Location and Insurance Rates: Florida as a Case Study

Posted on October 16, 2012

It’s a standard rule in the insurance industry that location plays a major part in the price you pay for coverage. But when it comes down to it, how much of a factor does it really play?

OnlineAutoInsurance.com ran an analysis of nearly 1,700 car insurance quotes in Florida from 25 companies and broke them down by the state’s 67 counties, from the costliest to the cheapest. What we found was a huge gap between the county that had the priciest coverage on average, Miami-Dade County, and the county with the cheapest, Alachua County.

How big was that gap? The average quote among all counties was $5,665. In southeast Florida’s Miami-Dade County: about $10,450, 84.5 percent above the average policy cost. In north-central Florida’s Alachua County: about $4,730, 16 percent below the average policy cost.

So, to reiterate: location, location, location.

Our county breakdown shows that all of south Florida’s counties are above the average cost of Florida auto coverage. The priciest areas lie on the eastern edge of the peninsula around Miami-Dade County. Nearby Palm Beach County and Broward County were 56 and 52 percent above the average policy cost, respectively.

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Auto Insurance Coverage

Posted on March 27, 2009

auto insurance coverageWhen you buy your first car, you might not know what risks you are exposing yourself to. There are many dangers which can have an effect on your car or even on your health. No matter how good a driver you are, you will also be subject to accidents, even if they don’t happen from your fault. Basically, you don’t need to protect yourself from your mistakes, but from other people who might not drive as well as you do. In fact, the law actually forces everyone into getting insurance policies, for their own good.

Cheap Insurance

The cheapest auto insurance coverage policy is the one implemented by the law. However, this doesn’t mean that you will have to get that one. Each state will decide a certain limit for policies, but not because that is what you need for being protected.

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Compare free Texas auto insurance quotes without providing personal info

Posted on January 4, 2009

Texan driving a carResidents of Texas can get free auto insurance quotes without having to enter personal information such as social security or driver’s license numbers. Online is a quick way to get rates from multiple companies at the same time without compromising privacy and with no cost or obligations.

Texans who prefer to get their car insurance quote without personal information can do so by visiting OnlineAutoInsurance.com and completing one simple form to compare multiple quotes from leading insurers. Only basic non-personal info about the drivers, vehicles and coverage desired is required:

  • Drivers – No need for the personal data which may …

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Get Florida auto insurance quotes from multiple companies at the same time!

Posted on December 29, 2008

Florida Car Insurance Street SignConsumers can use the web to instantly compare auto insurance quotes online from multiple insurers admitted in the state of FL. This is an easy way of narrowing down to the company offering the lowest prices for the coverage desired without spending much time at all.

When it comes to shopping for Florida auto insurance, nothing beats the simplicity and speed of answering a single set of questions to instantly get the rates of several quality
companies offered through OnlineAutoInsurance.com, all at the same time! This just does wonders on the workload associated with completing a rate comparison in the quest to find a suitable carrier.

Getting SR22 auto insurance in FL

OnlineAutoInsurance.com makes it easy obtain …

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What to Know about Insurance if Hit by a Car

Posted on December 2, 2008

 car hit in an accidentHere are the things you should know about car insurance when involved in an accident to help avoid ending up in a bad situation or making a bad decision.

Immediately find out if your policy was active at the time of the accident. Even if you were hit and it was not your fault, not being insured can still get you into legal and financial trouble.

Did you know?

  • Some state laws suspend your license if you were not insured at the time of an accident; regardless of fault.
  • Liability coverage does not cover your vehicle if you are found liable. In that case, the coverage may only cover …

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