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Car Insurance in FL

Car insurance in FL is a hassle — it’s a hassle to deal with, and it’s a hassle to find, but, at the end of the day, it’s always worth it to put in some time to make sure you hook up with the best provider you can get. This is because that provider will offer you good service, low rates, and a lifelong relationship that you can pass on to your children — and when you do, they’ll usually offer you even better rates than they did initially. Let’s take a look at how to find the best providers in your area, starting with a quote finder such as Progressive, and ending with good road practices to keep your premiums low.

Starting the Search: Google is your Best Friend

To start, it’s a good idea to use a quote comparison program, such as https://floridainsurancequotes.net/auto-insurance/car-insurance-florida/, to determine which providers in your area offer the best rates. Obviously, these are just estimates, but it’s still a great place to start! When you have an idea as to which firms will have you pay the least, you can make a list, sorting the firms from lowest priced to highest priced. This will narrow down the number of firms you have to consider from the hundreds to the handful, and that is a great position to be in as a customer comparing quotes. 

Once you’ve done that, it’s a good idea to start talking one-on-one with each company. This way, you can start to see how each quote differs in practice from the estimate you got online. Much of the time, it will be more than you were told, and sometimes, it will be less. It’s these instances of ‘less’ that you should keep track of, if you’re lucky enough to spot them. Make a second list based on this information.

And once you have that, ask your friends and your family who have employed that provider before for reviews, if you have friends or family who have done so. This is the best advice you’ll get on the matter, as your personal relations are much less likely to lie to you about how they business operates than the business itself is. Word of mouth is a huge boon, so get it, and trust it.

Keeping Rates Low: The Art of Management

Once you’ve signed up at https://floridainsurancequotes.net/florida-auto-insurance/ and got your low rate, be sure to stay as safe as you possibly can on the street. Only loan your car to people whom you trust to treat it well, don’t race, don’t speed, don’t get parking tickets, and be sure that you never need to use your car insurance. This will keep your provider from pushing up your rates, and it will, in some cases, even result in lower rates for you in the long run. Don’t be afraid to have fun on the road, but make sure that fun is legal and safe to make the most of your car insurance in FL.

Florida Motorcycle Insurance

If you own a motorcycle, you probably enjoy riding it for many different occasions or reasons.  You may use it for recreational purposes when you need to get away for the weekend, or you may even use it as your means of transportation to and from work.  No matter what you use your motorcycle for; you need to make sure you are properly covered with Florida motorcycle insurance.

Florida Motorcycle Insurance

Motorcycle insurance is not a requirement in Florida according to https://floridainsurancequotes.net/motorcycle-insurance/florida-motorcycle-insurance/, but it can make a big difference in the event of an accident or even if you are caught in a storm that causes significant damage to your bike.  While you do not need this coverage to register your bike, you may need to provide proof that you are insured if you are ever involved in an accident with another vehicle.

If you are involved in an accident, and you do not have the proper coverage for bodily injury or property damage, it could result in significant ramifications.  These can include:

  • Losing your license and registration of your bike
  • The requirement of paying restitution
  • Judgments against you in civil court proceedings
  • The requirement of an SR22 high risk mandatory coverage for a minimum of three years in order to keep your license

There are a wide range of coverage options available for motorcycle riders in Florida.  While you may not need all of the coverages available, making sure that you have them can provide a significant amount of protection for you and your finances.

Bodily Injury Liability

This coverage pays for any medical bills of another driver or their passenger if you cause an accident with another vehicle.  

Property Damage

This type of Florida Motorcycle Insurance provides coverage to any damages that you cause to another person’s property or vehicle.  This allows the vehicle or property to be repaired, without requiring you to pay all of the costs out of your own pocket.

Medical Payments

Medical payments coverage will cover the medical expenses that occur to you or a passenger while riding your motorcycle.  These coverage options generally carry up to a $10,000 maximum coverage.

Uninsured Motorist

This insurance protects you if you are involved in an accident with someone that does not have insurance when they hit you.  This coverage will also protect you in the event of being in an accident with someone who does not have enough insurance coverage limits to pay for damages or injuries that occur.

Comprehensive Coverage

Comprehensive coverage protects your motorcycle from damages that are the result of something other than an accident with another vehicle.  This can include fire, theft, vandalism, or the like.

Collision Coverage

Collision Florida Motorcycle Insurance covers you and pays for any damages to be repaired if you are involved in an accident.

Labor or Towing Coverage

 This coverage will help you pay for the costs that occur due to an accident or mechanical breakdown of your motorcycle.

Gap Coverage

Gap coverage is a beneficial protection if you owe more on your bike than it is actually worth.  If your motorcycle is considered a complete loss or totaled, this coverage will pay the difference between what you owe and what the vehicle is worth.

If you are like most motorcycle riders, you love your bike more than life itself.  While you may think that you are a great rider, and will never have to worry about causing an accident, you cannot control the actions of other drivers.  There are many hazards that you may have to deal with on the road, including drivers who are texting, making phone calls, or in some way distracted. If you have the Florida Motorcycle Insurance coverage options that you need, you will be better prepared in the event that something happens when you are out on the open road.

Even though you may not need the insurance to register your bike, do you have enough funds available at any given time to replace your motorcycle, or pay for damages and injuries that require medical care for someone else?  These are important considerations that you need to keep in mind when thinking about which policies you should choose to insure your bike.

Most Florida Motorcycle Insurance policies at https://floridainsurancequotes.net/motorcycle-insurance-quote/ require you to have a deductible.  This deductible is the amount of money that you must pay before the insurance will begin paying.  You can choose to have a higher deductible to lower the premium cost of your policy, or you can choose to go with a lower deductible.  If you choose the lower deductible, your premium payments will be higher as a result. When choosing the amount of the deductible that you are willing to pay, you need to make sure that you truly can afford the amount you choose.  Many insurances offer a $5,000 deductible. If you have this readily available at any time, it might be a good option for you. However, if you know you will not be able to come up with that kind of money all at once, you should opt for a lower deductible amount.

Regardless of which coverage options you choose to protect you and your motorcycle, you need to make sure that you understand how each type of coverage actually protects you.  When you take the time to become familiar with the coverages available, you will be better able to determine which one will best fit your needs.

No motorcycle rider wants to deal with losing their motorcycle, or having to pay for a brand new bike due to an accident.  The simple choice of purchasing a Florida Motorcycle Insurance policy will go a long way in providing you with the protection you need to ensure that you can ride your motorcycle without worry.  If you are ready to make sure that you have all of the coverages you need, contact us today to set up an appointment so you can make sure that you, your motorcycle, and your financial safety are all taken care of.

Is my trampoline covered by my Florida homeowners insurance policy?

Trampolines.  Kids love them and if you have children and a garden, chances are you have probably been pestered to get a trampoline.  But is it true that insurers cancel Florida homeowners insurance policies because of trampoline ownership? When you have a trampoline, Florida homeowners insurance becomes a little more complicated.

A trampoline and FL homeowners – How does one affect the other?

Before giving in and getting a trampoline, it is worth taking the time to understand where you stand with owning a trampoline and if your Florida home insurance will cover you in an accident.

Does my company even care if I have a trampoline?

That all depends on the individual insurer.  Yes, some companies do have a no trampoline ownership clause. It would cancel your policy should you get a trampoline and then either refuse to remove it, or choose not to tell them you have one.

Also, your product may have a trampoline exclusion on your policy, which means that if any accident or mishap were to happen involving the trampoline, a claim would not be honored.

Can my policy provider cancel my homeowners coverage in Florida if I have a trampoline?

In short yes according to https://floridainsurancequotes.net/home-insurance/florida-homeowners-insurance-trampolines/.  If the company outlines in its underwriting guidelines that trampolines are not accepted then it has the right to issue you with a cancellation of your policy notice, however, you will have advanced notification giving you time to either find an insurer online here, that accepts trampolines or remove your trampoline from your property,

What is it about trampolines that insurance companies don’t like?

Simply put, the amount and severity of injuries stemming from trampoline-related accidents are just far too great.  If you look at the figures, on average 4,793 children a year are either hospitalized or killed as a direct result of trampolining accidents, with 110,000 non-life-threatening injuries being reported that were caused by trampolines.  Taking into consideration the amount of money that companies would have to pay out if each injured party put in a claim, it isn’t hard to see why Florida insurance companies don’t cover them.

But we really, really want a trampoline and we are getting one no matter what the insurers say, but we still want to be covered.

Well, there are companies that will cover trampolines on your FL homeowners insurance policy. However, they are few and far between and may offer higher premiums as a result of having the toy on your property.  It is estimated that one in ten companies will accept trampolines on your policy, but generally speaking, most companies try to avoid them.

Florida Home insurance and trampolines

So really, it is entirely up to you, you could risk it and go with an insurer who won’t cover you. Even in the event of an accident, or you could pay higher premiums and cover the trampoline.  Or you can do what most parents do in this situation and just take the kids to the park.