Florida car insurance

Florida Auto Insurance Quotes

As you shop around for Florida auto insurance quotes, you’re going to have a number of questions. The biggest question you’re probably going to ask is how your auto insurance quote is determined in the first place. This is an excellent question to ask. The fact that different companies are going to offer you different quotes can make the whole issue seem even more complex. It really isn’t. Several things determine Florida auto insurance quotes. Understanding those factors will help you with the challenging-but-necessary task of choosing an auto insurance carrier in the state of Florida.


Primary Auto Insurance Considerations

A number of factors go into creating Florida auto insurance quotes. Let’s start with the basics:


  • The driving record: Most of understand that our driving records are by and far the biggest determining factor in how much we’re ultimately going to pay for auto insurance. Your insurance quote is going to be determined in a very large way by your likelihood of getting into a car accident. If you have a perfect-to-near-perfect driving record, then you’re going to be considered a low risk for an accident, and the insurance quote will be extremely favorable. The worse your driving record is, the higher a risk you become to the insurance company.
  • Age is another significant factor. The older you are, the greater your experience is considered to be. The more experience you have, the better the quote.
  • Gender is another factor most companies tend to matter. Keep in mind that statistically speaking, men are more likely to be involved in an accident than women.
  • Even marital status is a consideration. The same statistics for male and female drivers also applies to married or unmarried drivers. Married drivers are considered a lower risk than unmarried drivers.
  • Where you live matters. For South Florida drivers, those who live in densely populated locales with a high potential for accidents and/or theft are likely to get quotes considerably different from drivers who are less likely to experience either or both of those things.


There are some lesser factors that can also influence what kind of quote you’re going to get:


  • A newer vehicle that has performed well with crash tests can give the driver the added benefit of an appealing insurance quote.
  • Your insurance score can sometimes determine your quote.
  • How you plan to use the vehicle can be a contributor to your insurance quote.
  • Your past history with insurance carriers can influence your quotes.


Different Florida Auto Insurance Quotes

Different states have different laws for auto insurance, although there are some universal truths that hold true from one state to the next. If you’re moving to the state of Florida for the first time, the nature of your coverage may have to change. If you have any questions you can contact FloridaInsuranceQuotes.net and an agent can answer any question you have.


It’s also important to understand that you’re getting different quotes for the simple reason that companies weigh certain factors differently. Some companies put a high emphasis on things like age and career, while other companies may put their own emphasis on completely different factors.


From Ford’s Model T to Gatsby’s Yellow Roadster in F. Scott Fitzgerald’s The Great Gatsby, the rise of convertibles and Jack Kerouac’s Beat Generation ode to road trips, On the Road, the American car industry has marked and mirrored the times over the course of the last century.  Today, with Detroit still reeling from the Great Recession, The Big Three have had a difficult time bouncing back—but for all of that, car insurance companies are on the rise, and with more competition for ever, it should come as no surprise that the quality of service is likewise on the rise.  Here, then, as we begin 2014, is a look at the crème de la crème, the Top 4 Car Insurance Companies. If you want to avoid trying to figure out what company works best for you, contact an online service like https://floridainsurancequotes.net/florida-auto-insurance/ as they deal with ALL the insurance companies that write policies in the state of Florida as well as from across the US.

  1. GEICO: There are few companies with a bigger media presence than Geico.  Between the Geico Gecko and their infamous “So easy a caveman can do it” set of adds—a campaign so catchy that it fooled a major television studio into thinking that a one-joke premise for a car insurance company could work as the basis for a prime-time sitcom—Geico is arguably the most brand-name-recognizable car company in America.  Fame will only get you so far, however, and Geico backs up this stylish PR campaign with more-than-substantial customer service.  Geico is frequently rated as one of the most flexible companies when it comes to coverage plans, a fact which was true in 2013 and looks to remain the case in ’14.  By giving a lot of leeway when it comes to insuring multiple vehicles, crafting individualized plans, and a slew of discounts—notably to student drivers, a relief to parents everywhere—Geico is and looks to remain at the top of the heap.
  2. PROGRESSIVE: With a name like Progressive, you have to do something relatively revolutionary, which is certainly one way to describe the company’s Immediate Response Vehicles.  This IRV service allows for immediate rental and towing services, as well as allowing those looking for an estimate to get one from a qualified agent from the comfort of their own home.  Progressive’s business model is very much geared in a service-heavy, customer-first manner, the only downside of which is that this commitment to service means that there are car insurance companies out there—such as Geico—that have expanded beyond the basics of good, high-quality customer service and have developed intricate and specialized plans which could, in the end, help you save even more.  For all that, however, there are few options better in terms of overall customer service.
  3. ALLSTATE COMPANIES SUCH AS ESURANCE: Allstate is another of the classic car insurance companies, and in recent years it’s branched out and embraced the digital age, forming online subsidiaries such as Esurance, which is itself touted as a “green company” for its increased emphasis on damage caused by carbon dioxide emissions.  While it’s less flexible than Progressive or Geico, and some complain its plans feature unnecessary features and costs, this is all testament to its commitment to variety.  What’s more, it offers a wide variety of discounts including—interestingly enough—some which are occupationally-based (ie, for engineers.)
  4. NATIONWIDE: Nationwide is, indeed, on your side, with a good balance of the virtues extolled in the above companies.  It’s a smaller, more personal, all-around company that’s renowned for its individualized treatment of its customers.