CHOICES is an online homeowners and auto insurance rates comparison tool developed by the Office of Insurance Regulation of the State of Florida. This tool provides the public of the average insurance rates both for homeowners and auto from Florida’s largest insurers. These rates are being made available for the public’s comparative purposes.

By visiting the website of the Florida’s Office of Insurance Regulation, one can easily find the said homeowners and auto insurance rates comparison system. By clicking the link, one can then be directed to a page where they will choose whether to check for auto insurance rates or homeowners insurance rates.

On homeowners side of the insurance rate comparison tool, the user will be directed to a page explaining how homeowners insurance rates are being based. Can be found also in this page are the two categorization as to the value of the home to be insured wherein the user may choose to inquire. By clicking one of the two, the user will then be directed to a page where he or she needs to choose the county where the home is located. By using one of the counties, the user will then be provided with the current homeowners insurance rates from different insurers.

As for the auto insurance rates, the user can browse through different rates by first choosing which categorization he or she might like to see, whether the Senior Married Couple, Single Female or the Family with Young Drivers. By clicking one of these categories, the user will then be directed to another page where he or she needs to choose his or her county. After choosing one, a window will then popped-out showing the recent rates from different auto insurance providers.

Basically, auto insurance rates in Florida are being based on four primary factors aside from the geographic location. These factors are the driver’s demographic features, the type of the vehicle to be insured, the type of coverage, and the amount of coverage.