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

 

 

 

Photo Courtesy of everydayplus. at FreeDigitalPhotos.net


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

 

 

Photo Courtesy of fantasista. at FreeDigitalPhotos.net


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.

 

Photo Courtesy of Stuart Miles. at FreeDigitalPhotos.net

 


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.

 

Photo Courtesy of debspoons at FreeDigitalPhotos.net

 


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

 

 

 

Photo Courtesy of  Salvatore VuonoFreeDigitalPhotos.net