Florida Car Insurance Quotes And Questions You Should Ask


Shopping for car insurance in Florida can be a pretty simple process. Just make sure to ask a few questions once you get quotes. Here are some things to keep in mind.

As most experts will recommend, you should always do some comparison shopping when you are looking for car insurance quotes. Auto insurance rates in Florida, as in other states, often vary quite a bit from company to company. Comparison shopping can thus save you money.

It also allows you to get a feel for the overall value you are getting in the way of service and financial stability. Just because you've found the cheapest car insurance quote does not always mean you'll get the most satisfactory service.

Once you get some quotes – at least three or more – do a little investigation about the agents and companies that provided the lowest quotes:

Ask if they are licensed to do business in Florida. You can check this with the Florida Department of Insurance if you're not sure.

Ask the agent how long he or she has been selling insurance and what special designations they have. If they are an independent agent, ask how many companies they represent.

Ask about the financial rating of the company. You can find this out yourself through rating agencies such as AM Best, Fitch, Moody's, Standard and Poors, and Weiss.

Ask what the process is for filing a claim. How long does it typically take to get a claim resolved? The time it takes to resolve a claim can vary depending on what's involved, but there should at least be a standard turnaround time in sending out an adjuster and filing the paperwork. Again the state insurance department may be a good place to check to see if the company has any complaints against it.

Also, note how long it took them to respond with your quote request and other questions. This could also give you an idea of ​​the kind of service you can expect.

Source by Justin Scott