Hitting the books can make it easier for you to hit the road. Many insurance companies offer discounts to students who make the grade.

For teenagers, getting a driver’s license and their own car is a big step toward independence. However, many teenagers do not get to take this important step, as insurance rates for new drivers are costly. According to the Insurance Information Institute, adding a teenage driver to an existing policy can increase rates from 50 to 100 percent. This increased premium is often far too much for families, and the rates are nearly impossible for students who must pay for auto insurance on their own. However, students may still be able to realize their independence with the help of academic discounts.

Insuring teenagers is so costly because of the great risk that these new drivers pose to insurance companies. As teenagers are less responsible than adults and have higher accident rates than other age groups, insurance companies are forced to consider the significant amount of money a teenager may cost in filed claims when determining the appropriate rates. However, many insurance companies offer a good student discount to students who demonstrate their responsibility by maintaining good grades. Good students can receive rates that are up to 15 percent lower than other teenage drivers. These lowered rates can be the deciding factor when families are thinking of adding teenagers to their auto insurance policy.

While each insurance company has different eligibility requirements for good student discounts, most companies limit the student’s age of participation to 16-24, require that the student retain full-time status, and require proof that the student has been academically successful. Many insurance companies require students to have a 3.0 grade point average the semester before a policy is initiated or have earned a place on the Honor Roll or Dean’s List. Other companies determine a student’s eligibility based on standardized test scores, such as the SAT or PSAT.

Good student discounts can help ease the financial burden of insuring teenage drivers. Talk to a licensed Florida auto insurance agent to discuss good student discount options that may be available to your teenage children. Doing so will bring them one step closer to independence.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

With television ads all claiming to save drivers money, Orlando auto insurance agency, Floridainsurance.com sees an increase in online quote requests from drivers seeking a second opinion.

The advertisements are everywhere – on the radio, television and even popping up on your computer. An insurance company can save you money; just visit their website.

The truth is, going to a major insurance company to get an auto insurance quote will not get you the best deal. Even websites that offer comparison rates are not giving actual rates. The only true way to get multiple, accurate insurance quotes is through a licensed Florida insurance agency that represents multiple companies.

Merging the auto insurance comparison power of an agency with the simplicity of the Internet is why FloridaInsurance.com is seeing more Orlando auto insurance shoppers turn to them instead of the insurance company websites advertised on television.

“We have made the process of requesting a quote at FloridaInsurance.com easier and more customer oriented than a lot of the insurance company websites,” states Lee Rogers of FloridaInsurance.com, “When drivers in Orlando and across the state of Florida visit us online, we provided accurate quotes from real companies and advice coming directly from one of our licensed insurance agents.”

While many companies try to attract direct customers, FloridaInsurance.com is competing with their powerful customer service. Many people prefer to work with an agency because they can keep their contact person if they have multiple policies through several companies, or have to switch to another carrier.

Most auto insurance companies focus on selling their own insurance lines. Companies that advertise price comparisons on their website are providing quotes from third party companies that may or may not be accurate. Such information that can affect an insurance rate, such as credit or a motor vehicle report, may not be represented in the quote displayed on the website.

When an agent presents auto insurance quotes, the rates reflect all the information provided to the insurance company relevant to the policy. Items such as credit and driving records along with household drivers and household member driving records are all taken into consideration when a company issues a firm quote.

The combination of classic insurance agency support with next generation online quoting is making FloridaInsurance.com a destination for Orlando and Florida drivers to get accurate insurance rate comparisons.

To learn more call 1.888.525.2210 visit Floridainsurance.com.

The Shiny Possession without Florida Auto Insurance Coverage

You wax your car every other weekend. You change the oil every 2,999 miles. It looks great and it runs great. You are always proud to park in front of restaurants and coffee shops to show off your set of precious wheels.

One night, you accelerate from a traffic light after it turns green. Another driver crosses the intersection, runs a red light and directly into the passenger side of your car. All airbags are deployed. You look over and around just in time to see that the at fault driver’s car still works enough drive away from the scene of the accident.

Suddenly, that bargain insurance that offers little to no comprehension and/or collision coverage has become the most expensive policy you have ever purchased. Your car is totaled, the at fault driver can not be found, and an insurance check is not on its way.

Taking care of your automobile means keeping it fully covered. Contact the Florida Insurance Group at http://www.floridainsurance.com or call (407) 277-6000 to find affordable full coverage that works for you.