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Picking From All the Auto Insurance Companies in Florida

Just about everyone owns a car these days or is working to buy one. Without transportation, your options in life are very limited. However, you need more than just a car and gas to get where you’re going in Florida. While having coverage for your vehicle is always a good idea, in Florida it’s mandatory. If you get behind the wheel of your car without car insurance, you’re violating the wall and a mere speeding ticket can quickly turn into a much, much bigger problem. That being said, there are countless auto insurance companies in Florida to choose from, so consider the following advice to make sure you pick the right one.

Visit the Florida Department of Insurance Site First

Just like every other state in the country, Florida’s government maintains its own website. There you can find things like the ratio of complaints different companies have suffered. While every company is going to have a complaint or two, a high ratio should be taken as a warning about how bad their customer support is.

Visit an Auto Body Mechanic

Few people think to speak to their local mechanic about auto insurance companies in Florida, but it’s one of the best choices you can make in your decision making process. It helps if you have a personal relationship with one, but many mechanics will find it cathartic to talk about automotive companies they’ve dealt with.

Mechanics are such a great source because their body shops need to work hand in hand with companies when cars get damaged. So they know who pays out the most, who is quickest with these payouts and who uses the best parts. This is all very important information you’ll want to consider and chances are they’ll have plenty more to pass on.

Check with J.D. Power Ratings

J.D. Power and Associates keeps a ranking on each and every company in the country that’s even worth being considered. Visit their website online to find out everything from prices to customer satisfaction to coverage options and more. The company is beyond repute, so you can trust what they say.

There you’ll also find the results of an annual survey they do of customers. This, too, will give you key insight into customer satisfaction. It can’t be overestimated how helpful this is.

Research Their Financial Reliability

It may seem strange to consider, but not all companies can be entrusted to have the money you need when an accident happens. They’re companies too, after all, meaning they can suffer the same consequences as anyone. Fortunately, sources like A.M. Best and Standard & Poor rate all the companies you have to choose from in Florida and will indicate which are most likely to have issues giving you the money you’re entitled to.

Choosing the right insurance company in Florida is a very serious decision you should not take lightly. To that end, the above considerations should be made before the final decision.

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