Insurance laws vary from state to state, but can they vary from city to city, or will be the same in Fort Myers as they are in Miami?
The short answer is no, or at least, almost never. But, the city that you live in is a major factor when it comes to insurance. The laws are governed by state and federal government, but the experience you have buying insurance in Fort Myers, FL will be different than the experience you have in Orlando, for example. Car culture does vary from one town to another.
- Insurers consider where you live when setting your rates
In general, you’re going to be looking at higher rates in a city with a lot of traffic and very intense weather. For instance, New Orleans and Detroit tend to have very high insurance rates. Fort Myers is subject to the severe storms and crazy traffic found throughout many metropolitan areas in Florida, so your rates will likely be higher than in a rural town like, say, Lake Wales, but lower than in the densest cities like Tampa and Miami.
- Traffic laws, ordinances, and customs may vary from city to city
Cities may pass their regulations regarding things like parking etiquette, and different police departments may enforce the law differently. “When in Rome,” as they say, behave as would a Roman. Insurance laws tend to be the same across the state, but you should take the time to familiarize yourself with the local regulations in any town you’re not just passing through.
In a city like Fort Myers, where you have some extreme weather, especially in the Summertime, and a lot of traffic, it’s important to shop around to make sure that you get the best insurance you can get for your dollar.