Florida Auto Insurance

Don't Over-Pay for Car Insurance!

Knowing the factors that determine how much a person pays for their car
insurance, can go a long way in keeping their premium at their lowest rate.

Some of the factors are; the type of Agent you choose, your driving record, the
annual miles driven, age, type of car, how you use the car, your claim history,
gender, other residents in your household, credit scores and your garaging
address.

These factors differ from company to company. They also differ within the
same company depending on the geographic area.

Most companies today use a zip code based territory, which means their rates
vary from zip code to zip code, for the same coverage, on the same cars, for the same drivers.

To find the best car insurance rates, find an agent who represents multiple insurance companies. Do not limit yourself to an agent who represents only one or two companies. They are limited on what they can quote and what they will be able to provide to you in the future.



Agent type is one of the most important!

In Florida, you need to find a good independent agent. An independent agent usually works for their clients benefit, not for any one insurance company. An independent agent should have multiple companies to offer you. They can shop the insurance companies and find the best policy, for the best price, for you.


Independent agents are not captive agents nor are they independent contractors. Captive agents and independent contractors both try to find the best clients for their company. Most independent agents, find the best companies for their clients. They do this by shopping the insurance market, finding the best company and policy for their clients.


Bigger is Safer, But Cause More Damage!

Although in an accident, large vehicles like SUVs, and large trucks might be safer than compact cars, their liability coverage rates tend to be more expensive. The higher liability rates are because they inflict more damage than most standard cars. Also, many SUVs still have inherent safety flaws in their design, specifically with rollover tests. Accordingly, insurance companies share these additional financial risks in the form of higher premiums.



Horsepower, You Want Speed, Get out you wallet!

If you drive a high performance vehicle with a lot of horsepower, the insurance company will assume that you will use it. They will assume that, from time to time, you will have unsafe driving practices. Also, should you get into an accident, regardless of fault, the cost of returning your vehicle to its original condition can be extraordinary, even for little fender benders.



Car Insurance Companies Love Family Cars!

Cars that are used primarily to transport a family or family members are generally involved in fewer accidents. Insurance companies think that safer driving habits are associated with those who transport family members. Cars particularly associated, as "family cars" tend to have lower insurance premiums. These types of cars include minivans, family sedans, and station wagons.



Don't Over-Pay for Car Insurance!

Do not automatically assume that the insurance company that insures your home, will be the best insurance company for your car insurance. Insurance companies specialize in different types of risk and they demonstrate it best in their rates. Just because your homeowner insurance company provides you with the best rate, it doesn't mean they will offer you the best deal on car insurance, even with that home/ car discount. Remember, the same policy can differ by hundreds of dollars from company to company, not to mention that rates are always changing.
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