How to Compare Florida Auto Insurance Rates
Florida residents are aware of the high-paced Floridian traffic. Staying insured is a must in this state and finding the right auto insurance company doesn't have to be a major task. These times of technology give consumers the ability to instantly compare companies and prices with the click of a mouse.
Back in the old days, they used to walk through five miles of blizzard to go to school, and they relied on advice from friends to find an insurer, or worse yet, the Yellow Pages. Then they would travel to an agent's office, when it was convenient for the agent.
Of course, if they happened to forget some piece of information, they couldn't just go into the other room and find it. No, they would have to take more time, gas, and energy to bring it back to the agent's office at the agent's convenience. If shoppers had the courage to price out two or three agents this way, they may have ended up with a decent policy and a decent price, that is, if the agents explained all the details and options clearly.
One of the many nice things about shopping for Florida auto insurance online is that consumers can have as little or as much interaction with an actual agent as they want. Any legitimate company will have a toll free number for shoppers to call if they need to.
Visitors using the quote-comparison services at http://www.onlineautoinsurance.com can compare the rates of leading companies with one simple process. Completing a free comparison is easy, but before starting on quotes it is advisable to have some info ready to speed up the process. Shoppers should have the following at their disposal:
- Basic driver information (names and ages)
- Vehicle year, make, and model
- Garaging address
Florida has minimum coverage requirements. At least $10,000 in property damage liability and $10,000 in personal injury protection are required. It is suggested that anyone who will be driving in FL consider purchasing higher limits and uninsured motorist protection. This may better protect against financial hardship, even if the other motorist is driving illegally without proper coverage.
After narrowing the search down to two or three insurers, find out the rating of these companies. For ratings, go to http://www.ambest.com. — A. M. Best has been rating companies for 100 years. Most major companies have at least an "A" rating. Consumers don't want to insure with a company that has below a "B" rating. It won't do policyholders any good to have the cheapest rate if the company doesn't pay or goes out of business.