Florida Auto Insurance Compare
April 8, 2014
When you’re ready to shop for Florida auto insurance, compare rates from several companies to find the best fit for your budget. You should be aware that Florida requires everyone to carry insurance and that they have minimum amounts of coverage set. These include $10,000 of both personal injury protection (PIP) and property damage liability (PDL). The PIP is also known as Florida’s no fault insurance because you’re covered whether or not you caused the accident.
Florida has strict requirements that anyone registering a motor vehicle must carry the minimum PIP and PDL coverage. This even applies to those who do not reside in the state full time. The law requires that if you own a vehicle that is registered in Florida it must be insured for the full year. In fact, anyone who is in the state for 90 days in a one year time period must also comply with the Florida insurance law.
How does Florida auto insurance compare to other areas? Most agree that Florida’s insurance rates tend to be higher than other areas of the country. There are several reasons for this. One is that Florida seems to rank very high when it comes to the number of auto related fatalities. That causes more risk to the insurer. Another reason is due to the high probability of weather related property damage, again resulting in a higher number of claims compared to other areas of the U.S.
For these reasons, it’s vital that you take the time to do your homework before buying an auto insurance policy. There are a lot of things you can do, or take advantage of, to help keep your insurance premiums down. Here’s just a few things to consider:
- Your driving record. It’s no surprise that a good driving record will help you get a better rate on your insurance policy.
- Where you live. High crime areas and heavily populated areas will cost you more to insure your vehicle than smaller towns and rural areas.
- What kind of automobile you drive. Insurance companies will look at the make, model and year of your vehicle to determine a rate. You might want to take this into consideration before buying a vehicle.
- Your credit history. Believe it or not, some insurance companies will check your credit history and can charge you higher premiums if your score is not great. It’s a good idea to know your credit score before you apply for insurance, if it’s not that great you’ll want to look for a company that doesn’t use this as part of the approval process.
Most people who go online to shop for Florida auto insurance, compare rates from the big name companies they see advertised on TV. While you can get good rates from some of these companies, don’t forget to consider smaller, local agencies as well. Ask friends and family members who they have insurance with. Try to find consumer reviews that rate the customer service of a company as well as the rates. The more information you can gather, the better decision you can make.
Are You Covered by Homeowners Insurance Against Dogs?
April 8, 2014
Florida homeowners insurance against dogs can help to protect you if you are a dog owner or even if there is simply a dog on your property. While choosing the right bedding, food, and other components that dogs need to survive, you may forget about homeowners insurance against dogs. Although you may train your pet to be obedient and friendly, there is the possibility of accidents happening. Considering whether you are covered by homeowners insurance against dogs will help to protect you and your loved ones against possible legal issues.
When selecting your type of insurance for your property, you will want to determine whether your policy is breed-specific or not. The majority of insurance companies will exclude certain breeds from insurance plans as they are said to be more likely to bite or act dangerously around other individuals. Some of the breeds that may be excluded from breed-specific policies include:
- Pit Bulls
- Doberman Pinschers
- Wolf Hybrids
- Great Danes
- Saint Bernards
Prior to purchasing a dog, you will want to consider if your potential pet falls within one of the aforementioned breeds. If so, you may want to consider purchasing a different breed that will be accepted by insurance policy.
Although the majority of insurance companies that offer Florida homeowners insurance against dogs offer breed-specific policies, there are a few companies that offer all-inclusive policies. These insurance policies can be quite beneficial as they incorporate every breed of dog known to mankind. These policies can cover you and your family members for up to $100,000 in dog-bite liability insurance without having to pay an extremely high premium for protection.
If you find that you require homeowners insurance in the event of a dog bite, you will want to be completely honest with your insurance company. When applying for insurance, the majority of companies will ask whether you own a dog and you will want to be honest. In the event of a dog bite in the future, you won’t want to claim against your breed of dog when you had told your insurance company that you owned a different breed.
You May Already Be Covered
Prior to researching Florida homeowners insurance against dogs, you may be already covered by your pre-existing homeowners insurance policy. The majority of homeowners insurance companies offer some type of canine liability which can be quite beneficial for individuals who have a dog residing on their property. You should speak with a representative from your insurance company to determine whether you will need to find outside coverage or not. Unfortunately, renters insurance generally does not cover dog bites or any other type of dog liabilities.
Florida homeowners insurance against dogs is an important insurance policy to have if you currently own a dog or even if you are planning on purchasing one. In the event of your dog biting a stranger on your property, you will be sufficiently covered.
An Introduction to FAJUA
March 3, 2014
Everyone needs insurance in order to protect themselves from the unthinkable. When the worst happens, insurance is there to give us a second chance. But not everyone can afford insurance and often it’s because they’re considered “high risk.” By this we mean that their personal history leads many insurers to believe they would be a financial loss if they provided them with insurance. Fortunately, in Florida, these people are not out of luck. Keep reading to learn how FAJUA can give them the insurance they need.
What is FAJUA?
Put simply, FAJUA is the last hope for those people who are otherwise uninsurable for auto insurance. It stands for the Florida Automobile Joint Underwriting Association. This entity was created pursuant to sections 627.351 and 627.311 or the Florida Statutes, by the order of the Insurance Commissioner. It was made official back on February 9th, 1973.
Why Is It Necessary?
Many people wonder if the Florida Automobile Joint Underwriting Association is really necessary. After all, if people are such unreliable drivers that huge insurance companies won’t insure them, why should anyone? Are they even worth having on the road?
There are many arguments to this and it’s certainly still a contentious issue. One reason people would say the Florida Automobile Joint Underwriting Association is important is because people still need to get around, especially if they’re going to be full-fledged, productive members of society. Without a car, many people wouldn’t be able to get to work.
However, as we’ll cover next, insurance from the Florida Automobile Joint Underwriting Association is also very expensive making it more likely that people with bad records will shape up.
How Does the FAJUA Work?
Insurance through this association is only given to those who can prove they can’t get it anywhere else. Although this insurance is pricey, it’s not overly so. Thus, the association wants to discourage people from taking advantage of the system if they could simply buy insurance elsewhere.
In fact, trying to get insurance through this ruse is a very serious matter. Section 817.234 of Florida’s state statues recognizes such a crime as a third degree felony. That’s definitely not worth some cut-rate insurance.
When it’s established that someone qualifies, they will need to get insurance through a provider that is registered with the Florida Automobile Joint Underwriting Association. That’s because the association itself doesn’t actually provide the insurance. They simply subsidize another carrier. However, not all insurance companies in Florida partake in the program, so it’s essential that a potential policy holder speaks with the association first to know what their options are.
If you’re in need of insurance in Florida but can’t seem to find a willing provider, you might feel as though you’re lost without a hope. But that’s certainly not the case. The Florida Automobile Joint Underwriting Association was created to help you. Contact FAJUA today and they’ll begin the process of getting you the insurance you need. Whatever you do, don’t drive around without auto insurance because you think you’re without options.
Florida Boat Insurance
January 10, 2014
Everything you need to know about Florida boat insurance
The old boat owner joke is that you aren’t actually purchasing about, but are instead purchasing a gigantic hole in the middle of the water that you continue to throw money at for the rest of your life.
And while there is certainly some truth to this, you’re going to want to make sure that you have protected your investment as best you possibly can with the very best boat insurance you can find. Any boat owner that has had to go through the nightmare scenario of making major repairs, upgrades, or necessary maintenance without critical boat insurance understands just how valuable boat insurance can be in the short term and the long term.
Why you absolutely, positively must have boat insurance in the first place
There are any different number of reasons that you may want to invest in boat insurance immediately after your initial boat purchase, some of them more obvious than others.
For instance, if you are using a lending service to purchase your new boat, the odds are fantastic that the specific lending company or financial institution is going to request and even require that you insure your boat completely in the same way that you would have insured your vehicle or home. Not only will that insurance protect you and your investment (as well as your financial future from complete and total ruin should something happen to your boat), but you’ll also be able to get better loans thanks to the protection that you’re affording the financial institution or lending body.
Secondly, you’re going to want to make sure that you invest in high quality boat insurance for your own peace of mind. There’s nothing quite like sailing out into a fantastic body of water knowing that regardless of what happens to your boat – and especially if nothing whatsoever happens to your vessel – you and your family are completely and totally protected.
How to invest in the very best boat insurance available
At the exact same time, you don’t want to just jump on any old offer for boat insurance that comes your way.
In fact, there are a number of a less than ethical businesses and companies in the boat insurance world looking to hook right into new be boat owners with big promises, low monthly payments, and a track record for success that is more than a little bit dubious – potentially landing you in the poor house if you’re not careful.
Luckily, there are a number of more than ethical businesses that you can move forward with when you decide to invest in boat insurance. You’ll want to make sure that these companies provide you complete and total physical damage coverage, high quality liability coverage, passenger medical coverage, and any extra package (including, but not limited to towing assistance, maintenance, and other repairs that may not be covered by your general boat insurance) that you can think of.
Always choose to work with the very best of the best, and you’ll never have any reason to worry while you’re out on the water.
A Closer Look At RV Insurance
November 18, 2013
Do you have a recreational vehicle? If you do, is that same vehicle under some type of insurance policy?
Many people often get into the ‘field’ of owning and maintaining a recreational vehicle–only to find out that much of the ownership part has a lot in common with owning a standard vehicle. Much of that surprise involves the fact that, yes, you do need specialized insurance to cover your recreational vehicle.
Get a RV insurance policy
Recreational vehicles, also known as RVs, are vehicles that can double as ‘homes’ when on the road. Thanks to this unique ability, many recreational vehicles like motor homes and trailers need a separate insurance policy to make sure that it’s adequately protected against unexpected occurrences.
You’re not going to get enough coverage from homeowners insurance or car insurance. Car insurance doesn’t provide coverage for vehicles like RVs, and if you find a policy that does provide coverage, it’s not enough. Homeowners insurance won’t cover motorized vehicles—if the policy even offers some coverage for any kind of vehicle at all.
Due to those factors, getting an entirely separate insurance policy for your RV is the way to go. To get started searching for a recreational vehicle insurance provider, you can actually type that into a search engine. For now, we’re going to take a brief look at some of the things to expect when searching for RV insurance.
Terms and coverage options to watch
As with any insurance policy, there are a number of options you need to ‘watch out’ for when you’re shopping for the right one. Here, we’re taking a look at a few.
Total loss replacement coverage provides reimbursement for any needed replacement and/or repairs for your recreational vehicle. Many insurance providers have different terms and conditions to determine how their cash settlements are paid out.
As an example, RVs of newer model years might gain a higher cash settlement than those of an older one. There are also options that allow you to cover any personal possessions that are associated with your RV, which can provide thousands of dollars of coverage in the event of a loss.
Liability coverage for vacations and travel covers you in case of third-party bodily injuries and/or property damage losses occurring at your vacationing site.
Many policies also include some form of emergency expense coverage, an option that pays for transportation and hotel expenses in the event of a covered loss. Many RV insurance policies will also provide coverage for medical payments if you or another party suffered injuries from an RV accident.
Insurance Quotes – How To Get Them Online And Why You Need Them
October 16, 2013
Even though it’s simple enough to search online for various Florida insurance policies, it’s even harder to find a policy where ‘the price is right’ for your insurance needs.
People who are looking for car or auto insurance in Florida, as an example, already have several options. The state provides many car insurance plans to cover a variety of lifestyles—from the tourist to resident to retiree.
The car insurance quote
Perhaps the simplest way to get an accurate price on the type of insurance you might want to get involves getting what’s known as an insurance quote.
Insurance quotes are known as an estimate of what your potential insurance rate might be with prospective insurance providers. Although you can immediately pull any insurance quote via the web using an online insurance quote tool, the quotes themselves are typically subject to change, according to various parameters.
In most cases, the information provided for insurance quotes change according to how much information you provide at the time of requesting the quote. As long as you provide more information, the insurance quote tool is likely to provide you with more accurate insurance quotes.
Many people wait no longer than 15 minutes to get an accurate insurance quote, particularly when they’re online. On occasion, you might have to wait more than 15 minutes for an accurate quote, as different parameters like multiple drivers and/or vehicles can change the scope of your prospective insurance policies.
You need car insurance quotes
It’s important to use not only online tools, but car insurance agents themselves to find out more about Florida insurance quotes for cars and other vehicles. Car insurance quotes simply help you actually save money on your insurance policies—right before you sign the corresponding contract.
Car insurance quotes can come in handy if you’re directly buying your car insurance online. You can actually buy car insurance in Florida online, provided you use one of many reputable car insurance providers within the state. Naturally, it’s important to go with a reputable and reliable car insurance provider, as it guarantees you the safety and legal protection you need for yourself and your vehicle.
So, when you shop online for Florida car insurance, you’re very likely to come across various tools used for generating and comparing price quotes from many insurance companies. If you compare car insurance – or any type of insurance quote – against each other, you can potentially get a much better deal than if you were to go with the supposedly cheapest car insurance policy available at the time.
In most cases, many car insurance quote ‘generators’ will ask you for information pertaining to:
- Your drivers’ license number.
- Your vehicle’s identification number (VIN#).
- Your vehicle’s financing company and/or resource.
- Information about your vehicle, generally including its model, model year and make.
As long as you have this information available, many car insurance websites will provide you with insurance quotes in less than 15 minutes.
On occasion, car insurance websites will ask for additional parameters, like if your car has airbags, anti-theft devices, anti-lock breaks, window etchings, to generate a more accurate quote. These quotes can also generate results based on if you have multiple cars and/or policies to purchase.
Ultimately, buying car insurance online is about getting results—but, it’s also about getting accurate results, especially if you were to take your Florida insurance quotes to a car insurance company in person. Using online car insurance quotes from competing car insurance providers can help you leverage a better deal at your provider of choice.
The advantage of car insurance quotes
Did you know that car insurance quotes can give you an advantage, especially if you’re looking for car insurance?
The already instantaneous factor presented by online car insurance quote websites helps a lot of people save money when they need to save money. If you only search in person, as another example, you could spend too much time at only one car insurance provider, and instead opt for that provider over paying much less at another.
Many people, in fact, are too used to going for ‘the next best thing’ at their current car insurance providers. They probably fell into their policy as a result of going with the cheapest options there, instead of choosing something that best fit them after shopping around. When you instead choose to use car insurance quotes to assist your search for cheap car insurance, you don’t have any added pressure whatsoever.
It’s easy to look up any car insurance site and learn more about any insurance company that hosts insurance policies you might want to buy. You can also look up customer reviews and get a look at what other customers think about certain car insurance companies after buying their policies.
Anyone can use Florida insurance quotes from online resources to make more educated decisions about buying insurance in the Sunshine State. So, the next time you’re planning to get car insurance – whether you’re a resident or retiree – don’t forget to get your online car insurance quotes first!