[GreggT]

DeoGratias, you say you are young and male, just how old are you and are you married? This has a bunch to do with your rates.

[verobeach]

Our auto insurance for two cars is about the same as we paid in the DC area which surprised us. We asked our agent why and his answer (his answer... not mine!) was because Florida is the fraud capital of the country.

[Chrome Microphone]

^Unfortunately, I agree. So many people that move here are out to get money, sacmming elderly folks with credit card scams and so forth. I'm not suprised. Like many of us have said, FL attracts a lot of criminals and transients.

Here in Orlando, they just caught all these so-called Real Estate professionals, (who say they are trying to help people in risk of foreclosing on their house) charging all these ridiculous fees upfront, with the guarantee that they'll help you keep your house. People were falling for it, and they caught like 3 guys at the firm doing this. I cant remember what the name of the company was called exactly, it was something like "Gutierrez, Gonzales, and Associates."

[annerk]

Originally Posted by verobeach

Our auto insurance for two cars is about the same as we paid in the DC area which surprised us. We asked our agent why and his answer (his answer... not mine!) was because Florida is the fraud capital of the country.

I wish Florida would be as proactive at prosecuting insurance fraud as other states. Some states have a toll free insurance fraud hotline, and they take the calls very seriously. I tried to report insurance fraud that I learned of here in Florida that I had actual documented proff of, and got the runaround for three days. I finally gave up.

[beachmouse]

Our every six month bill dropped by about $50 when we moved from rural West Tennessee to small metro North Florida. It's been pretty consistent since then.

Oddly enough, the last time we got a quote from allegedly cheap Geico, it was going to end up being $150 every six months more than State Farm/Allstate.

I don't know if our current Allstate policy is the cheapest possible, (right now it's about $130/month for a large sedan and a station wagon) but they seem reasonable and we stick with them because our homeowner's insurance is also though them and I've heard we're less likely to be dropped if we had auto+home instead of just homewoner's with them.

[Chrome Microphone]

^^^ Yeah, I could see rural TN and North FL having close to the same rates. Similar in a lot of ways.

[DeoGratias]

In response to Greg's question, I'm 19 and unmarried, so I understand my rates will naturally be higher than most of the population. But I'm just as much of an "at-risk" driver in Fla. as I am in Ky. I have never been convicted for any moving violations and have no at-fault accidents on my record.

In Ky. I'm insured in a small, rural town. In Florida I'm getting quotes for a Reddick, Fla. address - not exactly a booming metropolis.

[ACTS Mom]

Originally Posted by DeoGratias

In response to Greg's question, I'm 19 and unmarried, so I understand my rates will naturally be higher than most of the population. But I'm just as much of an "at-risk" driver in Fla. as I am in Ky. I have never been convicted for any moving violations and have no at-fault accidents on my record.

In Ky. I'm insured in a small, rural town. In Florida I'm getting quotes for a Reddick, Fla. address - not exactly a booming metropolis.

As opposed to what most people on here think, the majority of crashes in Florida are in your age group, both fatal and non-fatal. Give yourself a few years and with a clean record, your insurance costs should go down.

http://wdbo.com/common/pdf/orlando/F...ivingstats.pdf

[DeoGratias]

I'll agree, young men wreck cars with frequency. My car is just as safe in Florida as it is in Ky., however, and my driving record doesn't magically change when I cross the Florida line. Only my rates go up by a third.

I asked a representaive for Nationwide insurance why there was such a huge difference in premiums and she attributed it to Florida insurance law. Does anyone know if that's a valid point?

[racechick8293]

Have you ever driven in Southeast Florida? 15 minutes of experiencing firsthand the drivers using no turn signals, racing from light to light, cutting in front of others at every opportunity, and the sheer number of accidents and traffic that you will see every day will give you a good idea very quickly of the rationale behind the cost of car insurance here.