If you’re gathering quotes you may notice quite a price disparity between underwriters (insurance companies). There are many reasons for this but it is always a good idea to request that your agent thoroughly review the differences with you. All agents have a fiduciary responsibility to conduct themselves in an ethical and honest way. If you every feel your agent is being dishonest or using deceptive practices, you may want to check out the Florida Office of Insurance Regulation’s website.

Sometimes the cost of premiums between two insurance providers can vary substantially. If the coverages are not equal, the rates may be very different. This may not be discovered until it’s too late. Be careful when removing coverage to save money as it could have serious implications when a claim is presented.

Other times the coverage may be very similar or even sound identical but the rates are not the same. Why would this be? Think of it like two steak restaurants with varying qualities of meat and substantially different buildings. Or even the same quality of meat but very different locations. One may be situated in a very expensive area of downtown and the other may be in a small building on the outskirts of town. Which would be in a position to offer lower pricing? Certainly not the one in the multi-million dollar highrise overlooking the water and cityscape.

If this is the case then the cost difference may be the companies ability to offer a price savings due to operational efficiently (less overhead). There are many factors which can influence price differences, this includes companies who lower their rates to attract new clients. There are numerous marketing reasons why pricing may differ but whatever the reason, the most important thing is to be sure you are getting the best coverage for your needs, at a price that is affordable, from a stable and viable company who can be relied on to promptly settle any qualifying claim presented.

We will be happy to review each area of your potential policies and coverage line by line to make sure your insurable interest are well protected.

Let our professional representatives and agents impress you with their attention to your needs. We will be glad to show you the reason why, “your local agent does make a difference.”

If you live in the nearby community of Brandon, Clearwater, St. Petersburg, Seffner, Valrico, Fishhawk Ranch, River Hills, Bloomingdale, Lithia, Riverview, Summerfield, Sun City, Ruskin, Wimauma, or Plant City, we would love to hear from you. We’re here to serve you and your free insurance evaluation and estimate is only a click or call away.

You can always expect to receive amazing service at the best prices, there is no reason to delay. Let’s start your quote for Tampa, FL today.

With almost 40 years experience, we have seen, heard and insured just about every situation you can imagine. Call us today or begin your free, no obligation insurance estimate online for Tampa, FL right now.