Frequently Asked Questions
Florida independent agents trust Progressive Insurance
Auto Plus Insurance Agency
How do I know if I'm receiving a good low rate for my auto insurance?
Prices for policies can vary greatly from one company to another. The only way to know for sure you're
getting a "good deal" is to compare prices (for the same coverage options) from a variety of companies.
Prices can even be different from the same exact company!

When does coverage begin on a new policy?
Coverage for a new policy can begin as soon as the application is completed and the initial payment made. A
new policy can also have a future effective date to coincide with the expiration of an existing one.

What options should be considered when purchasing a new policy?
All options should be explained to you during the quoting process so that you can make an informed
decision regarding all available options. Select those options that are important to you and fit your budget.

When is the right time to shop?
Often consumers will shop for new insurance when they receive a renewal notice from their existing policy.
Also, when a change is made that has a large impact on price, like adding a youthful operator, people will
shop. However, anytime can be a good time to shop and potentially save money.

What should I do first to compare rates with other companies?
The first thing to do is review your existing policy. Pay close attention to coverage, limits, and deductibles.
Receive quotes from different companies for the same or similar policy. This way you'll be comparing "apples
to apples".

How do I cancel my current policy if I switch to another company?
Canceling your existing policy mid-term will require a signed request from you. Contact your company or
agent for the exact procedure you need to follow. If you switch at the expiration of your existing policy a
signed request is not necessary.

Can a cancellation refund from my current company be applied to my new policy with a different
No. To begin your new policy the initial premium must be paid. A cancellation refund for the unused portion
of your prior policy will be mailed directly to you.

How do I know if I'm getting all the discounts I qualify for?
Ask the insurance agent or company you are dealing with about all the available discounts. Ask again. There
are numerous available discounts that can be applied to the rate and it is not uncommon for one or more
discounts to be overlooked. Ask again!

Does my spouse have to be on my policy or can they get their own?
Your marital status and information about your spouse will have to be disclosed on the application. You can
exclude your spouse and their vehicle from your policy and not pay for that coverage. Depending on the
company a surcharge may apply for the exclusion. Sometimes exclusions are not allowed for
car insurance
with SR22
or insurance after DUI.

Can I make monthly payments on a new policy?
Yes. Car insurance companies will offer you a discount if you pay your policy in full. If you pay monthly and
utilize electronic funds transfer, a discount may apply as well.

What method of payment can I use for a new policy?
The various methods for payment are: Check, credit card, debit card, electronic funds transfer, and cash.
Not all companies accept every method of payment or every credit card. A cash payment is only possible at
a local insurance office in person.

If I cancel my policy for any reason do I get my initial payment back?
If coverage was extended to you for any length of time, even just one day, then only the unused portion of
the initial payment will be returned. If
Florida FR44 insurance or SR-22 Florida insurance is cancelled then
your driver license will be suspended.

If I buy a new policy and someone else drives my car will I be covered?
All household residents and/or regular operators of the vehicle must be disclosed on the application. If a
friend or neighbor borrows your car one time or on a rare occasion and they are not listed on the application
you have coverage.

What does credit have to do with my insurance rate?
Most companies have a proprietary method for assigning an insurance score to each customer. The
insurance score is one of many characteristics used to place customers in different tiers or rankings which
have different prices. Information from credit bureaus helps determine insurance score.

Why do I pay more when mailing an insurance payment instead of using electronic funds transfer?
The savings a company realizes by not preparing a paper bill and mailing it is passed on to the customer.
Also, companies historically have better retention (maintaining policy at renewal) when the electronic funds
transfer method of payment is used creating a powerful motivator for the company to discount this method of
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