The History of Car Insurance Agencies

The History of Car Insurance Agencies

The History of Car Insurance Agencies

You may think that car insurance agencies developed hand-in-hand with the automobile industry.  But there was no such thing as Florida auto insurance in the early days of driving. In the 1920s, if you were living in Lake Worth, Florida, auto insurance wasn’t something you would likely to be shopping for.  

Life Before Auto Insurance in Florida

Wikipedia’s history of car insurance reports that, “Widespread use of the motor car began after the First World War in urban areas. Cars were relatively fast and dangerous by that stage, yet there was still no compulsory form of car insurance anywhere in the world. This meant that injured victims would seldom get any compensation in an accident, and drivers often faced considerable costs for damage to their car and property.”

If you thought those old Model T Fords could only putter along at a tame pace and that, therefore accidents wouldn’t be that damaging, think again. Cars could go 60+ miles per hour in the 1920s. A driver would have to have a really good reason to floor it, though. The problem wasn’t with the cars, it was the roads. Conditions at the time were pretty rough.  

National Geographic reports on a 1916 Guide Shows What the First Road Trips Were Like. “A hundred years ago, traveling cross-country by automobile was intimidating, if not a little bit dangerous. Cars were unreliable. Roads were rough, and with the Interstate Highway System still decades away, a bewildering array of potential routes connected any pair of distant points.”

And, even though the cars were built solidly, in those days all the safety features we take for granted today weren’t even close to being developed. And drivers definitely didn’t have GPS! They weren’t without some help, though.

“A crucial aid in those days was a series of guides called the Official Automobile Blue Book,” National Geographic says. “Each thick volume covered hundreds of routes, giving detailed turn-by-turn directions that put Google to shame, pointing out landmarks like cemeteries, factories, and places where the road crossed trolley tracks.”

Drivers might have welcomed the idea of being able to buy auto insurance in Boynton Beach, Lake Worth or any of the other communities taking root in South Florida before setting out on a road trip! Fortunately, today drivers have a wide range of options to consider when shopping for Florida auto insurance to protect not only a car, but the people who depend on it.

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