Tag Archives: Fl

How To Lower Auto Insurance Cost – Tips For Senior Drivers

ID-10044374Everyone wants the best rates on their auto insurance policies but Senior drivers may present a higher risk of accidents, usually leading to higher auto insurance rates.

Following these tips below can take you toward lowering your cost on your auto insurance policy.

1. Avoid accidents and pay close attention at intersections. Auto accidents involving seniors often occur at intersections. Left turn lanes with their own arrows need special attention, yielding as well.  When stopped, always keep your tires pointing straight ahead. If you were rear ended while yielding and your tires are turned you could be propelled into traffic.

2. Always try to flow with the traffic and drive at the speed limit. Driving too slowly can trigger dangerous “road rage” in less patient drivers and be as dangerous as speeding, especially when entering or exiting interstates or freeways. It .

3. Keep current on the traffic laws relating to new traffic designs.Many violations include failure to yield right-of-way, improper turning or incorrect lane changes.

4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion, this will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.

5. Senior drivers can refresh their skills and knowledge by taking a refresher driving course. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.

6. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.

 

Have questions? Contact us today at 863-453-3903

 

Photo Courtesy of Ambro. at FreeDigitalPhotos.net

What Insurance Do You Need For A Houseboat

houseboatsHouse Boats can be quite luxurious with larger rooms for sleeping and dining as well more fully equipped kitchens. Want to put a big screen TV in the living area, that can be accommodated as well.

If you love the water and like to travel there are popular spots to dock your home while you enjoy a new exciting place and people. House boats are bulky and move at a slower pace then most boats and learning to navigate these homes is essential as accidents can happen, causing damage to both property and individuals.

Whether you are looking to buy or already own a houseboat, just like owning a home on land, home insurance is required and necessary. You are making an investment on your houseboat and you want to be sure that your covered for any possibility of damage, sinking and your personal finances.

Check to see what your houseboat is classified under. Many insurance companies have them under the same classification as pleasure boats, ski boats, sail boats, cabin cruisers and more. When your houseboat is taken under consideration for a policy, the insurance company may look at the size, age of houseboat, type and how much horsepower it has. Houseboats used in rivers of lakes may have different coverage then those used in the ocean or hurricane prone areas.

Insurance coverage can also be taken out for vandalism, storm damage, fire, theft, capsizing, living expenses for under repair and more. Another important option would be pollution coverage if case your boat leaks oil or fuel. Cleaning up after an accident or leak from a houseboat can be quite costly.

Houseboats can be enjoyed for many years with the proper upkeep and if the owner has the assurance of knowing that problems, if they arise, are covered.

 

Photo Courtesy of Pixabay.com

Homeowners Insurance – Importance of Liability Coverage For Pets

ID-100226591Your cute little puppy is a great addition to the family. Your new bouncing bundle of joy puts a smile on your face until you find him happily chewing on your shoe, or the leg of your chair. This you can control, but what about when your puppy gets bigger and decides to tear up your neighbors flower bed or possibly bites someone?

As much as we train and love our pets, we do need protection for the the not so proud moments that can happen. It is a good idea to be vigilant about your dog’s interactions with visitors to your home. Typically, the liability portion of your home insurance coverage should cover the actions of your pets if they damage items that you don’t own or if they injure people who do not live in your house.

Be aware that there are certain types of pets that can make it difficult to obtain home, renters or condo insurance. Dog bites make up one-third of all homeowner insurance liability claims, according to the Insurance Information Institute, and last year dog bites costing nearly $571.3 million and accounted for more than one-third of homeowners insurance liability claims.

You can purchase home insurance protection for your pets indiscretions for most types of domestic pets. Some insurance companies will provide you a list of certain types of dogs that they may consider not insurable. What they are basing their information on is the breeding history, temperaments and the risk factors. So, if a particular dog breed has a documented history of attacks or bites, some insurance companies may consider this risk to be too high, thus causing the company to deem the breed un-insurable.

Common dog breeds that are often not considered insurable include:

* Akita

* Alaskan Malamute

* Chow Chow

* Doberman Pinscher

* German Shepherd

* Pit Bull

* Presa Canario

* Rottweiler

* Siberian Husky

* Staffordshire Bull Terrier

* Wolf hybrids

Exotic animals, such as snakes, tigers, etc., also may fall in the un-insurable category. Check with us today to see if owning any of the pets above has limitations. It is actually a good idea to check when choosing a pet to bring into your home.

When you apply for home insurance, disclose information about any pets you have to ensure your policy will properly cover you involving your pet.

Have Questions? Call us today to get your questions answered.

 

 

 

Photo Courtesy of vudhikrai at FreeDigitalPhotos.net

How To Save MOney on Your Auto Insurance Coverage

ID-100350401

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

The Minimum Limits of Auto Insurance in the State Of Florida

ID-100193271In the state of Florida you must have auto insurance to drive a vehicle.
When you get behind the wheel of your vehicle, the first thing on your mind is where you are going. The next thing you may think about perhaps, is everything is running great but I really should have the oil changed soon.What your not focusing on is getting into an accident.
Once you get behind the wheel, you are legally responsible for damages or injuries caused by an accident. In the state of Florida not having auto insurance comes with penalties. You could be facing paying a large fine, have your driver’s license suspended, and / or your vehicle impounded.

The minimum limits of auto insurance in the State Of Florida a valid Florida license plate and four wheels are:

$10,000 Personal Injury Protection (PIP) also called Florida No Fault Insurance

This policy covers you in the case of an accident, your fault or the other drivers. PIP will also cover passengers who do not have PIP as long they do not have a vehicle registered. Those that have their own PIP coverage can use their own coverage. Other coverage includes, pedestrians being struck and suffering an injury by a vehicle, your child on the school bus in case of injury, if you are in someone else vehicle involved in an accident.

The $10,000 breakdown is 80% of your medical, 60% of lost wages and 100% of household services for a standard policy. For an extended policy is it 100% medical, 80% of lost wages and 100% for household services. Additional Coverage for PIP is available with 100% medical, 80% of lost wages and 100% of household services up to a higher limit then the standard policy. The extended and additional coverage is only for the person with the policy.

$10,000 Property Damage Liability (PDL)
This is for damages you or members of your family cause to someones vehicle in an accident. You are liable for not only personal injury but property damage as well.

$10,000 Bodily Injury Liability for one person in any accident
$20,000 Bodily Injury Liability two or more people in any accident

Bodily Injury is not required at this time for a standard driver, but is a very necessary coverage. Bodily Injury Protection covers you in case of a serious accident that may cause sever injury or even death. It will cover you and your family members who live with you and drive someone else’s vehicle. You will also have coverage for representation in the case where there is a lawsuit.

Required Bodily Injury Protection – If you have been convicted of a DUI (Driving Under the Influence) you will be required to have Bodily Injury Protection on your auto policy. After October 1, 2007 the least required is $100,000 per person and $300,000 per accident. Once you get your driving privileges back, you must carry Bodily Injury Protection for up to 3 years.

According to Florida’s Financial Responsibility Law you are financially responsible for damages and injuries you cause in an accident. PIP and PDL may not be enough coverage and having Bodily Injury Protection can take over what the others may not be able to cover in case of an accident.
Even if you have Full Coverage Auto Insurance, ask if Bodily Injury is included.

The benefits of having auto insurance is not just coverage to help protect you and your family with injuries and damages caused by an accident. As well coverage could protect you against financial loss, repairing or replacing your vehicle if stolen or damaged.

Photo Courtesy of pakorn at FreeDigitalPhotos.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

9/11 We Will Never Forget!

Another day that will live in infamy…. Prayers and thoughts to the families of those who died in the tragedy of September 11, 2001.. 17 years ago today…

We Will Never Forget and honor our Military Men and Women for protecting our Country, our Rights and Freedom.

Take a look back at Facts and timeline of that tragic day….

“And God will wipe away every tear from their eyes; there shall be no more death, nor sorrow, nor crying. There shall be no more pain, for the former things have passed away.” (Revelation 21:4)

God Bless America!

 

Highs and Lows of Ceiling Fans

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