Choosing from all the Florida auto insurance companies
If you own a car and intend to drive it in Florida, you’re going to need the insurance that goes along with it. Insurance is always a good idea, of course, but in Florida, it’s also the law. So even if you get into an accident that isn’t your fault, driving without insurance can leave you in serious legal trouble. In fact, even if you merely get pulled over for a minor violation, lacking insurance will, at the very least, carry with it a very serious fine. Before you go picking from all the available Florida auto insurance companies, consider the below advice.
Go to Florida Department of Insurance Website
Every state has a department of insurance, including Florida. Amongst other things, you can find a “consumer complaint ratio” listing that will give you an idea of how their customer service works. This site is also a great place to begin considering all your options.
Speak to Your Body Shop
One of the best places you can go for advice about Florida auto insurance companies is a local body shop. Even if you don’t have one you’re on a first name basis with, you can still depend on them for an honest appraisal.
When it comes to damages, body shops are really on the front line. They can give you the inside scoop on which Florida auto insurance companies have the smoothest processes when someone has a claim. Auto body shops also know which companies use aftermarket parts for their repairs.
Look Up J.D. Power Ratings
Any Florida auto insurance companies worth considering will be ranked by J.D. Power and Associates. You can visit them online and find out about their price, coverage options, customer satisfaction, claims handling and more.
The company also puts out an annual survey of insurance companies that makes it extremely easy to rank them yourself. J.D. Power and Associates is a reliable company with a respectable history, so you can trust their unbiased take.
Look Into Financial Strength
One thing most people don’t think about when they’re considering Florida auto insurance companies is the financial strength of their options. But this an extremely important marker to review. Both Standard & Poor’s and A.M. Best provide ratings you can research online. Each year they publish their results and make them public.
Why does financial strength matter? Because it gauges an insurer’s ability to pay out on a customer’s claim. No matter how good an insurance company’s rates are, they’re of no use if you can’t depend on them to pay out when you get in an accident.
The truth is that the major insurers are always going to be a safe bet where financial strength is concerned. But this is an essential perspective to get if you’re considering a smaller, “mom and pop” or local outlet.
While auto insurance is important, be sure to take your time with the process. It’s important enough that you want to make the right decision based on more than just the price.
Contact an expert
If you would rather save time you can go to an online website and they will quickly help you find the best rates available in your area.