Contact us as your comparative tool. Our company has sample prices, comparisons of insurance policies and profiles of insurance companies. The profiles show the company's history, the complaints index and the degree of economic solvency assigned by an independent evaluation organization. We will take care of accessing the companies directly, to obtain an exact price quote.
Request quotes in several companies. Prices may vary from one company to another, so asking for several quotes will allow you to compare prices and make sure you understand the coverages.
Consider other factors besides the price, including the degree of economic solvency, the rate of complaints and the license status. The financial grade indicates the strength and economic stability of a company, while the index of complaints indicates its history of customer service. Buy only from licensed companies and agents. It is illegal in Florida to sell insurance without a license.
Decide which coverages you want and need. Check your limits annually to make sure you have enough coverage in case of an accident. Taking an inventory will help you decide how much coverage you need.
Ask your agent about the discounts. Most home and car insurance companies offer discounts that will reduce your insurance premium. Ask if you are eligible to receive some of these benefits.
Do not pay an agent in cash. Pay with a personal check or money order made directly to the insurance company, never the agent. Get a receipt for your payment.
Make sure you have coverage without interruption. Never cancel a policy until you get your new policy or a written proof of insurance (written binder, by name in English). The mandatory voucher verifies that you have coverage until the company issues your policy.
Know your rights. Insurance policies in Florida must include a Declaration of Consumer Rights, which explains your legal rights and responsibilities. Read it carefully.