Car Insurance for First Timers in Florida
So you’ve got your first car.. or you are about to, and you want to comply with the law but don’t want to spend too much money, right? While shopping for a policy that matches your needs there are a few things you should consider.
To start with the right foot and the right policy coverage, you should compare at least three quotes to make sure you are not missing out on anything. Nowadays, it is easy for you to go online, sort of what you are doing now, and compare at different websites for car insurance for first timers. In Florida though, I would suggest you actually visit an agent and let them work for you on this.
Specially, when it is your very first insurance policy and your very first car, you will need to learn a few things that you will learn nowhere else but with your agent. As a first time driver having the right insurance coverage for you is crucial.
This is the time when you start building up a relationship for life. Yes, for life! So it is most important that you are happy with your purchase and all of your questions are answered, rarely you will get this type of service online.
An actual agent will not only answer your questions, but he or she will review a few quotes that are best for you and your personal needs. Your agent will discuss them with you and you will make the final decision.
At Florida First Insurance we can work with you to find you an affordable yet effective policy within the many companies we work with that specialize in car insurance for first timers.
We are young as you are and we understand your needs perfectly. Give us a call or visit us at our office. We are located in Hollywood, Florida.
Florida Car Insurance
Florida First Insurance is the 1st choice for Florida car insurance quotes online since 2001. The cost of auto insurance has steadily increased for the Florida consumer and more and more auto insurance shoppers are letting their mouse do the walking – via the Internet.
Now you can shop for Florida Insurance quotes in the convenience of your own home or office. You can save money in the most time-honored way: by comparing the price quotes/benefits of several independent insurance agents all competing vigorously for your business.
Here, you can submit your information online and receive a prompt quote from one of our auto insurance specialists by phone or email — it’s your choice.
Or, you can review any number of agents, including their hours and specialties, and simply call for that auto insurance quote from the numbers listed. Florida Car Insurance quotes even provides an interactive online map to each insurance agent listed for your driving ease.
Want to compare auto insurance prices now? Just CLICK HERE
Florida Tow Truck Insurance Cost Estimates
Providing comprehensive, cost-effective tow truck insurance for your Florida-based company is necessary in today’s competitive marketplace. As a truck owner, you have a wide variety of options when it comes to getting reliable Florida tow truck insurance cost estimates. Your business has liabilities related to your investment in the tow truck itself, as well as third party coverage for any accidents or property damage that may occur in your line of work. Individual policies vary by deductible and premium, and you can often structure a policy that meets your business goals. Budgeting properly for your insurance costs is an important step toward reducing your risks as a driver so that you can focus on providing quality service to your towing clients.
Factors in Determining Towing Insurance Costs
Depending on your local insurance provider, you may be able to qualify for discounts on your Florida tow truck insurance cost if you hold a CDL (Commercial Driver’s License), have a clean driving record or are willing to pay a good portion of your premiums in advance. Importantly, tow truck insurance is mandatory for towing operators in Florida, so you’ll need to factor in quality coverage into your business plan before moving forward with operations. When determining a cost estimate for your truck, you’ll need to take into account a broad array of factors, including your local area of operations within Florida, the type of truck you drive and the extent of coverage that you’re looking for.
A major variable in Florida tow truck insurance cost by policy is the extent of your 3rd party coverage investments. For drivers who primarily want to ensure direct liabilities on their truck as well as basic liability coverage, it’s important to keep in mind that the State of Florida mandates minimal levels of coverage for proper operations within the state. Coverage will need to apply to not only direct towing, but related services which produce potential liabilities including roadside service, rotational lowing and any auto salvage work that you perform on a regular basis. According to the State, Florida Tow Truck insurance costs are impacted by the need for bodily and properly liability damage, as well as comprehensive damage coverage, hook-towing coverage as well as insurance to cover your vehicle during storage.
The exact costs of insuring your tow truck will vary depending on a variety of factors, but making smart business decisions will help get you the best rate on effective coverage options. Protecting yourself, your business and your customers with effective Florida Tow truck insurance is a smart business decision and finding the perfect affordable insurance has never been easier than before. Let us do the dirty work for you, we will shop around with top companies and discuss your options with you. Give us a call today, 954-966-1860 or fill our our Free Quote Form here!
Brief Coverage Explanations
Always see your policy for exact coverage and benefit conditions and exclusions.
Bodily Injury Liability — Bodily Injury Liability pays, on behalf of the insured, amounts which the insured becomes legally obligated to pay as damages because of bodily injury to others arising from certain automobiles. The limits of bodily injury liability insurance are often split between “per person” and “per occurrence.” For example, 15000/30000 means coverage limits of $15 thousand per person and $30 thousand per occurrence.
Property Damage Liability — Property Damage Liability pays, on behalf of the insured, amounts which the insured becomes legally obligated to pay as damages because of damage to property of others arising from certain automobiles.
Personal Injury Protection (No-Fault) — Primary coverage for bodily injury to the named insured and family members. This coverage allows you to first make claim for bodily injury damages direct to your own insurance company without having to make claim against the other driver’s insurance until the coverage is used up or other conditions are met. Available with deductibles.
Medical Payments — The named insured and family members are covered for injuries sustained as an occupant of a motor vehicle or through being struck by a motor vehicle while a pedestrian. In addition, guest passengers are covered while occupying the covered auto. Medical Payment pays for necessary medical and funeral services resulting from bodily injuries in automobile accidents.
Uninsured Motorists — Generally to pay the insured what he or she would have been legally entitled to recover from any uninsured motorist or underinsured motorist for bodily injury — but not for property damage.
Collision — Collision means the upset or collision with another object with your auto. This coverage almost always includes a deductible.
Comprehensive — Also known as “Other Than Collision,” this coverage pays for damage to your car resulting from, typically, fire, theft, windstorm, hail, flood, vandalism and glass breakage. This coverage comes most often with a deductible.
Accidental Death and Dismemberment — The coverage pays benefits for injuries or death caused by an accident, which happens while a covered person is driving or riding in a private passenger auto. The coverage is generally low-cost and available in $1000 increments.
Towing & Rental — One of the most frequently used benefits, the coverage is often available on a separate contract at very reasonable cost. Typically, the coverage would pay towing if for any reason your auto was not drivable and would pay rental in the event of a collision accident or theft of your auto. These contracts frequently include Emergency Road Service which provides good coverage in the event of service required for jump start, flat tire, labor performed at the scene of disablement, fuel delivery and key lock-out.
10 Secrets to Saving Money on Auto Insurance
Shop Multiple Companies – The difference between the highest and the lowest priced insurance quote can be hundreds of dollars. It pays to shop as many companies as practical when buying insurance. How can you do this without taking a month off work? First, deal with an independent agent rather than a single company agent. It goes without saying that a single company agent is going to attempt to convince you that his single company is the best deal for you – even if the price is way-off. Almost all independent agents have specialized software that can instantly rate your policy with dozens of insurance companies. This is how you find that low rate.
Don’t Premium Finance – Pay for your insurance up-front. Premium financing can add more than 20% to the cost of your auto insurance!
Always buy motor club benefits with your auto insurance – Ask your agent for towing and rental benefits. For less than you would pay for towing and emergency road service alone from a national motor club, you can generally add a heftier towing benefit plus auto rental while your car is being repaired after an accident to your insurance policy. The secret here is to ASK for a towing and rental contract. Many agents will not offer if not asked.
Increase your deductibles – Deductibles are a time-honored way to reduce the cost of auto insurance by reducing the insurance companies risk on small losses. Take the largest deductible you can afford on coverage for your car and talk to your agent about taking a deductible on your no-fault coverage – especially if you have a major medical policy in force that doesn’t coordinate with no-fault benefits.
Make monthly payments on time – If you must premium finance your auto insurance, make certain you make your monthly payments on time. A late payment will generally cost you at least $20. If you were late on all 8 payments of a typical premium finance contract, you could add as much as $160 to your insurance costs just by paying your monthly payments a little late. If you fail to make a payment altogether, you may be assessed even more charges for short-term cancellation and reinstatement charges.
Don’t let your insurance lapse – Many insurance companies will refuse to accept you or increase your rates if you have a history of driving without insurance. Keep insurance continually in force!
Understand limits of coverage – Talk to your agent about adequate coverage limits. If you have a net worth of $15,000 do you really need $300,000 in liability protection? If you already have a great major medical policy, do you really need excess medical payments? Carefully evaluate Uninsured-Underinsured Motorists to see what, if any, limits of this coverage you require. UM pays for medical bills and non-compensatory damages such as pain and suffering and loss of income if you or others in your car are injured by an uninsured motorists. If you don’t want it, don’t pay for it. But talk to your agent before you decide.
Ask about credits – Many insurance companies offer good-student, driver training and multi-car discounts. When possible, put all your vehicles on one policy and ask you agent about other discounts.
Put youthful operators on their own policy with their own car – If you carry a high-limits policy, it may make sense for your teenager to carry his own policy for his own car – at lower limits.
Check your credit rating – For a while now, many insurance companies have been using credit rating as a rating/acceptance factor. Contact the credit agencies and obtain a copy of your credit report. Check the report for accuracy and report any errors immediately with the credit agency. Then make certain you protect your credit – and your low auto insurance rates – by taking care of your financial obligations as agreed.
