Tag Archives: avon park

How To Save MOney on Your Auto Insurance Coverage

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These tips can help you save money on your Auto Insurance…

What you can control with your Insurance Discounts

• Location

Where you live and work makes a difference. If you live in an area with little or no traffic your insurance rates should be lower. If you live in a big city with traffic and where more accidents are likely to occur you are more likely to have a higher rate. Some neighborhoods with a high rate of theft can also add to higher auto insurance rates.

• Driving Violations on Your Record

If you have a history of moving violations, accidents, speeding tickets, DWI or reckless driving you are at a risk of higher insurance premiums and possibly having to purchase SR-22 (a driver already having been convicted of a Failure to maintain Auto Insurance, traffic related offenses -DUI’s, DWI’s or other serious traffic violations involving negligence or severe endangerment of other drivers or pedestrians) and FR-44 coverage(typically the FR-44 is required after DUI convictions and has higher limits than the SR-22). As your record improves, your premium will get lower.

• What Type of Vehicle You Own

Consider the cost of car insurance before you buy your dream car. Contact and agent and run a few vehicles you are considering and the agent will be able to let you know what risk these vehicles fall under for safety, theft and more.

• Accident Claims

A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.

• Your Credit History

Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.

• Your Occupation

Insurers have statistically found a correlation between your occupation and risk of filing claims. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.

There are some discounts that you Cannot control with Insurance Discounts.

Men or Women

Women are statistically safer drivers. Men have riskier driving patterns than women and are more aggressive on the road. (sorry guys)

• Age

Teen drivers and those under the age of 25 have higher risk of an accident than those older. Statically teens drivers allow a shorter headway and in comparison with other age groups have the lowest rate of seat belt use.

Drivers under the age of 25 are at greater risk of being in an accident than those over age 25 because people under 25 are more likely to seek adventure and take risks. Drivers between the ages of 50 and 65 generally have the safest records.

• Marital Status

A married person will pay less than a single person with an identical driving record.

At Budget Bi Rite You can choose Personal Injury Protection (PIP) PD and Bodily Injury or Full Coverage

We offer cheap rates on SR-22 and FR-44 coverage

We also offer a wide variety of discounts such as safe driver, Senior citizen, good student, multi-car and previous insurance.

Ask us about deductibles as low as $100.00.

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!

 

Photo Courtesy of fantasista at FreeDigitalPhotos.net

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What Does Renters Insurance Cover in Florida

ID-100258105In any given year, burglary losses in the United States run in the billions of dollars. The average residential loss often exceeds $1,000.00” (Insurance Industry News)

Many renters do not realize they have so much to lose, whether it is personal belongings or financial loss due to legal liability. If you do not already have renters insurance, you may question its importance and the coverage it provides. Check out some common questions and answers below. You might be surprised to learn just how much you risk losing without proper insurance for both your personal liability and your personal belongings.

Q: Why would I need a renters insurance policy if my landlord carries insurance?

A: The insurance your landlord carries covers the building structure, but does not cover your personal belongings—your furniture, wardrobe, appliances, television—anything that you’ve moved into the building. You need a renters policy to cover your personal possessions.

 Q: Just what is covered by renters insurance? (Also known as “insured Peril”)

A: A covered peril is a cause of loss for which a renters insurance policy will provide protection. Insured losses include theft, fire, smoke, lightning, explosion, riot, vandalism, hail, and water damage from plumbing.

Q: What are the odds of my home/apartment/condo being burglarized?

A: Chances of a burglary in your home are greater than you think. In fact, a burglary occurs about every ten seconds. According to recent FBI statistics, two of every three burglaries occur in homes, condos, or apartments with an average loss of $1,004 per residence!

 Q: Renters insurance covers theft in the home. What if I’m held-up while away from my home, or if I’m a pickpocket victim?

A: Renters Insurance can provide coverage form theft whether it occurs at home or away from home. This coverage includes protection against loss from robbery, pickpocket theft..Even credit card loss, forged checks or counterfeit money.

Q: If my video cassette recorder of stereo were stolen, would my renters insurance provide coverage to buy a new one?

A: The Personal Property Replacement Cost Option in a Renters Policy assures you that most of your covered property will be repaired or replaced without deduction for depreciation. For example: if stolen they above mentioned items will be replace with Brand new items.

 Q: What is the difference between an ACV (actual cash value) and Replacement cost policies?

A: ACV policies are cheaper because they take into account the age of the item that is lost or destroyed. For Example: a 5 year old Stereo is stolen. An ACV policy will only reimburse you the value of a 5 year old stereo! (Maybe $100 if you’re lucky!) A replacement policy says go buy a NEW Stereo of like Brand, quality, features as the one that was stolen and we’ll give you the money to buy it brand new!

Q: What if my child accidentally breaks a neighbor’s window?

A: A renters policy covers property damage caused by you or your family members (up to the policy limits.) This family coverage is automatic in most renters policies.

 Q: How can I determine how much insurance I need?

A: Add up the dollar value of everything you own in your home. Clothing, furniture, television, stereo equipment, computers, kitchen utensils, etc. What would it cost Brand New if you had to replace everything? Most companies have a calculator to help you get in the ball park, but ultimately, it is your responsibility to determine how much you need.

Finally, as a Renter, you face many of the same risks as a homeowner. Some renter’s think they can never be sued as they don’t Own the property. What if you are out playing golf or softball with friends and someone gets hit with a ball? (either bodily injury and/or property damage) The liability of a renters policy will defend you and pay any damages up to the limit that you choose.

Image courtesy of hywards   at FreeDigitalPhotos.net

Information via http://www.hometownquotes.com

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

Love To Throw Parites? Make Money As A Party Planner

housewarming partyThe holidays are just around the corner and many people will be having parties or attending. If you love plan parties  from the guest list to adding the last touch to make your parties extra special, why not get paid for it.

Put your organization skills to work and coordinate an event that will stand out. There are many types of parties: Holiday, Birthday, Baby Showers, Weddings, Office, reunions, anniversaries and the list goes on.

You can start by volunteering to help a friend with a Church group event, school event or even a backyard over the top BBQ. This will give you an idea of how other people plan good or not so good and what you may do differently. Your style will stand out and people attending the party may want you to do one for them. Word of mouth is still one of the best forms of advertising, so be sure to have business cards on hand.

From your choices of themes, food and customer service, you can be known for your expertise. Start with a small group for say a bridal shower,  baby shower or birthday. There are many things that are already on hand to choose from for your theme.

The key to success is organization and being able to network with many people for different party’s. This means you will want to bring in florist, caterers, rental companies for chairs, tables etc.  If you want to just be the expert for Baby Showers or Weddings you can stay focused on that and still do very well.

Get Your Name Out There

Once you have added a few parties to your resume, (including the ones you volunteered for) get your name out there. Order business cards (VistaPrint.com offers a great deal for first time business cards) then build a website or blog to add to social media sites like Facebook, Twitter and Pinterest.

You do not have to have a degree to be a party planner but a few courses in management, money management would be good for the business side.

Have a list of everything you need that you can check off from start to finish. Head on over to The Tip Junkie where she has 11 Free Printable Party Planners and idea’s!

 

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!
Ask us about deductibles as low as $100.00
.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

 

 

DIY Produce Storage Bins From Mother Earth News

ID-100196322Need to make more storage in your kitchen? Mother Earth News has a great DIY idea for inexpensive and stackable produce storage bins.

They show you how to build storage bins from crates short and tall and even add casters to the bases  so you can move them anywhere you like.

Click Here to Learn How To Make These Storage Bins 

 

Photo Courtesy of hin255 at FreeDigitalPhotos.net

National Cheeseburger Day – 16 Places to Get a Free or Cheap Cheesburger – GoBankingRates.com

ID-10045022It is National Cheeseburger Day and we have found a great article over at GoBankingRates.com offering  places that are giving free, cheap to discounts to celebrate this day.

Some say the cheeseburger was created in 1924 by by Lionel Sternberger, age16, who added a piece of American cheese to a cooking hamburger at his fathers restaurant in Pasadena, California. Both father and son liked it  and named it the “Cheese Hamburger”.

Charles Kaelin who owned a restaurant in Louisville, Kentucky called Kaelin’s, claims he invented the first Cheeseburger in 1934. He claims he wanted to add a new tang to the hamburger and put a “cheese topped burger” on his menu, also claiming to be the birthplace of the cheeseburger.

In 1935 the name “Cheeseburger” was trademarked by Louis Ballast of the Humpty Dumpty Driving-In at Denver, Colorado.

While there are claims of who created this burger wonder, it is still one of America’s favorite foods and shipped all over the world.

Head on over to National Cheeseburger Day: 16 Places to Get a Free or Cheap Cheesburger | GOBankingRates and find a deal for a Cheeseburger place near you.

 

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

 

freephotos

Highs and Lows of Ceiling Fans

Good ideas for using Ceiling Fans… a must have in Florida

How To Turn Your Idea’s Into A Home Based Business

ID-100288572Whether you love baking cakes or love fashion and crafts, your ideas can be turned into a business if you know how to get started.

Today there are more and more home business popping up and the Internet is lending opportunity for this with such places as eBay, Etsy and others where you can set up shop right in your own home and sell on line.

Keys to your start up will make or break your business. Here are a few tips to get you started.

Map It Out

Put your business plan together by going over a few things from the start.

How will you store your product to make sure it maintains its originality and can not be damaged. Perhaps you have a spare room, that you can set up just for your items and keep that room available for packing and shipping as well.

If you are making crafts, etc… how much can you realistically produce in what span of time. The downfall for sales for many companies is the customer wanting your product and instead seeing the dreaded words “Back Order”. Now with on line shopping, going to another store is just a click away and you have the potential to lose a customer.

What is the Competition Up To

Get on line or open your local newspaper and search your type of product to see if there is a market. Are there other businesses in your area selling the same or similar product? See what other items are selling for, who is buying and what area’s of the world would your product fit into. Do people in Alaska really need air conditioners?

To Market We Go!

Ever since pen went to paper, I bet there was some sort of advertising going on. Before the Internet it could have been, flyer’s, newspaper ads, radio, tv or someone with a sandwich billboard standing in front of a restaurant, some of these which could be quite costly. With the Internet you can now advertise virtually for free. Social Media has opened doors for many to advertise if done correctly on Facebook, Twitter and one of the things highly recommended a Blog or website.

With Social Media, you no longer have the in your face type of selling rule, but instead you let people get to know you and your business. Offer information about your product by blogging about how beneficial or what makes your crafty designs so unique. Offer tips that surround your products, for example if you sell shoes, talk about where they come from, what makes them different or why they will make you feel like you have been walking on clouds all day when wearing them.

Everyone Loves A Bargain

You want to get your product out there and the best way to do this is offer an incentive. Coupons are used and popular with grocery stores and the companies offering these products use this marketing effectively. A new product is coming out in your local grocery store whether it be a new ice cream, or rice, you can bet there will be some sort of coupon to get the word out about this product and entice people to try it. Think about what you could offer a first time buyer to make them a customer that will keep coming back.

Customer Satisfaction

Don’t you just hate when you call a company and get yet another voice mail saying I have stepped away from my desk? These days unless you are really exclusive with your product or services, chances are the word “Next” will be going through your potential customers mind. Making yourself available or having someone answering the phone or email makes a world of difference. On your website or blog even the words “we respond to emails within 24 hours” is helpful.

What is your Return Policy

One of the reasons I love to shop at a certain retail store is that I can return the item I bought with no questions. Yes, I buy clothes sometimes without trying them on. In a hurry or just think that lovely top was going to fit or look good on me, turns out, well, not fitting right or me saying out loud, what was I thinking! I will continue to spend my money at there establishment and actually, when I go to return that top or other item that just did not work for me, I usually turn around with my money and find something else. Money given back and spent in the same place is a good thing.

Cover Your Hard Work

While you are considering or already have an on line or home based business, you may wonder if it’s worth it to purchase Business Insurance. This can be a difficult decision to make on your own.

Photo courtesy of punsayaporn  at FreeDigitalPhotos.net