Age of the bus: The year the bus was manufactured will also affect insurance rates. Older buses may be harder to insure. It may be harder to find insurance for a bus that is more than 20 years old.

Bus business collides with rising rates for insurance. Published: ; Jun. 11, 2008, 7:46 p.m.

And Florida auto insurance rates are already 30% more expensive than they were last year. “Home insurance and auto insurance are well-regulated,” Heller says, but the reinsurance industry isn’t.