutes outside of the city, you can expect your rates to go down.

Learn more about driver discounts for car insurance rates here.

These are the Common Reasons for Insurance Rates in Miramar, FL

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

  • The company that ensures you
  • Not only the city and state you live in but the area (zip code) you reside in as well
  • Your age
  • Whether you are male or female
  • Your earnings
  • Marital status
  • Your credit score
  • Speeding tickets or other tickets you have incurred
  • How many years of driving experience you have
  • How many miles you drive regularly, including your commute to work
  • The year, make, and model of your vehicle
  • Where you park your car when not in use

Use this guide to find low cost rates with accidents from the top insurance companies.

Helpful Miramar, Florida Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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