5 Ways to Get the Florida Auto Insurance Quotes You Deserve

Many people are surprised to learn that Florida auto insurance quotes is not something that is necessarily regulated by the state. Because it’s illegal to drive without insurance, drivers may falsely believe that they don’t have options when it comes to their insurance rates. There are 5 ways to get the rate you deserve, beginning with conducting a little bit of research into the types of insurance that are available to you. This will depend on the make and model of your car, where you live, and your age, to begin with.

The second out of the 5 ways to get the rate you deserve and find ideal Florida auto insurance quotes is to get a minimum of three different estimates. The higher the number is of estimates that you receive, the higher the probability that it could work out in your favor. This is especially true if the insurance companies are made aware that you are shopping around like this. They need to realize that you know what you are doing and are looking for a bargain. The third step then would be to compare all of these different rates and figure out which is the closest to the rate that you were thinking of paying.

Out of the 5 ways to get the rate you deserve, you can then for the fourth step determine what you have in your favor. Perhaps you have a great driving record but your credit is not so stellar. In that case, to get affordable Florida auto insurance, you will want to find insurance companies that specifically cater towards people with clean driving records that will reward you for that part of your overall profile. Each company has a different way of evaluating their clients, so you must find the ones that work out the best in your favor.

Finally, you may want to seek the advice of a qualified agent to get a professional take on how to get the rate you deserve. Cost effective Florida auto insurance quotes is available for drivers of all types, but it can be difficult to sift through the confusing language that is part and parcel of the shopping process. A qualified professional insurance agent can help go through all of this paperwork and the different estimates that you have received, and give advice as to which one would be most beneficial for your particular situation.

Your Insurance Agent,

Jonathan Djordjevic

JD Insurance & Financial Group Inc.
153 Parliament Loop Suite 1021 Lake MaryFL32746 USA 
 • 855-878-2888

How Claims Affect Your Florida Auto Insurance Quotes

The best consumer of affordable Florida auto insurance quotes will lay low, pay their bills on time, and remain under the radar. This way, they will be able to keep access to their low payment plans, and gain a higher standing with the insurance agency of their choice. However, sometimes accidents happen, and in that case, you will want to know how claims affect your insurance premium. This will depend on the type of claim that is filed, and what happened in the accident, including whether or not alcohol was involved, the severity of damages, and which driver was at fault.

Generally speaking, it is easy for you to keep your low cost Florida auto insurance quotes if you were not the driver at fault when you file your claim with the insurance company. There should be no hesitation in filing claims, because that’s why you have insurance in the first place. However, for a real minor fender bender, it may not be entirely necessary. How claims affect your insurance premium will vary depending on what carrier you are using, but in most cases it’s better to not bother if the damages are very slight.

This is because accident reporting, however minor, could appear as a black mark on your driver profile that is on file with the insurance agencies. Again, it will depend on the company, but it makes you think twice before risking losing your affordable Florida auto insurance quotes. How claims affect your insurance premium should make you a safer driver, if anything, because sometimes it’s just not worth it to go through all of the paperwork and time it takes to file a claim, not to mention the impact on your premium.

This is an issue that should be addressed when you are beginning the process of shopping around for Florida auto insurance quotes. Each insurance company has different policies on this matter, so be sure to ask how claims affect your insurance premium before committing to a policy or specific company. This can avoid unpleasant and unexpected fees down the road. In most cases, the impact on your premium will be slight, so you should have no fear in filing one, but still, it is a good idea to look into before the issue even arises. To learn more about this it’s helpful to consult with a professional independent agent, for advice.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

Top 5 Vehicle Models for The Most Affordable Florida Auto Insurance Quotes

When deciding on which type of car to purchase, it is often a good idea to consider which vehicles are the most affordable to insure.  As it is an inevitable and necessary expense, it only makes sense to look for a car that will be economical in the long-run as well as upfront.  Beyond the knowledge that more expensive, luxury cars tend to have a higher car insurance premium than entry-level smalls-sized ones, you might be surprised to see what models lend themselves to low cost Florida auto insurance quotes.  When searching for lists of vehicles and their average insurance costs, it is important to check the source from where the statistics are coming.  Many websites tend to skew numbers in their favor if promoting a particular car.  For this reason, it is important to go with an impartial listing.

On average, the cheapest vehicle to insure is the Hyundai Santa Fe.  Interestingly enough, this is an SUV.  Many people tend to incorrectly assume that a smaller car has a better chance at qualifying for affordable Florida auto insurance quotes.  However, due to the various features and the good price point that the Hyundai Santa Fe has to offer, it is rated as being the least expensive to cover.  Another SUV that is affordable to insure is the Kia Sportage.  With prices very comparable to the Santa Fe, this is a great choice when considering the purchase of a new vehicle. 

A third option that is great for finding cost effective Florida auto insurance quotes is the Hyundai Entourage.  While not an SUV, it still offers a great amount of space due to the fact that it is a minivan.  Hyundai makes great, dependable cars that are also affordable.  You are no longer restricted to purchasing an expensive car in order to get great features and comfort.  Another great instance of this is another minivan, the Kia Sedona.  Coming in at an insurance price that is still on par with even the least expensive options, this is a great choice for a savvy spender. 

Offering insurance for the same price as the Sedona is the Kia Rio5.  This is a passenger-sized vehicle with great fuel economy.  It also offers tons of safety features at a great price.  Although this car still offers a very low insurance rate, it goes to show you that size does not necessarily predict coverage costs.  Therefore, when looking to buy a vehicle, investigate a variety of cars and you just might be surprised at which promote affordable Florida auto insurance quotes.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

Find Out How Your Teen’s Good Grades in School Can Reward Your Wallet When Shopping Florida Auto Insurance Quotes

Most parents with teenagers are aware of the substantial increase in auto insurance costs.  As new drivers have less experience, both driving and in general, they are seen as a higher liability in the eyes of an insurance company.  Therefore, if you have a teen, finding affordable Florida auto insurance quotes can be a challenge.  Even if after a year or so of driving without having any infractions, policies for teenage drivers are still above and beyond regular pricing.  However, one way to cut your costs a bit is through a good grade discount. 

This discount provides good incentive for maintaining a high average in school and teaches kids a great deal of responsibility.  Particularly if you choose to have your kids pay for their own portion of the coverage, this incentive program will reward both of you with a good price on auto insurance.  If your child already has good grades, there is motivation for them to keep up their good work.  However, if your teenager is not getting the marks you desire, this is a great tool to bring them up to par.  You will be happy knowing your kids are doing well in school and they will be happy by receiving affordable Florida auto insurance quotes.

The great thing about this program is that it is very easy to apply for and can take effect almost instantly, ultimately putting more money into your pocket.  All that is necessary is your child’s current report card.  As long as they are maintaining a B average or better, you should qualify for these savings.  Simply bring the report card to your insurance agent for them to make a copy for their records.  Then, they will make a note on your file and you will most likely see the reduction immediately.  With this discount, it is finally possible to find cost effective Florida auto insurance quotes even with a teenager on your policy.

However, one cannot automatically assume that their insurance company offers this discount.  Luckily, the majority do, but you need to check with your current provider to make sure.  If your insurance company does not have this incentive program, it might be worthwhile to look into one that does.  The savings, which could be up to 10%, can significantly reduce your costs, and will probably be cheaper than the lowest non-discounted quote you can find.  With a good grades discount, finding affordable Florida auto insurance quotes for you and your teen is now a whole lot easier.

As an reminder, you can also subscribe to us on Facebook and even run a quote on our fan page for live Florida Auto Insurance Quotes!

Your Insurance Agent

Jonathan Djordjevic

Agency Owner

3 Reasons to Include Gap Coverage on Your Florida Auto Insurance Quotes

There are few feelings as good as driving your new car off the lot for the first time. You can finally roll the windows down, blast your music, and see how it performs when you open it up on the open road. Although many business experts will tell you to opt for a pre-owned car because they depreciate in value less quickly, some find it hard to say ‘no’ to putting the first miles on the odometer. If you have purchased a new car, and took out a loan to purchase it, you should know that there are additional types of insurance coverage to consider when shopping Florida Auto Insurance Quotes.

In addition to uninsured motorist insurance and comprehensive collision insurance, you might also want to consider gap coverage for your vehicle when shopping Florida auto insurance quotes. In case you’ve never heard of gap coverage, you should know that it is a special type of insurance designed to protect the investment that you’ve made in your new vehicle. In order to understand exactly how gap insurance coverage works, you have to imagine an unpleasant scenario: what would happen if you were in an accident in the first year or two of owning your car, and the insurance company declared your car to be totaled.

In the event that you totaled your car so soon after purchasing it, you might expect that your insurance company reimburse you the entire value of the car when you bought it, but this isn’t the case. Let’s say you took out a $20,000 loan to purchase your car. Although you will probably still owe around $18,000 on the loan at the time of the accident, there’s a good chance that the insurance company will decide that the car has a total value of far less, say, $14,500. Even though your car is completely destroyed, you would still be left holding the bag for over three thousand dollars when your insurance claim is paid.

If you typically buy new cars or lease cars for a certain number of years, you should know that gap insurance coverage can keep you from this costly scenario. If you purchase gap coverage, it will probably result in a higher Florida auto insurance quotes for you, no matter what company you use. The advantage, however, is that you will be sure to be reimbursed for the difference between what the insurance company is willing to pay, and what you still owe on the loan.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

5 Little Known Secrets to Cheap Car Insurance in Florida

When trying to find cheap car insurance in Florida, there are many secrets that can lead to major savings.  Everyone knows to shop around and get a few different quotes.  But beyond that, there are many things you can do to make sure you are getting the best deal possible.  Auto insurance companies do not always advertise or disclose these extra savings.  Therefore, by finding out these simple tips, you will be ahead of the game and know exactly what questions to ask when speaking with potential insurance agents.

The first secret is to find out what specific types of coverage are included on your policy and deciding if you really need them.  Many companies cover events that might be highly unlikely in your area.  For example, coverage for certain inclement weather conditions might not be necessary for insurance in a warm climate, such as Florida.  Another similar tip for getting cheap car insurance in Florida is to only get what coverages are appropriate for your particular vehicle and situation.  Getting the most expensive, comprehensive policy will not be helping you in a claims situation anymore than a cheaper policy that covers your specific needs. 

A third little known fact to get cheap car insurance in Florida is to offer to take driving classes.  As many companies offer safe-driver discounts, this can be a real advantage, especially when you have a few blemishes on your record.  This offering, although not always accepted, shows great initiative and sometimes can end up saving you a decent amount of money.  A fourth tip is to include any teenagers or elderly drivers on the policy of your least expensive vehicle.  This will maximize your savings as these age groups typically cost more to insure.  By having them drive a car that has cheaper coverage, their rates will be lower than if they are included on a newer, more extravagant vehicle. 

Although it may seem obvious to some, one of the best secrets to maximizing your auto insurance savings is to make sure your policy is giving you the most for your money.  Many people jump at the chance to go with the company that quotes the lowest price.  However, if you get into an accident, you might end up paying far beyond the amount you saved initially.  Also, if repairs and claims are held up because of poor service, these savings are not really helping you in the long run.  By keeping these 5 tips in mind, you can easily find excellent, cheap car insurance in Florida.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

How to Avoid The 3 Most Common Mistakes People Make When Buying Cheap Car Insurance in Florida

Finding cheap car insurance in Florida can sometimes be an extremely confusing process.  Many different companies are vying for your business and all advertise themselves as having the lowest rates and the best coverage.  However, how can one really know they are getting the actual best price and policy?  Because of all of these inflated claims and promises, buying auto insurance can require a bit of research on the part of the consumer.  Doing this will help avoid the 3 most common mistakes that people make when buying their auto policies. 

One of the biggest mistakes that people make in looking for cheap car insurance in Florida is not taking enough time to shop around and compare quotes.  The most advertised companies are not necessarily the ones with the best deals, even though that is what it may seem.  It is not that these advertisements are necessarily false but it is simply that every situation is very different.  Rates can vary considerably depending on the amount of cars you own and their current value.  Other factors are the number of drivers, their ages, and driving records.  One company might indeed, in general, have great prices.  However, your particular set of circumstances might get a lower quote elsewhere.  Also, some insurance providers offer combined home and auto discounts which, if you are a homeowner, can save you a considerable amount of money.

Another common mistake when finding cheap car insurance in Florida is purchasing a policy that is too comprehensive for one’s specific needs.  Many people feel safer buying the largest amount of coverage possible in case they end up with damage to their vehicle.  However, unless your driving and living situation requires all of these safeguards, you are essentially paying for things you do not really need.  It is important to find out exactly what is included in your policy in order to see if those items are necessary for your particular area, needs, and car’s actual worth.

The third largest error that people often make when purchasing car insurance is that they take out separate policies for each vehicle they own.  By combining them into one policy, you can usually take advantage of some substantial multiple-vehicle discounts.  Another way to combine insurance is by consolidating your home and auto into one policy.  By having separate policies for each individual vehicle, as well as your home, you are most likely paying much more than is really necessary.  Finding cheap car insurance in Florida will be much easier by avoiding these common pitfalls.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

3 Bulletproof Ways to get Cheap Car Insurance in Florida

Finding cheap car insurance in Florida can easily be accomplished if you take a bit of time in advance to research different policies and ask questions to the various companies.  Good car insurance is an absolute must.  Prices for coverage can change quite often and, therefore, it is always a good idea to reassess your particular set of needs as well as research any discounts that may become available.  Being proactive in regards to your auto insurance will surely pay off in savings as well as security.  By employing the following 3 tactics, you be well on your way to your best rate for your auto policy. 

The first thing you should do when searching for cheap car insurance in Florida is shop around.  It is essential to get at least 3 quotes.  This will give you a benchmark for you current policy’s price and coverage.  This also allows you to get a good handle on determining what the fairest price will be for the policy on which you decide.  After you see a few different quotes, you can always mention to your prospective insurance company, that you saw a lower price and ask if they can beat it.  Doing this allows you to select your preferred company while getting the lowest rate.

Another great way to get cheap car insurance in Florida is by combining policies.  One of the first things to look into is if the insurance company offers discounts for having multiple vehicles on the policy.  Paying for each car separately is usually quite a bit more expensive than taking advantage of this combined discount.  However, there are also other ways to combine and save money.  Beyond cars, things like boats, motorcycles, and RV’s can also be added to the policy.  Although not every company offers it, covering your home and auto insurance through the same company can also sometimes result in the best rates.

A third bulletproof way to get the lowest price on you auto insurance is to ask about various discounts that might be available.  Depending on the company, there are often quite a few, highly specific qualifications that could save you money.  Some of these include features that might already be on your vehicle, such as anti-theft systems.  Other insurers give a price break to those belonging to certain auto clubs or to people in certain occupations or professional organizations.  It takes a bit of effort, but doing your homework will ensure that you get cheap car insurance in Florida.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

Cheap Car Insurance in Florida – 3 Florida Auto Insurance Companies You Must Consider For 2012

There are currently lots of options available for auto insurance coverage.  Because of this, it can be hard to know what the best are companies to choose from when looking for cheap car insurance in Florida.  Everyone has certain things that they want in terms of customer service, coverage, and price.  Assessing what is most important to you before settling on a policy or insurer will go a long way in your feelings of security and satisfaction.  It is often a good idea to consider going with an agent that represents multiple companies rather than someone who deals specifically with one insurer.  The reason for this is that they know which companies and policies are the best and, in developing a relationship with you, want to keep you happy by alerting you towards the most suitable plans.

One of the top 3 insurance companies to look at when searching for cheap car insurance in Florida is Safeco.  This is a well-known company with a great reputation.  You can get coverage in basically every area of the country, which simplifies your insurance process in case you relocate.  Another advantage to going with Safeco is that they are very straightforward.  Lots of companies tend to bog you down with tons of fine-print that ultimately confuses you and might even result in a not-so-welcome surprise when you go to make a claim.

 Another great insurer to consider for cheap car insurance in Florida is Allied.  Allied’s independent agents are well-known for their superior customer service.  Also, like Safeco, they are available in virtually every region, making it easy to reach an agent whenever it is necessary.  Allied is also known for their home insurance policies and, therefore, will most likely be able to offer you a greatly reduced rate if you choose to go with them for coverage on both investments.  They also often receive good feedback in terms of making it quick and easy to get repairs done when necessary.

 One of the other top 3 insurance companies worth investigating for good rates on car insurance is Progressive.  They are also known for treating their customers well and holding true to their word without hassle.  When you are involved in an accident, their representatives are more than willing to walk you through the process and work hard to get the amount of money that the car is worth.  All 3 of these companies are well-known and have a strong presence nationwide.  Going with a trusted insurer will guarantee that you find cheap car insurance in Florida that provides great coverage.

Your Insurance Agent,

Jonathan Djordjevic

Agency Owner

Cheap Car Insurance in Florida – 3 Easy Steps to Switching Auto Insurance Coverage

There is no need to feel trapped within a policy that you don’t love. There are 3 easy steps to switching auto insurance coverage, ensuring cheap car insurance in Florida for everyone. Policies and premiums vary wildly in between different companies. You may be envying your neighbor with the ridiculously low deductible and be wondering what he has that you don’t.  The answer is often simply a different insurance company. However, to make the switch, you are going to have to follow the protocol of the insurance world.

The first step to switching auto insurance coverage would be to start doing research into which company you would like to become involved with. To begin with, you could start viewing their online profiles to find out what traits are most attractive to you in the world of cheap car insurance in Florida. All have their pros and cons. If there are parts of your own profile you would prefer for them not to look at, such as your credit rating, you can call and ask how they do their profiling and rating systems of their customers, to find which companies seem like the best fit.

After this initial research, the second of the 3 easy steps to switching auto insurance coverage is simply to submit your information to them and find out what sort of estimates you can get. For the best cheap car insurance in Florida, it’s recommended to repeat this step with at least 3-5 different companies. Many people are quite surprised to find out just how much the amounts vary, given the same information to all of them. You could find some significant discounts and coverage areas just within this second step.

Finally, you are ready for the third step, which is to break with the company you are currently with, having already received your estimate and application with the new company. There will usually be a small lapse of time in between steps two and three, but most people won’t have any difficulty with this, and will find that the overall step is quite easy. This process is nothing to be afraid of, and in the long run you will be rewarded with cheap car insurance in Florida, which is the end goal of any Floridian motorist out there on the road. For additional advice you could consult a professional agent, or use an online search and comparison tool.

Yours Truly,

Jonathan Djordjevic

Agency Owner