When is the best time to shop for insurance in Florida

The best time to shop for insurance is now. Whether you live in The Villages Florida, Leesburg or any where else in Florida. The reason that today is the best day to shop for insurance, is because insurance rates constantly go up all the time. In fact I had only one company this year lower its rates for homeowners insurance. That was very rare to see and I do not know how long that will last. However like most things in our lives, costs always go up.

If you are thinking that you're insurance policy is not up yet and you need to wait until your renewal. That is a common mistake when it comes to shopping your insurance rate. Unless you have a fully earned insurance policy, which means it is paid in full and nonrefundable. Those polices are not the norm, they tend to be a higher risk and are very rare to see. So for the average policy holder you are allowed to cancel your policy and receive a refund. Insurance in the state of  Florida is actually accessed daily. If you obtain a new policy that has an effective date during your current coverage, you can receive the unused funds back.

Even after explaining that any insurance premium paid will not be lost, most people tend not to shop their insurance policy's. We have even come across some of the public that never shop insurance, they just simply go with what the carrier or agency sends them. This is such a painful thing to see and witness. Over my 15 years of insurance experience, I have found no better weapon to use then the ability to shop. That was one of the goals that I had when I opened this agency. HomeTown Village Insurance was not going to be tied to one or two insurance carriers, but have the ability to shop many carriers for your benefit. With the ability to shop over 35 insurance carriers, I truly feel comfortable when I tell a client that this price I have for them is the best. That is why I say "We make sure you have the right coverages for the best price".

At no time should you just renew your policy without even trying one other agency or company, especially  with the shape of the economy today. Who in the United States of America would not be interested in saving money. I asked one of my clients who lives in The Villages and had insurance with American Integrity if he  would be interested in saving some money on insurance. The reply I received was the same I always get, of course I want to save money who wouldn't. That is why I tell everyone from family, friends and people on the street to shop your insurance rates. I was able to shop his home insurance and not only improve his coverages but saved him over $500 a year. Now we not only provide him with a homeowners policy but with an Auto and Golf Cart as well.

Insurance companies in Florida are like a jigsaw puzzle. To me each client is a unique piece and will not fit into just one spot. Unless that is the right spot for them. In other words, lets say you live in Leesburg and are in a home that was built in 2001. Some or most agency's would quote you with one or maybe two homeowners companies, even worse with citizens. That reason is can be different, if they are restricted by the amount of company's they have available or that they have the attitude that its a one fit for all. My agency does not do that at all, when it comes to insurance.

Like I said before we have over 35 insurance companies to shop you're Home, Car, and Golf Cart. We also have a large amount of commercial insurance carriers. I know each insurance company inside and out. Take for instance the home owner in Leesburg Fl that I told you about. I know that some companies have better coverages and rates for that age of home then others. Also the style of home can make a difference as well, block or frame. These little things can make a big difference when it comes to placing a client with the right company. If a client contacts me for a quote on car insurance, I would search out every discount that I could find. Also because of the amount of car insurance companies we have, I can see what would make a difference. Some companies like certain cars better or I have even have had a company rate one spouse higher then the other.

When it come to shopping insurance you never know what you might get or how much you might save. What I can tell you is that if you do not shop your Car insurance, Home or any other policy, you are giving up one of the best rights we have as Americans, The Freedom of Choice.Contact HomeTown Village Insurance today so that you can take advantage of your rights and shop your insurance.

HomeTown Village Insurance

352-751-5454

Visit us online at http://thevillagesinsurance.net/