How to Compare Florida Auto Insurance Rates

FloridaFlorida 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.

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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 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
Make sure that the information for deductibles, amount of coverage, etc., is the same for all companies. Shoppers need to compare apples to apples.

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. Florida street sign

After narrowing the search down to two or three insurers, find out the rating of these companies. For ratings, go to - 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.

Questions on Comparing Car Insurance in Florida

  • Whose Florida Auto Insurance Will Pay for My Damages?

    Florida made out of moneyEven though Florida is a no-fault state, the person who is responsible for an automobile accident is still responsible for covering the property damages, while medical expenses are covered by each driver's own policy. To help ensure that drivers are prepared for...

  • Do I Have to Buy Florida Auto Insurance If I Live There Part Time?

    Map of Florida with a pinTo enter the Sunshine State by car and legally drive within the state's limits, the vehicle must be insured. Whether it will need to be covered by a Florida auto insurance policy depends on whether the car is registered in the state. Drivers who split their place of...

  • How Can Mature Florida Motorists Save on Auto Insurance?

    United States flag shaped as FloridaMany vehicle owners in the Sunshine State who are over the age of 55 are good drivers, but as people age there are certain abilities that begin to degrade, which can impair driving ability and increase the risk of being involved in an accident. Difficulty behind the wheel can...

Florida Coverage News

  • July Brings New Rules for Drivers in Louisiana, Florida, Kansas

    July 1, 2014 - This July 1, a car insurance bill in Louisiana changes the rules for uninsured drivers while another bill in Florida applies changes to coverage for drivers with DUI convictions. Also, an auto insurance-related bill about premium refunds kicks in for Kansas drivers

  • Law Gives Fla. Car Insurers More Time to Cancel Certain Policies

    June 17, 2014 - Florida drivers who buy coverage to get their driving privileges back after a DUI or lapse in coverage will soon face a longer period when their insurer can cancel the policy. Currently, Florida car insurers have only a 30-day "underwriting period" during which they can cancel such policies. But, starting July 1, ...

  • Fla. Regulators: Analysis Shows Broad Drop in PIP Premiums

    January 22, 2014 - Florida motorists could soon see average savings of more than 13 percent on their personal injury protection (PIP) rates as a result of recent reforms, according to insurance regulators. That would translate to a broader reduction of 3 to 4 percent on overall car insurance bills. The estimates come from a Wednesday report ...

Articles for FL Auto Insurance Quotes Comparisons

  • Location and Insurance Rates: Florida as a Case Study

    October 16, 2012 - It's a standard rule in the insurance industry that location plays a major part in the price you pay for coverage. But when it comes down to it, how much of a factor does it really play? ran an analysis of nearly 1,700 car insurance quotes in Florida from 25 companies and broke them down by the state's 67 counties...

  • Big Changes Coming for Florida No-Fault Insurance Law

    May 31, 2012 - Significant changes to Florida's no-fault auto insurance laws that deal with coverage provisions and criminal activity will start taking place in July 2012, although residents will not experience the...

Resources for Comparing Florida Insurance Quotes