Location is one of the most important factors in the cost of insurance. Car insurance prices in Florida can differ drastically from city to city. For example, the average cost to insure a car in Liberty County is $836 per year, which is 38% of the cost in Miami-Dade County. This equates to an extra $1,362 per year that the average Miami driver would pay compared to the average driver in Bristol, Florida.

While State Farm's shopping experience is well-reviewed, customers did not feel as strongly about it's claims handling process. The company scored about the same as the other four large companies, but was still mediocre. A large national company may be expected to not be very efficient because of the various departments involved in handling individual claims. If you want the assurances guaranteed to you by a large, "legacy" carrier, then State Farm is the best to go with.
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.

Location-specific discounts are different for every company, but most will list at least one or two universal discounts that apply regardless of location. Farmers doesn’t list any of these; this means that you may or may not qualify for discounts, depending on your location. To find out if you’re eligible for any, contact a Farmers agent in your area.

Drivers can expect to pay on average $1,841 per year to buy auto insurance in Tampa, which is about 68% higher than the Florida average. For cheap auto insurance in Tampa, we suggest the Florida Farm Bureau, Travelers and GEICO, which had the lowest rates in our study. Together, these companies would save you 56% compared to the average city cost, with a mean annual premium of $807.


Bus-home conversions are a rapidly-growing trend that several RV insurance companies are adapting into their policies. The type of bus, however, is a prominent deciding factor in coverage, since bus axles differ from traditional RVs and aren’t built to carry a certain amount of weight. Many RV insurance companies avoid school bus-converted homes, as they have a higher risk of rollover accidents. Also, your bus-converted home must be registered as a recreational vehicle for personal use to be eligible for RV-insurance. Depending on the state where you register your vehicle, it may require your bus to comply with several requirements and meet certain standards before registration. It’s important that you check with your local department of motor vehicles beforehand.
Health insurance is now available to more Americans than ever before. Subsidized options are easily available to low-income individuals and families. In the past, many people took the risk of not being insured, but with the Affordable Care Act (ACA) you can be fined if you don't have qualified health care insurance. Instead of paying a fine, people who have not been able to afford insurance before are looking for affordable medical insurance options.
Policies typically use vague language when referring to acts of terrorism, but they are generally insured by the comprehensive portion of your policy. For example, if there is an act of terror and you need to make a claim on your car, that can only be made if you have comprehensive coverage. Since some circumstances are out of our control, comprehensive insurance is certainly important to have in your policy.
If you find yourself away from the wheel more times than not, a pay-per mile auto insurance company like Metromile may be the best company to go with. Metromile is one of the first companies in the U.S. where a bulk of a driver's premium is determined by how much they drive. How much is too much? We found that generally for Metromile to be a good deal, drivers should only drive 7,500 miles or less per year. The biggest downsides to Metromile is a mediocre record of claims handling, in addition to the company only being available in seven states: CA, IL, NJ, OR, PA, VA, WA.
Basic coverage — which is required by law — offers you protection for personal injuries and damages to the vehicle, but it won’t cover extras like your belongings inside. If you live in your RV full-time, it might also be a good idea to invest in additional protection that covers your housing expenses or RV replacement costs. Before shopping around, draw up a list of necessary coverage options and make sure they’re offered by your prospective provider.
How much car insurance costs depends on the amount of risk you pose to your auto insurance company. Remember, if you have an incident and make a claim on your insurance policy, your insurance company must pay – even if you’ve only paid them $1,000 in premiums and you make a claim that costs $100,000. If it’s more likely that you’ll need to make a number of claims on your car insurance, you’ll get charged more. It’s just the insurance company making sure they don’t lose money on your policy.
Location-specific discounts are different for every company, but most will list at least one or two universal discounts that apply regardless of location. Farmers doesn’t list any of these; this means that you may or may not qualify for discounts, depending on your location. To find out if you’re eligible for any, contact a Farmers agent in your area.
If you find yourself unable to remember the last time you were in a doctor’s office and think you don’t need health insurance, think again. You should definitely have health insurance, and there are plans that are cost effective for healthy people. For example, you can opt for a high deductible health insurance plan – you pay more for things like doctor visits, but you pay less overall for your health insurance plan. This is ideal if you only go to the doctor once or twice a year. These plans also work well in partnership with flexible spending accounts (FSA) or health savings accounts (HSA). You can put pre-tax dollars into these accounts and use the money later on medical expenses.

Also known as AARP, The Hartford was the recipient of the 2016 J.D. Power study for car insurance companies ability to handle claims. The Hartford scored 5/5 stars for nearly every step of the claims process; from notifying them, to the repair process, and the final settlement. Those who think a smooth claims process is the most important factor for car insurance, The Hartford should definitely be considered.


Liability insurance usually includes bodily injury coverage and property damage coverage. Bodily injury coverage is designed to cover all of the other party’s medical expenses resulting from any injuries received in an accident for which you’re at fault, while property damage coverage helps cover the costs of any damage to another person’s property, such as vehicle repairs, replacements, or damaged structures resulting from said accident.
The most expensive place for auto insurance in Florida is the urban metropolis of Miami. Between its miles of beaches and its three-time NBA champions, the Miami Heat, the city's residents do not shy away from high temperatures, and average auto insurance premiums here are just as high. Auto insurance in Miami costs about $2,198 per year—which is about double the Florida mean.

If your employer does not offer an affordable health insurance option and you do not qualify for subsidized insurance or Medicare, you can shop the open market for medical insurance. The health insurance companies we reviewed will allow you to request a quote online rather easily. Premium rates vary significantly by multiple factors. You'll learn that the monthly rates increase quite a bit as you age. Smoking also increases the premium rate. In most cases you can select non-smoking if you have not smoked in over six months.
National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles, but Baby Boomers are particularly well positioned to capitalize on them. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. National General also offers homeowners discounts that are easy for them to qualify for, as Boomers are more affluent than other generations on average and thus more likely to own a house and additional vehicles.
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