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Individual testimonials are based on the experience of that one member.  A study of auto policyholders who switched to Star & Shield Insurance Exchange from September 8, 2009, to November 6, 2009, indicated average annual auto premium savings of $600 over prior coverage.  Some eligible consumers may not save money.  The actual savings, if any, depend on the individual risk characteristics of each eligible member. Applicants are individually written and some may not qualify for insurance coverage.

Promotional material for descriptive purposes. Insurance coverage is subject to the terms of the insurance policy. Star & Shield Insurance Exchange (Star & ShieldR) is a Florida-domiciled reciprocal insurer authorized by Florida law and approved by the Office of Insurance Regulation for business in Florida. Membership is subject to the Subscribers’ Agreement and Power of Attorney, and contingent on underwriting guidelines and policy ownership, and is subject to change. Products are available only in states where Star & ShieldR is authorized to sell them. Star & Shield Services LLC is the authorized agent for the sale of Star & ShieldR products. The policies are non-assessable in accordance with Florida statute 629.261. Use of the term "member" does not imply any legal ownership or eligibility rights to property and casualty insurance products. Rights are limited to eligible policyholders of Star & Shield Insurance Exchange. It is each member's responsibility to keep his/her member records up to date. Photos © by Thurgaland Marketing & Adam Alberti/911 Pictures