When making purchases most people want to get the best they can for their money. The same is true when shopping for auto insurance! Your agent can discuss the following suggestions and help you to what would work for your needs. High deductibles. Choosing a high deductible will require you to pay...Read More
Florida Auto Insurance Questions
There are several things to consider if you have a teen driver in the house that could help save you money on your auto insurance. Plan ahead! Let your teen know that if they maintain a 3.0 (B) average or better, and are enrolled full-time in high school, community college or university, a number...Read More
Under most insurance policies, your pets injury may be covered only if you were not the one at fault. If you are not the at fault driver the other drivers property damage liability (PD) should cover your pets injuries. Your pet is considered your property and insurers consider all damage other...Read More
When I am visiting a friend in Indialantic, Florida I will need to borrow their car; will their auto insurance cover me?
First and foremost your friend needs to check with their insurance company or agent prior to loaning out the car to know if their particular policy will cover you while driving their car. In most cases, the answer depends on what you are using it for, how often, and how long you are using it for...Read More
I am looking into buying a classic or antique automobile can I add it to my personal auto insurance policy?
Although you may be able to add a classic or antique collector car to your personal auto policy the standard auto policy is not designed for this particular risk. Classic auto insurance companies, such as Hagerty Collector Car Insurance, carry premiums up to five times less than standard auto...Read More
I just moved to Rockledge, Florida and purchased a new car. What is the difference between my collision deductible and comprehensive deductible?
The deductible is the amount you will pay out of your pocket if you have a loss and make a claim with your insurance company. For example if you submit a claim to your insurance company for a covered loss of $1,500 and your deductible is $500 your insurance company would deduct $500 from any...Read More
Uninsured Motorist insurance (UM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who is uninsured/underinsured UM insurance also protects you and your passengers if struck by a hit-and-run driver.Covered UM expenses for you and your passengers...Read More
I was given the option to add Uninsured and Under Insured Motorist to my auto insurance policy. What are those coverages for?
Uninsured and Under Insured Motorist coverage is additional coverage for you and your passengers in the event you are in involved in accident with someone who has no insurance or not enough insurance. This type of coverage is for You and Passengers against Bodily injury.Read More
Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage.Daily rental amounts are subject to the limit purchased. There are different coverage limits available and limitations apply for example:If you purchase Rental...Read More
I recently moved to Florida and I need to change my vehicle registration, what is the minimum coverage required in the state of Florida?
Florida law requires you to carry at least:Personal injury protection (PIP) 10,000Property Damage 10,000If you are considering a policy to just satisfy the state requirements, it is very important to discuss all of the other coverage options available and their benefits before you make a...Read More
I am going out to purchase a new car that will have a loan on it. I know the lender requires a full-coverage policy and I will soon be looking for a quote for auto insurance. What types of coverages are available on most full-coverage auto policies?
The following is a list of coverages available on most auto policies:Collision Coverage. Covers auto damage from a collision with another car. Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events. Bodily Injury Liability. Protects...Read More
When I am looking for a quote on my car insurance what information should I have ready for the agent?
Your agent will at least need the following information to give you an accurate estimate on your car insurance costs:Car Information: Year, Make, Model, and Vehicle identification number (VIN #)Your information: Driver license number, social security number, and date of birthGeneral information...Read More
Your personal auto policy provides coverage for some business use of your vehicle. Similarly, your employees personal auto policies cover some business use of their vehicles too. A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in...Read More
Your insurance company cant require you to use only certain kinds of auto repair parts. However, if the insurance companys rates are based on a certain type of part and you want something different, it can ask you to pay the difference if the part you want is more expensive.The parts most...Read More
There are many factors that influence the price you pay for auto insurance. Your premium may be higher or lower, depending on:1.Your driving record.The better your record, the lower your premium. If youve had accidents or serious traffic violations, you will pay more than if you have a clean...Read More
If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will require you to buy collision and comprehensive coverage. Youll need to buy these coverages in addition to the others that may be mandatory in your state, such as auto...Read More
If you have comprehensive auto insurance, your vehicle will be covered for damage or destruction.Read More
Auto theft is covered under the comprehensive section of an auto insurance policy. Theft coverage applies to the loss of the vehicles as well as parts of the car such as air bags. Comprehensive coverage, which is not mandatory, also pays for fire, vandalism and weather-related damage including...Read More
There are presently 3 ways to purchase car insurance:1) From a Independent Agent 2) From a Captive Insurance Agent3) Directly From a Insurance CompanyThe first two categories, the independent agent and the captive insurance agent are somewhat similar. We will go over those two categories first...Read More
Driving under the influence (or DUI) is a serious offense. If you are convicted of a DUI, more often than not, your insurance company will find out about the DUI and will deal with you in one of two ways. Typically, your rates will go up, sometimes substantially, or, the company will simply...Read More
Insurance rates are certainly affected by the type of car you drive. Comprehensive and collision insurance premiums are mainly calculated by looking at the vehicles loss history, which is how often that model is stolen and how much it costs to repair or replace it after an accident.Most insurers...Read More
If you have purchased comprehensive coverage, also known as other than collision coverage, then your car will be covered for flood damage including flooding from a storm surge. Please note that comprehensive coverage is optional with a standard auto policy.Read More
A number of factors can affect the cost of your automobile insurance, some of which you can control and some that you can not. The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost. Even...Read More
Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your...Read More
This coverage pays for damages you or members of your family cause (and are liable for) to other peoples property in a crash involving a motor vehicle.Read More
PIP is coverage that will compensate a loss due to injury regardless of who is charged with causing the accident. PIP applies to bodily injury to you, relatives who live in your home, passengers who are not required to have PIP, as well as licensed drivers who drive your vehicle with your...Read More
The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.Read More
Ask your agent about obtaining a Non-Owners policy to provide the coverage required.Read More
If you have a personal auto insurance policy, generally speaking, your auto insurance should extend to a rental car. Depending on your particular policy, a rental car will most likely be covered by the collision or liability coverage you carry because youre temporarily driving it and you do not...Read More
Even if you are traveling out of state your auto insurance still covers you. If you are driving to Mexico or other Central American countries be sure to check your policy to see what limitations exist. For the most part, auto policies limit coverage to areas within the United States, a territory...Read More
Different states have different policies on this coverage and you need to be sure to check your states policy. In most cases, the answer depends on what you are using it for, how often, and how long you are using it for. How often: If you only borrow your friends car occasionally, for instance...Read More
Collision and Comprehensive are 2 different types of insurance coverage in an auto policy that will protect your car in case of a covered loss. Collision insurance is an optional feature in your auto policy and is the coverage responsible for how your car will get repaired after you have an...Read More