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FL car insurance for a young guy

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FL car insurance for a young guy

Old 03-02-2016, 05:57 PM
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Default FL car insurance for a young guy

Hey guys...my 23 yr old son lives in FL and has just bought a mint 2008 Ford Escape to run around in. He won't be driving it much as he's a "yachtie", and is off cruising a fair amount.
He got his first quote for insurance from State Farm and it was over $4200 for the year!
Can anybody recommend a company thats a little more user friendly (read that as CHEAPER) for young Florida drivers?
Thanks
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Old 03-02-2016, 06:29 PM
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There is no good answer for this one. But, you need to check with all the big names. GEICO has been doing good lately.

Bottom Line - its expensive to insure young male drivers in FL - especially if they do not have current insurance.
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Old 03-02-2016, 06:39 PM
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Geico x2 make sure to stay away from ocean harbor and Infinity cheaper is not always worth the savings if u ever need it.
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Old 03-02-2016, 07:28 PM
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I got progressive when I was 19.. been with them ever since. They have done me well over the years, I don't think Ive ever paid over $110/mo ever..

a thought that crossed my mind for you- whoever you go with, ask if they have the little transponder device that you plug into the vehicle's OBD2 port.. If its hooked up and he isn't driving it too often it could save you some $$$. Usually you have to have it in for like 6 months to determine a driver profile, if the vehicle is sitting its only going to help him.
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Old 03-03-2016, 06:58 AM
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Was he listed on the family insurance? Has be been without a car for awhile? These are factors which will affect his insurance. Some companies will give a discount for driving under a certain amount each year. That he might qualify for if he is going to be on the boat most of the time. Unfortunately until he is 25 he will continue to get hit with high rates. In north florida progressive is great on younger drivers.

If this is his first auto policy I would definitely recommend him shopping it after his first renewal if he has not had any tickets or accidents.
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Old 03-03-2016, 07:25 AM
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You can negotiate, but depending on the area code he is in they increase it crazy. I got quoted something like 1200 for 6 month premium because my area code was Tampa. Changed it to Destin and it got cut down by 30%. See what is required from the bank on the loan and go with that. I have USAA.
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Old 03-03-2016, 07:39 AM
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When I moved down here, I had Allstate, well that did not last, very pricey. I quoted Gieco, Progressive and USAA.

USAA was by far the best coverage for dollar. I have since switched all by business to USAA including banking.
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Old 03-03-2016, 07:47 AM
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I have had State Farm for over 25 years. No one has ever been able to beat them when an apples to apples comparison is made. My wife is always trying to switch us to USAA and every time she checks rates, USAA comes out the loser.
So it really depends on the driver, and the county and the coverage.
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Old 03-03-2016, 07:48 AM
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Originally Posted by HOTSPOT View Post
When I moved down here, I had Allstate, well that did not last, very pricey. I quoted Gieco, Progressive and USAA.

USAA was by far the best coverage for dollar. I have since switched all by business to USAA including banking.
I also think USAA will be the best, but it is not available to everyone.
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