Everyone in Florida needs some form of insurance. Generally, individuals need a number of forms. However, perhaps tougher than deciding which forms of insurance you need is deciding from all the Florida insurance companies available out there. If you’re switching carriers or picking one for the first time, you certainly have a number of options available to you. Fortunately, the following tips will go a long way toward helping you make a smart decision.
Look for a Single Carrier
It’s always wise to get all of your insurance through one carrier. There are always exceptions, of course, but the benefits are tough to beat. For one thing, you’ll have one number to call and often one agent you need to deal with (or at least one point of contact). That will be a welcomed advantage if/when something goes wrong.
However, most carriers will match that convenience with an equally helpful price. They know you’ll go elsewhere otherwise and that convenience doesn’t always trump cost. So you can save a lot too by purchasing your insurance in bundles.
Decide What You Need
However, before you can do this, you need to think about what kind of coverage you need. If you drive, car insurance is mandatory. So is health insurance. If you own a home, home owners insurance might as well be and the same goes for renters insurance. There are a number of unique versions out there, though, that may be right for you too, so be sure to investigate all your options thoroughly.
A good insurance agent will help you figure out exactly what you need, but you also must expect that they’ll push some choices on you too (like all salesmen). So doing your research upfront will help.
Check with the Florida Office of Insurance Regulations
Fortunately, if you live in Florida, you can find all your insurance options in one place. Simply visit the Florida Office of Insurance Regulations website […]