How To Easily Change Your Auto Insurance Company

One of the biggest reasons we hear for changing insurance are lower rates and better policy value. Other popular reasons for changing insurance are Group Coverage for family or business, adding a driver or family member or another vehicle to a current insurance policy.

There are many ways that Budget Bi Rite can help you lower the cost of your auto, homeowners or other insurance coverage and find the best policy for you. Switching from your old insurance company to a new insurance company is not hard to do. Today we are focusing on Auto Insurance but please give us a call if you are shopping for a new policy in other areas.

If you are considering this before your renewal date on your current policy, you do not want a lapse in your insurance. So, when you go with a new company, put that in place and then contact your other insurance company immediately to cancel your old policy and ask them about a refund for any days left on that policy.

You may want to consider changing when your current policy is up for renewal. You should receive a notice for renewal 30 days for your current policy. Be sure you have your new insurance policy ready to start by the time the current policy ends. We will be able to time the beginning of the new policy to coincide with the cancellation of your prior coverage.

It is against the law to drive without insurance in the state of Florida, you must carry a minimum level of auto insurance. Do not take a chance of getting into an accident with no coverage.

Thinking of changing? We offer insurance for every budget! Contact us today. Let us know your needs. We can find exactly what policy is best for you, give you a quote right over the phone and have your policy issued in just minutes.

We are authorized agents for over 10 top companies and our company takes pride is keeping updated on the most current changes in the Insurance market to get you the best rates!

Call us today to at 863-453-3903

 

Serving All of Florida

 

 

Photo Courtesy of fantasista. at FreeDigitalPhotos.net

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Wildlife and Driving Precautions in the Winter

In the northern regions of the United States, you could have a collision with wildlife and even more, so it is hard to detect them while driving in blustery snow. A Moose whistle which is placed on the front of a vehicle may help. It makes a sound somewhat like a dog whistle that only the moose, deer and other wildlife animals can detect. The moose whistle is a tool to help alert the precious wildlife to stay back from your area and your moving vehicle.

One of the most common animals to come into a collision with a vehicle is a deer and this type of collision could cost you dearly.

How can you be more careful to avoid this? Learn more about the deer’s habits. Deer has a natural camouflage and detecting them while driving can be difficult if you are on an interstate and driving at high speeds. It is easier to spot them during the day, but in the early morning hours and evenings this can be a challenge.

During the fall and November, it is particularly more of a danger for both a driver and a deer when they are looking for food in the winter and mostly in the mountains. Keep an eye out if you are on a road protected by deer fence and keep special attention to where the fences begin and end, as deer can cross in these areas. Also look for signs like roadside fences broken down and be sure to slow down in these areas.

Hitting a deer can cause severe injury to the animal and damages to your vehicle and injuries to you and your passengers as well.

The moose are also another animal to look out for and can cause more severe injuries and damage all the way around since a moose is much bigger than a deer. The injuries that occur when colliding with a moose are head and neck injuries since the moose is much taller and bigger and the full body weight with the windshield of many vehicles is common.

Travel carefully if in the areas of wildlife and know that the early morning hours from 4 am to 6 am and the evening hours from 6 pm to 11 pm are the most dangerous for the animals and drivers alike.

 

 

 

Photo courtesy of Raylaen at Pixabay.com

Important Motorcycle Safety and Insurance Tips

Whether you are driving or a passenger on a motorcycle, there is something very special about hitting the open road on a beautiful day and taking in the sights. You must have insurance to drive a motorcycle, but what type is required?

Property damage and bodily injury liability insurance is required and a minimum of $10,000 in medical insurance.

Without motorcycle insurance, you risk penalties such as,

Loss of License

Loss of Tag/Registration

Restitution for any damages you may cause in an accident

Three years of high risk SR22 mandatory liability insurance coverage

Not only are we talking high risk, but we are also talking higher amounts of money coming out of your pocket.

Your Medical expenses

Damage to your motorcycle

Loss of income due to injury

when all this could be avoided.

Let’s face it, you are taking a risk every time you get on a motorcycle. When an accident occurs, what is said from the other party’s involved in many causes is “I did not see them”, where did that motorcycle come from”? Rule of thumb. If you are driving a motorcycle, you need be on the lookout, don’t expect the other people on the road to look out for you.

In effect as of July 1, 2008 all first-time motorcycle license applicants must complete a Basic Riders Course to obtain their motorcycle endorsement.

Knowledge of your motorcycle, safety, and the rules of surviving on a motorcycle give you that much more of an edge. Bundle that with Insurance for protection in case anything happens and you can be riding with more comfort.

As much as people concentrate on the injuries, there is another form of insurance to consider when owning a motorcycle.

Theft Insurance

One of the biggest rackets out there is stealing motorcycles to strip them down and sell the parts.

Protect your investment and make you motorcycle less appealing to be stolen.

Lock it Up!

There are a large range of ways to lock up your ride.

Cable Locks

Pad Locks

Disk Locks

Ground Anchors and Wheel Clamps

Alarm System

Common Sense:

Just as when you were a kid with your bicycle, there are some of the same rules that apply with your motorcycle.

Always keep the ignition locked.

Lock up your ride with another motorcycle

Don’t take your eyes off your motorcycle, when traveling, riding around town, or at a friends house.

Always park your ride where you can see it.

Drive Safely and have fun!

Have Questions? Call us today to get your questions answered 1-863-453-3903

 

 

 

 

Photo Courtesy of khunaspix. at FreeDigitalPhotos.net

Tips for the Right Gear and Insurance for Motocross Dirt Bike Fun

When choosing Insurance for your off-road motorcycle, you are providing both you and the bike a safety net just as important as the gear you are wearing. Dirt Bike/Motocross are for off-road fun. These bikes are designed for riding on unpaved ground or rough terrain and are not street legal.

A Helmet– This expense is crucial whether you are on road or off-road with your motorcycle. This your most valuable asset. When choosing a helmet make sure you pick quality, its fits properly and is secure every time you ride.

A Neck Brace– Just as important as the helmet. Your getting bumped and jostled just riding over the terrain. We never want to think we are going to go down, but in the event that this happens, with a neck brace, you have protection from serious injury.

Chest / Back Protector– There are many of these available and use of one is highly recommended as a chest / back protector (also advertised as a “Roost Deflector”) can help dissipate the energy generated in a crash and help protect internal organs and other body parts from impact damage when you end up in a yard sale.

Knee Braces– Excellent piece of protection. Everyone who rides a dirt bike should have Knee Braces. Every time you get on that dirt bike you should be wearing these for the same protection you would give to your head and chest.

Boots– Protect your ankle and foot area, get a pair of good quality boots in place of a standard boot to offer that need protection to your lower leg.

Goggles– Lets face it, your going to be in dirt and mud that slings from other riders when you are competing. Your clear vision can mean a race and your safety. Suggestion: Tear Off goggles that can provide you with the clear vision you need.

Staying Hydrated – is a must and just a critical as the gear you are wearing.

Always follow the safety rules when riding Motocross/Dirt Bikes and make sure you have the right insurance coverage.

 

 

Photo Courtesy of 3239028 at pixabay.com

Tips for What to do if You’re Driving Behind a Slow Driver

Driving a least one car length behind another vehicle per every 10 miles an hour is good advice and may prevent you from hitting the backend of the vehicle in front of you in case of a sudden stop. Not only is it safer, but courteous. Sometimes we just want to get where we are going and getting behind someone going slow is frustrating.

Here are some tips if your driving behind a slow driver.

Stay calm and stay behind them at a safe distance until you have an opportunity to turn off to a short cut you know or to pass them safely. Use your turn signal so they can see you are about to go around them. If at night, use your turn signal and then proceed with caution.

Here are some tips to avoid getting rear ended.

Make sure your brake lights are working correctly. Use your turn signals well in advance of lane changes and turning onto side streets.

Check your rear view mirrors to see what is going on behind you. If you have someone riding your back bumper, pull off the road or into another lane and let them pass.

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