Florida Insurance Cost Range?

Question

I'm 18, and a first time driver, and female.

about how much will it cost to get insurancce?

Answer 1

It probably won't be cheap!!  Normally I see from $120-300 a month for people your age.  The best thing for you to do is call around and get some quotes.  Other factors such as where you live, what car you drive and what coverages you would like can affect the price.  Also if you are a student you should ask about a student discount a lot of companies offer.  If you are in the Tampa Bay area you can call me at get a quote..813-655-0910.

Answer 2

Insurance cost depends on age (experience driving), area where you live, kind of vehicle, driving history like any violations and even your credit. My best recommendations is to go to a web site like Progressives that will offer your with comparison rates from other companies.

Answer 3

There's so much that goes into this. Do you live with your parents? If so, getting on their policy will definitely save you money.

If you're a full time student, as about Good Student Discounts. Typically these are given when you maintain a 3.0 GPA. Most companies will offer a discount for completing a program through their company. As long as you have no tickets or accidents, then you should qualify for that.

If you don't live with your parents, make sure to ask about a multi-line discount. By purchasing something like a renters policy, you may end up saving more on the car, then what the renters policy cost!

Finally, the type of car you have makes a huge deal! If you need full coverage, it will be much higher than if you need liability only.  If you finance a car, you will have no choice but to have full coverage.

Also, please make sure you choose a good agent that will explain your coverages to you. It's important not to ask for the "cheapest insurance." If you don't have enough insurance and are in a bad wreck, you must pay the difference. If you don't have the money to pay, the other person will probably sue you and you'll be in a world of trouble. Make sure you're comfortable with you deductibles (if you get full coverage). Make sure they aren't too high that you couldn't pay them, but make sure they aren't too low and jacking up your premium.  Ask about emergency roadside service/towing coverage. Most of the time this is very cheap, but nice to have when you need it. And, if applicable, get rental car coverage. If you're in an accident and don't have the rental car coverage, you will have to pay for a rental car out of pocket.

There's so much to consider when choosing insurance and figuring out the premium. If you're looking to buy a car, call for quotes on the different makes and models before you buy. You may be shocked that the car you think is the cheapest, isn't!

Good luck!

(Hope I didn't overload you with info!!)

Answer 4

There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of auto/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Answer 5

House?  Health?  Car?  Disability?

Then, there are about 25 more questions, depending on what the answer above is . .. and more questions after that.

Short answer - you need to shop around for a quote yourself.