How you can compare different Florida auto insurance companies

Before you purchase any car insurance Florida whatsoever, you need to make sure that you are getting the very best deal possible – something that seems rather simple and straightforward on the surface, but almost never is.

This is not because there are so few Florida auto insurance companies or agencies that are worthwhile moving forward with, but precisely because there are so many!

The Florida auto insurance world has become as competitive and cutthroat as one could imagine, with different services and agencies offering all kinds of big benefits, competitive prices, and amazing coverage plans to win your business as opposed to seeing it go to the next guy.

This makes researching and comparing different Florida auto insurance companies more difficult than it’s ever been, which is exactly why you’ll want to pay attention to the information below.

What kind of customer service reputation do they have?

One of the most important things that you need to focus on (and certainly one of the things that you should be looking for right off the bat) is the type of customer service reputation that a specific Florida auto insurance company has.

After all, even the best prices in the world and the most comprehensive coverage plan will mean next to nothing when you find it to be a nightmare scenario to file a claim or receive any money that you are due.

You absolutely, positively must find a Florida auto insurance company that offers you the kind of safety, security, and protection you need with a customer service department at understands your issues.

How many different coverage policies or plans do they offer?

You’ll also want to make sure that you are purchasing Florida auto insurance from an agency or service that can provide you with any different number of coverage plans, coverage options, or protection policies. Very few (if any) insurance situations are “one-size-fits-all”, and it’s vital that you get the coverage you need at a price point that makes sense for your budget in the short as well as long term.

What have you heard or researched about their claim settlement process?

You also need to make sure that you are working with a company that isn’t friendly when the skies are sunny, and anything but when your back is against the wall and there is rain on the rise and.

Filing a claim with your Florida auto insurance agency should not be any more difficult than sending an email or talking to one of your friends on the phone. However, even just spending a half an hour or so researching different Florida auto insurance companies would show you that the claims process is dramatically different from shop to shop.

It’s vital that you work with an insurance agency that respects your time, your intelligence, and the money that you have invested with them and has a streamlined claims process that results in a quick settlement with documentation and assistance in a step-by-step manner.

Florida Auto Insurance Companies

Like with residents of other states, residents of Florida have many insurance options to choose from nowadays. These insurance options often determine whether or not they will receive adequate enough coverage on their important necessities. Those important necessities usually include themselves and their families, their home and their car, if they have one.

 

About auto insurance

 

Auto or car insurance from a Florida Auto Insurance Company like YourFloridaInsuranceQuotes.com, as with other states, is mandatory in the state of Florida. That means that all drivers are required to purchase the minimum amount of coverage allowed by the law, as per the current Florida car insurance laws. When you’re purchasing the ‘minimum amount of coverage,’ you’re usually buying coverage for both personal injury protection and property damage liability auto insurance.

 

While the coverage requirement can seem a bit much for some Florida drivers, many Florida auto insurance companies do offer low car insurance coverage premiums. These premiums are actually considered some of the lowest in the US. If you’re wondering about what to expect from Florida auto insurance companies, we’re going to review what you should expect if you’re planning to shop for car insurance in Florida anytime soon.

 

What to expect from auto insurance in Florida

 

Before you start browsing Florida auto insurance companies, you should know that Florida is primarily a no-fault insurance state. That means that your car insurance company will end up paying for your medical bills to your current policy’s limits, no matter whose fault the accident was caused by in the first place.

 

As for the minimum coverage limits, those are known to cap off at $10,000 for both no-fault/personal injury protection insurance and property damage liability insurance.

 

To go more into detail about personal injury protection, that type of insurance will generally cover your medical bills and income loss that are a result from car accidents. It also provides coverage for your dependents (children), non-driving and/or uninsured passengers and yourself, if you’re a bicyclist or pedestrian in a car accident.

 

As for property damage liabilities, that type of car insurance coverage generally covers you if you happen to cause damage to someone else’s property in a car accident. That include coverage for damages that occur to homes or other buildings.

 

Options in Florida car insurance

 

If you can afford it, you have the option to purchase higher amounts of car insurance coverage for your existing PIP and PDL coverage.

 

Many Florida auto insurance companies also offer more thorough insurance coverage options for people that want or need more coverage. That type of coverage often includes comprehensive coverage, collision coverage, rental car coverage, towing and/or labor coverage and coverage against an uninsured or underinsured motorist.

 

Comprehensive coverage, to provide some detail, pays for damages to your vehicle that may have not resulted from an accident. Collision coverage, on the other hand, does provide coverage for any accident-related damages to your vehicle. Of course, if you’re planning to get auto insurance within Florida,  it’s always a good idea to talk with Florida auto insurance companies before you sign up for any type of policy.

Granada Insurance

If you’re in business in Florida, Granada Insurance can offer you coverage that’s specific to your commercial needs.  Your business is your livelihood and the protection of your property is important.  For over 25 years they have been helping their customers get peace of mind and offering top notch customer service.  From bars to beauty shops, there’s a program that will make sure your business goes on in the event of a major loss.

 

Uniquely equipped to create industry specific coverage for your business, they have offices located in Miami and Sarasota.  All of their agents are well qualified professionals who are able to offer you the exact coverage your business needs.

 

Granada Insurance has programs suited to a wide variety of industries.  Here is just a small listing of business programs available:

 

  • Commercial property protection for farms and ranches.  Available coverage to replace buildings and property lost from fire, storms, theft, etc.

 

  • Commercial auto insurance for large or small operations.  Complete coverage for your fleet to suit your needs including collision, uninsured motorist, bodily injury, property damage and more.

 

  • Garage liability.  Perfect for automotive and service repair shops.  Cover your business premises, products and operations, even vehicles used in your business.

 

  • Artisan contractors liability. Well suited for electricians, plumbers, carpenters, etc.  Offers liability coverage on completed projects, workers compensation and business property.

 

  • Hotel/motel program.  Coverage for contents in hotels and motels like TVs and furniture as well as the personal property of guests.

 

  • Beauty shop program. A complete program for barbers and beauticians that includes coverage for those offering nail services, waxing, massages, body wraps and more.

 

  • Liquor liability program.  Complete bodily injury and property damage protection for the unique business liability associated with selling alcoholic products.  There’s an additional program available for neighborhood taverns for those who’ve been owner/managers in this industry for a minimum of three years.

 

  • Restaurant program. Liability protection and more designed for your specific type of restaurant. Even covers debris removal, pollutant cleanup, arson reward and more.

 

  • Renters dwelling liability.  Coverage for all of your rental properties in cases of fire, storm damage, explosion, smoke and more.

 

  • Church program.  Coverage to the church, monastery, schools and campus area, senior living areas and more.

 

Don’t worry if you didn’t see your particular industry listed here.  This is just a partial listing of the businesses covered by their policies.  There are many more programs available for many more business needs.  All representatives are well trained to help you decide on the perfect program and make sure it’s completely customized to offer the best coverage for the best price.  Online access makes it easy and efficient to do business, access your account, pay your premiums and contact your agent.

 

As you can see, Granada Insurance is fully equipped to help your business.    No matter what your needs are they can provide you with the type of coverage that fits your particular circumstances.  They pride themselves on offering the best in customer service and take the importance of your business seriously.

Florida Renters Insurance

Just because you’re a renter doesn’t mean you shouldn’t protect your stuff.  After all, what’s the difference between losing everything from a home you own and a home you rent?  It’s still your stuff, right?  And yes, homeowners are required to carry insurance, while renters usually are not.  But the cost of Florida renters insurance is usually so inexpensive; it would be foolish not to cover yourself.

 

Understand that you are not, in most cases, required to carry insurance when you rent.  But some landlords can require that you do so.  This is something you want to be sure and ask about before you sign a lease.  If they do make it a part of the lease, they can evict you if they find out that you’re not holding up your end of the contract.

 

What Kind of Insurance Do You Need?

Florida renters insurance will cover your personal property and there are two types of insurance you can purchase, depreciation value and replacement insurance.  Depreciation value coverage will pay to replace your possessions at a rate based on the age and use. It will offer the cheaper rates than replacement insurance.  Replacement insurance will cover the costs of replacing your property at current market value.

 

While this may be a little more expensive, keep in mind how expensive it will be to replace everything at once.  You’ve probably never thought much about buying all new clothes in one shopping trip, or buying everything to set up a kitchen at the one time.  People tend to underestimate how much it would cost to replace everything they use to run their household.

 

You might also want to consider liability insurance.  Many tenants believe that if someone gets injured at their rented residence it would be the landlord’s responsibility.  This is not necessarily true.  If someone gets injured inside your rented home you could be liable for their medical expenses and possible legal fees.

 

Does Florida Renters Insurance Cover Natural Disasters?

Living in Florida is not all sunshine and clear skies.  It’s widely known how devastating hurricanes, tornadoes and floods can be in the state.  As a renter, you are not responsible to the structure of your building.  But in many cases, these weather related events can cause a complete loss of your personal possessions.  Renters insurance could be a real life saver.

 

Your policy will probably include a “hurricane deductible.”  This covers one calendar year so once the deductible is met it doesn’t matter how many hurricanes happen, you’re covered.

 

A good way to get started on determining your rental insurance needs is to take a complete inventory of your possessions.  This can be a real eye opening experience.  Even though it can be a difficult task to put a value on everything, going through this process will help you determine how much insurance would make sense for you.   Once you have a figure in mind, go online to start shopping for your Florida renters insurance and get comparison quotes from several providers.

Florida Auto Insurance Quotes

Looking for Florida auto insurance quotes? It should go without saying that you’re not alone in this regard.

 

Florida Auto Insurance Shopping

As you’re preparing for a move to move to the state of Florida, there are a lot of things that are going to be on your to-do list. One item that’s likely to be right at the top of your list is getting your Florida auto insurance needs taken care of. Remember that it’s mandatory in the state of Florida to have auto insurance. You’re going to need insurance that protects you from personal injury, as well as the financial and legal consequences that can arise when the accident involves someone else. The minimums for each type of coverage are ten thousand dollars. However, ask a Florida resident, and they’ll tell you that it’s preferable to opt for even more coverage than that.

 

When an accident occurs, it’s natural to want the best level of protection you can afford. Auto insurance in the state of Florida isn’t cheap these days, but it’s what you would call a necessary aspect of life. The last thing in the world you want to do is find yourself in the position of not having any insurance. There are a wide range of severe consequences that can come out of that.

 

You should also be aware of the fact that shopping for auto insurance in the state of Florida means you’re likely to get several different quotes. You may notice that one Florida auto insurance quote can be quite different from another quote. For those who have never purchased auto insurance before, this can be a little confusing. It doesn’t have to be.

 

Different Auto Insurance Quotes

Shopping around for Florida auto insurance means you’re probably going to run into a few different quotes. It makes sense to choose the best quote for your particular budget and personal needs, but the idea that different companies would offer you different quotes can be a little confusing. There are two reasons as to why that might be the case:

 

  • Companies weigh different determining factors differently. Company A might consider your age to be the biggest factor in coming up with your quote. On the other hand, Company B might place the greatest emphasis possible on your driving record. If you’re curious as to what has influenced the score, don’t be afraid to ask.
  • Some companies aren’t to be trusted. Unfortunately, there are indeed some disingenuous Florida auto insurance companies out there. It’s because of this thought that getting a variety of quotes is a good idea. If you find one quote in the bunch that’s just too good to be true, then it probably is.

 

Weigh your options carefully. This is a relationship you’re likely to be in for quite some time. Ask all the questions that are important to you, and remember that you’re the one in control of the company you ultimately choose. It’s important you’re satisfied with the group you decide to trust with protecting yourself and your vehicle from harm.