What is the importance of doing some comparison shopping for my car insurance here in Florida?

Hailey

Gulf Breeze-Harold, FL

Just like any other thing that you want to purchase, it would be a sensible move to compare auto insurance quotes prior to signing up with a particular auto insurance provider in Florida. The reason behind this is that there could be a huge variation in auto insurance premiums from one insurer to another, and you could actually save a lot of money by making comparisons. So the choice is ultimately yours if you want to waste money by not doing some comparison shopping. But certainly, you wouldn’t like to get on the phone and call up insurance carriers one by one.

Luckily, there are a lot of online websites that would let you do some comparison among auto insurance premiums from a lot of carriers. You may either visit a particular auto insurance carrier’s website or use a comparison quotes sites wherein you would just put in your information once and you would come up with several auto insurance quotes from various carriers. However, there is something that you need to be careful about when you are comparison shopping. One auto insurance carrier may give you the lowest quote that is relatively lower than all other quotes. Don’t immediately choose the cheapest premium and you have to go over the policy and read everything including the fine print.

I’m planning to rent a car, or borrow my sister’s vehicle, while on vacation here in Brandon, Florida. Somebody mentioned that I might want to get a Non-owner’s insurance policy, what is it for?

Jules

Brandon, FL

Whoever told you that is giving you valuable piece of advise. It will be to your advantage to maintain a Non-owners auto insurance coverage even if you don’t own a vehicle yet there in Brandon, Florida. A Non-owners insurance Policy will provide you financial protection in the event that you are sued for and is obligated to pay large sums of money to anyone you may have injured, or properties damaged or destroyed, in the event you cause a car accident, coverage for liabilities would usually include medical and hospitalization expenses, treatment of injuries, rehabilitation, compensation for lost income or wages, even payment for the pain and suffering caused.

If you see yourself renting a vehicle for long periods of time. It may prove more cost effective for you to pay for a Non-owners insurance policy than to pay around $10 to $30 for rental car insurance on a daily basis. That’s on top of the daily car rental rates you’ll be paying just for the vehicle. It is also important to remember that it would be illegal in Florida, same in most states to drive a vehicle, owned, borrowed or rented without adequate insurance coverage. You may want to get in touch with an insurance agent to discuss Non-owners insurance coverage that will best suit your needs and budget.

I am about to purchase my own SUV here in Royal Palm Beach-West Jupiter, Florida and of course I need to get it insured. What are the factors that will be considered in determining the rates for the auto insurance?

Parker

Royal Palm Beach-West Jupiter, FL

You probably already know that buying an SUV would be a bit costly, especially at the gas pump. But the auto insurance would also be more expensive than other regular cars. According to insurance analysts, the cost of the insurance of an SUV would average out to be 10 to 20% more that the insurance of other cars.

There are also some other factors that will be considered in determining the insurance rates of the SUV you will purchase in Royal Palm Beach-West Jupiter, Florida. The credit and driving history of the driver, the city and state where the SUV would be used and if the SUV is outfitted with any kind of anti-theft devices could play very important roles in the amount of your insurance rates.

A lot of people think that because SUV’s are safer to drive, the insurance would be less than the normal rates of a car. However, auto insurance providers know that even though the damage would be less if someone who drives an SUV get into an accident, the repairs would be much more expensive than that of a regular car. The bumpers of an SUV could be considered as a bit fragile, so a little bump from any other automobile could end up amounting to hundreds of dollars to have it repaired.