What Florida First Covers
Florida First is a subsidiary of a national insurance group that offers liability, collision, and comprehensive policies. In Florida, liability limits start at $10,000 per person / $20,000 per accident, with optional higher limits. Collision and comprehensive cover damage to your vehicle from accidents, theft, vandalism, and weather. The company also offers roadside assistance and rental reimbursement, though coverage levels vary by plan.
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How Rates Are Calculated
Premiums depend on age, driving history, vehicle make, and location. Florida's high wind and hurricane risk can raise rates for collision and comprehensive coverage. Florida First uses a points‑based system: clean records earn lower points, while past claims, traffic violations, and credit score add points. The insurer's underwriting guidelines are publicly available, so you can estimate your rate by entering your details on their online calculator.
Discounts and Bundles
Florida First offers several savings opportunities. Multi‑policy discounts apply when you bundle auto with home or renters insurance. Safe driver discounts are available for drivers with no claims for a set period. Some local businesses partner with Florida First, providing employees with discounted rates. If you qualify for a military or senior discount, contact the customer service line to confirm eligibility.
Customer Service and Claims Experience
The insurer has a 24/7 claims hotline and an online portal where policyholders can submit photos, track claim status, and communicate with adjusters. Customer reviews on independent sites average 3.5 out of 5 stars, citing prompt payment but occasional difficulty with coverage disputes. Florida First's mobile app allows policyholders to view coverage, file claims, and request roadside assistance from their phone.
Comparing Florida First to Other Insurers
| Attribute | Florida First | Geico | State Farm |
|---|---|---|---|
| Liability Minimum | $10,000/$20,000 | $10,000/$20,000 | $10,000/$20,000 |
| Typical Premium (mid‑age driver, no claims) | $1,200/yr | $1,050/yr | $1,300/yr |
| Roadside Assistance | Included | Optional | Included |
| Online Claims | Yes | Yes | Yes |
Is Florida First Right for You?
If you drive in an area with frequent weather hazards and prefer a local insurer that offers comprehensive coverage and a mobile app, Florida First is a solid choice. For the lowest possible rate, you might compare quotes from Geico or State Farm, especially if you qualify for high‑value vehicle discounts. Always review the policy wording to ensure the coverage limits meet your personal needs.