Tag Archives: auto insurance florida

Driving Through a Storm Safety Tips

ID-10066768Driving safely on the road in pouring down rain and wet roadways can be a challenge. One of the things to keep in mind is the method of driving on wet pavement versus dry.

Just like a boat on the water, your vehicle can skid over the water in what is called hydroplaning. When your hydroplaning your tires lose traction with the pavement and you are now slipping and sliding over water. Worn tires, tires not inflated correctly, how fast you are going and the amount of water on the pavement contribute to hydroplaning. This is scary and the first thing to do is Don’t Panic!

Here are some tips to get your though hydroplaning safely.

Take your foot off the accelerator.

Do not step on the brake.

Shift the vehicle into neutral.

As the car is slowing down, steer in the direction you want to go.

Here are some tips to help you in a rain storm.

• Turn on your lights if they do not automatically come on. It is required by law but sometimes it is the smallest things we forget to do. This will not only help you see but will help other motorists to see your car on the road.

• Reduce your speed when you are approaching any sort of large puddle or flooded roadway. Decreasing your speed will increase the contact of your tires treads on the surface of the road and reduce the risk of hydroplaning in pooled water. (See tips for driving on flooded roads here)

• Stay a safe distance from other cars to avoid an accident. If they start to hydroplane it could cause them to come into your car.

• If you are approaching stop signs or light signals, slow down a bit sooner than normally and give yourself time to stop completely when you get to the light or stop sign.

Try to drive as smoothly and cautiously as possible. Avoid excessive braking and accelerating and be careful when going around corners, if you tires are slippery you veer off instead.

Maintaining your vehicle is vital for just a time such as a very wet roadway or rain storm.

• Make sure both your headlights are working correctly. You want others to see you in the daylight and at night.

• Check your windshield wipers. Replace the current wiper blades with new ones whenever there are any issues with it cleaning the windshield properly.

Your tires are vital for your safety. Get good tires that are suited for wet and dry conditions. Look more for quality then low price. Make sure your tires are inflated to standard of your vehicle. Well maintained tires can cut through water and more importantly keep traction better then worn tires. If you do not see good tread on your tires, its time to go shopping.

 

 

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Do You Have These Three Important Coverages on Your Insurance Policies?

If you own a home you have homeowners insurance, if you own a vehicle you have auto insurance. We all pretty much know the basics of these policies but your Homeowners and Auto Insurance may offer more then you think.

Identity Theft

On the rise, hackers are on the hunt for your information, these criminals can take your credit card, debit card, social security information and more. Once this is done, you will now be spending your time fixing your credit and reputation.

Under your homeowners policy you can report Identity theft and get help. Coverage limits vary, so contact our homeowners insurance agent to find out if you have it or can add it for a small fee and what coverage is best for you.

Off To College

If your child is a college student living on campus in a dorm, your homeowners policy may cover them for any items if there stolen. If your child is still a dependent, the dorm is considered an extension of your home and so the coverage applies. Before your child moves in take pictures and write down the information of that item such as serial numbers, make, model, etc, and keep in a folder. If other valuable items are purchased after they move in be sure to keep pictures of them also in case you need to make a claim. Contact one of our agents today for more information.

Roadside Assistance

Flat tire, run out of fuel or locking your keys in the car, you need roadside assistance and this can be costly. Ask our auto insurance agents what type of roadside assistance is available on an auto policy.

 

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

 

 

 

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Helpful Tips for What To Do If Your In An Auto Accident

ID-10076578Your fault not your fault, accidents happen. As much as we prepare, getting auto insurance, wearing our seat belt, taking a defensive driving course, we also need to be prepared for what to do on the scene when an accident happens to you.

Immediately stop your vehicle or do not move it from the place it has stopped.

As hard as it may be at this time, keep calm. The leg work you do at the scene will help you later in case of any disputes.

Check yourself and your passengers for injuries. Call the police immediately.

Check the other vehicle for injuries to report them as well if they have not or are unable to call.

Use a camera or your cell phone to take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs, etc.

Notify your insurance agent and/or your insurance company right away.

You should also be aware of things NOT TO DO

Do Not – Argue with other drivers and passengers. Give your statement to the police and your insurance company.

Do Not – Sign statements regarding fault or promises to pay for damage.

Do Not – Sign anything releasing the other party from further responsibility. Example: If another party offers to pay your deductible.

By releasing the other party, you jeopardize your insurance company’s right, which may lead to the company refusing to pay for damage to your car.

 

 

 

 

 

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Tips: What To Do With An Aggressive Driver on the Road

ID-100201950Not only are there laws to follow on the road there is also courtesy and an aggressive drivers or someone with road rage does not follow either the law or have courtesy to others. You may see an aggressive driver weaving in and out of traffic, speeding, cutting off other drivers, tailgating, basically engaging in reckless and dangerous maneuvers.
If you travel, or maybe just on your way to work, the grocery store, taking the kids to school or back home, you need to be prepared for such drivers to keep you and your passengers safe. Here are some helpful tips:

Get out of the Way!
Once you have spotted the aggressive driver try to get out of the way. Stay calm and concentrate on your driving with no distractions. If they are tailgating you, put on your signal and change lanes as soon as possible. If you are near a public place, take a break and pull in even if its just for a few minutes.

Do not challenge an aggressive driver
Do not have eye contact. The aggressive driver may see this as a challenge and if road rage is involved with this driver, you are putting yourself in danger.

Do not make or return gestures or yell
As unsettling as this episode can be, remain mature. Do not get aggressive back with obscene gestures. Do not yell or speak to the other driver. Once you do you have engaged in their behavior and the game is on.

Try to stay off the horn unless necessary.
You can get a person really worked up if your consistently honking the horn at them, use your horn sparingly. This aggressive driver is like the bully on the playground but unfortunately the playground this bully has chosen is a roadway.

Call the Authorities

It is certainly not courteous to yell, blow your horn excessively or give someone the finger, but it is against the law to put someone in danger on the road.
Aggressive driving is when an individual commits a combination of moving traffic offenses that endanger other persons or property. If you see that an aggressive driver is causing danger to others or yourself call the authorities and report it. If you have a passenger in the car, have them get the license plate number, a description of the vehicle and driver.
 

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Auto Insurance Tip – What Does Liability Coverage do For You

We all are cutting corners these days, but is it wise to cut back on your auto insurance coverage? First lets see what exactly Liability Insurance does for you.
Liability Coverage (Liability)
Liability is one form of coverage addressed in most automobile insurance policies. Liability insurance is the coverage that pays for injuries and damage sustained by a third party and/or their property for which you are responsible.

Bodily Injury Liability (BI)
Covers just that, other parties bodily injuries or death in case of an accident which you are responsible. It also protects you in case of a lawsuit and provides legal defense. This coverage is usually required. Be sure you have enough coverage in case something does happen and you have enough coverage so you do not have to pay out of pocket for medical bills, loss of income, pain and suffering, etc. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. It is mandatory in most states.

Insurance that Covers Property Damage (PD)
This is coverage in case you cause an accident or damage to someone else property and will cover your vehicle as well. For instance, if you damaged another parties vehicle, mail box, a sign, statue, etc.Some insurance policies have split limits for bodily injury and property damage. If you select limits that are too low, you could be putting yourself at risk financially. Be sure to check what your insurance policy provider allows for these limits to be sure you have enough coverage.

Liability limits are one way to save money on your insurance policy, but you need to be very careful about how low you choose to go.
The lower your limits on your liability coverage the lower your premium will be and the less you will be covered by your insurance in case an accident does occur. This means you will be paying more out of pocket. This is definitely not a place to pinch penny’s, it could cost your thousands of dollars later.

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
We find insurance that meets every budget!

 

 

 

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Discounts on Your Auto Insurance – Find Out What You May Be Missing Out On!

Has it been a while since you talked with your auto insurance agent? Is it time to renew your policy? Find out what discounts you may be missing out on!

Insurance rates go up and down and depending on what type of vehicle you drive, how many miles you put on it every year, and more. If you do not inform your insurance company of changes you could be missing out on discounts.

Here are some things to consider:

No tickets or accidents in the past 6 months to a year or being a safe driver.

Changes in life style, a new job with shorter distance to work or don’t drive as much in general.

Your age could be a factor also. If you are younger than 25, your rate may be higher, the more experienced a driver you become after 25, the less you may have to pay (if you have a clean driving record).

Have your moved lately? Where you live can affect the cost of your car insurance rates, some places can make them go up and some go down, don’t just give your insurance company your new address, find out if you can get a discount for your new area.

Other discounts you may want to ask about are good student discount, military discount or a senior citizen discount, (ask about our AARP discount for seniors).

We offer a big discount depending on what prior carrier you have been with for 1-2 years and a bigger discount for 3 years and an even larger discount if you have been with a prior carrier for 5 or more. Find out how much you can save by calling us for a quote!

You are probably not aware of all of the discounts that are available on your auto insurance policy. Call us today to get your questions answered. 863-453-3903

or visit our website budgetbirite.com and fill out our short form. We will have an agent contact you within 24 hours.

Serving All of Florida

 

 

 

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How To Easily Change Your Auto Insurance Policy

id-100347129One 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 insurance and find the best policy for you. Switching from your old insurance company to a new insurance company is not hard to do.

For most auto insurance a notification in writing and specifying the date you want the policy to be canceled is all that is required as long as payment is kept up to date. Some insurance companies require the policy holder to send in a copy of the policy and then send a cancellation request form to be signed and returned. We will be able to time the beginning of the new policy to coincide with the cancellation of your prior coverage.

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 terminates. We will be able to time the beginning of the new policy to coincide with the cancellation of your prior coverage.

Most insurance companies require policy holders to present proof of new coverage before they will cancel an active policy. Once your new policy is in place, you can have up to a 10 day grace period to cancel out your old policy. We recommend you do this the same day.

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 and give you 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 all us today to at 863-453-3903

 

Serving All of Florida

 

 

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Save Money on a New Car, Auto Repairs and Insurance

id-10053884Looking for a new vehicle? Need repairs on the one you have? Want lower auto insurance? Follow these tips to save you time and money..

Repairs and Maintenance

Head to the auto parts store before you go to the mechanic. Need a new battery, starter, alternator? Auto parts places like Auto Zone or Advanced Auto Parts offer a range of free services, like checking out what may be the culprit of your vehicle giving you trouble. Let them tests it our before spending money on tests with the mechanic.

When you do need to go to a mechanic, make sure the estimate for repairs is accurate. Once you have the estimate, go to RepairPal.com.estimator and put in the following; your vehicles make, model, year and what repairs are needed. You will get an average cost for the repair in your area to compare to your estimate.

Know what your can expect from the dealership before you go in.

Looking for a new car is exciting and knowing up front what you can expect gives you better leverage for saving money. Before heading to your local dealership, do your homework online. Some dealerships can offer you a quote through your email. Put in what type of vehicle you are looking and any other specialties and wait for your quote. You could also head over to CarWoo.com. This website gathers up quotes from dealerships in your area to compare. Simply choose the make, model and add your zip code. A list of dealerships shows up on the site. Create an account with them and get the offers. They even keep you anonymous.

You can shop around for auto insurance or contact us today for a free quote. We can research multiple companies to give you the best rate.

 

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What Insurance You Need for your Recreational Vehicle or pull along Camper

ID-10077864 Before you hitch up that camper or get the behind the wheel of your new RV (Recreational Vehicle), check your auto insurance policy or this vacation may cost you more then you bargained for.

Some insurance companies will allow you to insure your camper on your auto policy and others may require you to get a recreational vehicle policy. The coverage you are looking for is liability. If you have this included with your auto insurance coverage more than likely the liability will extend to to towing the camper as long as its hitched up to your vehicle.

If you want liability coverage while the camper is unhitched such as at a campground or in storage you may want to check your homeowners or renters policy to see what extension on the coverage you have.

Extra coverage for an RV or Camper is always available if your other two options do not have the coverage you need. You can also purchase comprehensive and collision coverage just like you have with your vehicle and get a separate deductible. Specific questions about your camper or RV would be, what it is made of aluminum, fiberglass etc, the size and length of the vehicle and if its a pull behind.

Contacting your insurance company before purchasing the RV or Camper you are considering is highly recommended to find out just exactly what type of insurance policy you will need. When you purchase, add that policy right away, especially if you are not an experienced driver.  Contact us today with any questions, glad to help.

 

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Driving to Close – Tailgating The Wrong Way

ID-10049689Did you know that if you hit the person in front of you even if they slam on their brakes suddenly, more then likely you are going to be at fault for the accident for riding to close also called riding their bumper and Tailgating. This could be considered aggressive driving. What you should be doing instead is driving a least one car length per 10 miles an hour.

Here are some tips if your driving in frustration 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 click on your high beams a couple of times so you get their attention and then proceed with caution.

Here are some tips to avoid getting rear ended.

Make sure your brake lights are working correctly. If your vehicle is not up to par, you may be charged if you are in an accident when someone has run into you.

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 and let them pass.

Use your turn signals well in advance of lane changes and turning onto side streets.

Stay within the speed limit, going to slow can be just as dangerous as driving too fast and yes you can also get a ticket for driving too slow.

 

Call us today to get your insurance questions answered. 863-453-3903

or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We find insurance that meets every budget.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving All of Florida

 

 

 

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