There are a number of local insurers in Florida and most of the national companies also do business in this state
. Below we will briefly discuss how to get the best car insurance quotes Florida.
Your first decision will be whether to get quotes directly from the insurance companies, use a broker or get quotes online. You may think that you will get better quotes directly from the insurers. This is unfortunately not necessarily the case. A broker has access to a large number of insurers and he/she will most likely be able to get you a better quote.
Your best bet is, however, probably going to be the Internet. Of course you will save a lot of money because you don't have to drive around or phone around to get quotes - you can get quotes from all the major companies from a single website.
The next benefit of using the Internet is that it will save you a lot of work. You won't have to fill out the same or a similar forms at a number of different insurers. You only need to enter your details once to get quotes from all of them.
When you fill out the application form, make one hundred percent sure that you enter the correct information. If you provide false information on your application, you might well get an excellent quote only to end up with a refused claim somewhere down the line.
Something else that is very important is to compare apples with apples. If one company gives you a lower quote, but they have a higher excess amount that you have to pay in case of a claim, you have to take that into account. Some companies might also give you a very low quote initially, only to raise their premiums substantially after a year. Try to find a company that guarantees their premiums for a certain period of time.
Not all insurance companies specialize in the same market segment. Some of them give better premiums to women, others give discounts if you drive less than a certain number of miles per year. There are even companies that will refund a percentage of your premiums after a number of years if you never submit a claim.
It's therefore in your own best interest to shop around when it comes to car insurance quotes Florida. A little bit of effort might actually save you a lot of money.