Tag Archives: auto insurance

Discounts on Your Auto Insurance – 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

Why You Have Florida No Fault Insurance Personal Injury Protection

Some states including Florida require no-fault auto insurance. Knowing about your state’s auto insurance laws will help you if you ever need to place a claim with your insurance company and what you are purchasing with your coverage.

No-fault insurance laws were designed to limit drivers ability to sue each other in case of an accident for personal injury up to the limits of your PIP policy. Each driver is required to purchase PIP (Personal Injury Protection) which is included in your policy package. Your insurance company will cover your injuries no matter who was at fault for the accident, hence PIP (Personal Injury Protection). For the damage to your vehicle, the same rules apply for liability going to the person found at fault for the accident.

PIP insures, that at least a portion of medical bills, lost wages, lost services and even funeral expenses are covered in the event of an accident. Your children, members of your household, passengers riding in your car are covered. In some cases it may also cover those you loan your car to who are not covered by their own policy. PIP will also cover you and your family on school buses, while a passenger in another car, and if you are a pedestrian and injured by a vehicle. Your coverage amount will be determined up to the limits of your policy.

The law in the state of Florida for no-fault requires you carry a minimum of $10,000 of PIP and $10,000 of property damage liability. You must be insured to drive a registered and licensed vehicle in the state of Florida for the duration of the registration of the vehicle.

If you are a seasonal or part-time resident of Florida, for at least 90 days out of the year, you are required to carry both the PIP and Property Damage Liability Florida insurance on it and the 90 days to be consecutive to require this insurance on the vehicle.

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

 

 

Photo Courtesy of Tumisu at Pixabay.com

Funny Auto Insurance Answers on Claims

When you are filling out a claim for an accident with an auto insurance company you are required to answer questions about the accident and fill out some forms so your claim can be processed. Here are some funny ways some people answered those questions…

• The other car collided with mine without giving warning of its intention.

• I thought my window was down but found it was up when I put my hand through it.

• An invisible car came out of nowhere, struck my car and vanished.

• The guy was all over the place. I had to swerve a number of times before I hit him.

• I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.

• The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.

• The accident was caused by me waving to the man I hit last week.

• I was on my way to the doctor’s with rear-end trouble when my universal joint gave way, causing me to have an accident.

• As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.

• I didn’t think the speed limit applied after midnight.

• The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end.

• When I saw I could not avoid a collision, I stepped on the gas and crashed into the other car.

• Coming home, I drove into the wrong house and collided with a tree I don’t have.

• The indirect cause of this accident was a little guy in a small car with a big mouth.

 

 

 

 

 

Photo courtesy of mary1826 at Pixabay.com

Safety Tips – Driving on Flooded Roads in Florida

July and August bring on the rainy season in Florida with many thunderstorms and lots of rain pouring down in a short amount of time. This can cause street flooding quickly. When driving in rain, drive slower than normal and be aware of other drivers who may lose control and slide into your car on slick roads. The day can turn cloudy and dark suddenly, put your lights on to make it easier for other to see you. Driving through water can cause you to get stuck and may ruin your car.

Learn more about what this does to your car and other tips – Driving Through Flooded Streets Causes Unseen Damage to Your Car

Check out this video taken in winter time in Florida when these storms and heavy rain are not so popular!

 

 

 
Flooding Overtakes South Florida Streets

  
Have questions about flood insurance? Contact us today at 863-453-3909 or visit our website Here.
Stay safe!
 
 
 
 
Photo Courtesy of darylaim at Pixabay.com

 
 
 
 

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.

 

 

 

 

 

Photo Courtesy of Naypong at FreeDigitalPhotos.net

Recreational Vehicle Summer Travel Check List

It’s summer travel time and when you own a Recreational Vehicle it’s all about getting on the road. Before you do, be sure that your RV or also called motor home is ready for travel. Many people store their RV and use it only during the summer months. When you get it out of storage go through these safety checks so you can are prepared for your upcoming trips.

Check your tire pressure and tire thread. Fill up the propane tanks and check for leaks. Take your RV to be serviced, have the hoses inspected, the lights, battery, fluids and brake system tested. Have an oil and filter change. Ask your technician to go over your recreational vehicle from top to bottom. To save money, do what you can before hand. The next step is to clean and go through the inside. Check your appliances, plumbing system, air conditioning unit, windshield wipers, etc. Do a thorough cleaning of the floors, walls, cabinets and furniture. Don’t forget to wash your RV before you head out also.

Then it’s time to pack! Go grocery shopping and stock up on the food you’ll need for about a week. Don’t forget the staples like spices, sugar, flour, rice, broth, tuna, coffee, tea, jam and jelly, etc. You can create a check list that you reuse each year. There’s also your hobbies to think about. Bring your books, movies, puzzles, bicycles, tennis rackets, golf clubs, etc. Fill up the closets but leave some room for what you may buy while you’re traveling.

Your trip is mapped out and your reservations are set, but before you think of leaving, check to see if your Recreational Vehicle Insurance is up to date. Don’t think that your automobile or homeowners insurance will cover your personal property, or injuries that happen in your RV. They won’t.

Stop or forward your mail. Stop the newspaper delivery and let your neighbors know how long you’ll be gone. Leave a contact phone number with a few people that live close to you in case of emergency. Ask someone to check on your home. You may want someone to go inside if you’re going to be gone for a long while, to do a good look over of your home plumbing, appliances, electricity, etc. If you have a neighborhood watch, let them know about your travel plans too.

Have a wonderful trip this summer in your RV! Knowing you have recreational vehicle insurance will help you feel secure while you’re on the road and hooked up at the campground.

 

 

Photo Courtesy of MemoryCatcher at Pixabay.com

 

 

 

 

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So Really, What does that Seat Belt Do For You?

One of the easiest ways of being safe in your vehicle is to simply wrap that seat belt around you and insert into the buckle by your seat until you hear the click. How many times have you heard or read a news story where someone has said, They are alive because they wore their seat belt. Just that statement alone should have you thinking, Why would you Not wear your seat belt?

Wearing your seat belt can be the difference between major injury, being paralyzed or death. The alternatives to not wearing your seat belt far out weigh the reasons you should.

The first seat belts were placed in American cars in the 1900s to keep people in the car on rough roads rather than to protect them in wrecks. Seat Belts were in race cars in the 1920s and finally in a some cars on the open market in 1950. In 1966, the Highway Safety Act and the National Traffic and Motor Vehicle Safety Act were passed and the auto industry was regulated. Seat belts were on their way to becoming standard equipment.

So Really, What does that Seat Belt Do For You?

* Preventing you from being thrown from the vehicle in a roll over or heavy impact.

* Minimizing impact with your passenger and the dash board or windshield.

* Decreasing the time it takes someone to come to a stop upon impact by retraining you.

* Most important Seat Belts Save Lives!

Seat Belts are not just for the driver but for everyone in your vehicle, including your children.

See article for Child Safety Here

Buckling on a seat belt is easy, life saving and the law! Take those few seconds and make it a habit to have you and everyone in your vehicle buckle up before you turn the key.

 

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.

 

 

 

 

 

Photo Courtesy of koko-tewan at FreeDigitalPhotos.net

How to Be Prepared For An Auto Accident or Breakdown When Traveling

id-10095450Going on a trip or across town, accidents or breakdowns can occur. Being prepared can take some of the stress out of both of these situations.

You are required to carry your vehicle registration and proof of insurance with you, to be sure you never leave home with out them, keep them in a center console of your vehicle, if you do not have one, the glove box will do just fine as long as you have these two vital pieces of information at your finger tips.

The Insurance ID card shows your policy number, expiration date and very important, how to contact your insurance company in case of an accident.

The Vehicle Registration shows proof of ownership of the vehicle and when your license tag will expire. Be sure to keep the information updated if you move and don’t let that sticker that comes with this registration expire, or you may have to pay more for being late or get a ticket for an expired tag.

A check list in case you are in an accident may be provided by your insurance company but if not, here is some information you want to obtain from the other driver. Name, Address, Telephone, Insurance Company and policy number. Also be sure to get the name and badge number of the police offer on the scene helping you. Make notes about the accident while it is still fresh in your head such as, date, time, other vehicles makes, models, year built, color and license plate numbers. Take photos for future reference.

Other vital pieces of information you will want to keep handy is emergency contact numbers. The number to your doctor or a local hospital, and also the number of a family member or friend to contact in case of a serious injury in an accident. If you have allergies or are on any medication it would be a good idea to have your medical card or a list handy with your other items in your glove box or console.

A First Ad kit is not just for the home. You should carry one in your trunk in case of injury in an accident or maybe a breakdown and just changing a tire. Flares at night or cones in case you break down are great for making other drivers aware you vehicle is on the roadway and are able to be seen in the dark way before the other driver is close to your vehicle. You can also keep an orange reflective cone in your trunk for this purpose as well.

Fix it up on the go tools are very helpful. A tool box with screwdrivers, hammer, socket wrenches, which you may find handy to change out a battery. Contact your mechanic to find out what tools can be most useful for your vehicle in case of a breakdown to help you get back on the road or to a repair shop.

The Flashlight is always handy and be sure to check the batteries if you are planning a trip to be sure it works.

Whether you have been in an accident or had a breakdown, it can be a trying experience. Make it easier on yourself by being prepared.

 

 

 

Photo Courtesy of David Castillo Dominici 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