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

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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


When Is It Too Late to Purchase Home Owners Insurance with Hurricane Coverage for Florida

ID-10092951Hurricane Season 2016 is here and we have our first official Hurricane called Danny. Time to keep an eye on the storm and get a list of supplies together just in case. As important as preparing for a storm is, you also need to make sure you have homeowners Insurance with Hurricane Coverage.

Don’t wait for a Tropical Storm or Hurricane watch or warning to be issued for your area. Once there is either of these warnings it is highly unlikely for you to get a NEW policy issued in the state of Florida. If you do not have hurricane coverage and there is a named storm out in the ocean, now would be the time to get a policy before the warnings are up in your area.

Other things to consider for our homeowners policy.

Flooding in Florida

Flood Insurance is not included in your homeowners policy. Flood insurance is separate. Any damage from water that does not include wind and rain from the Hurricane would be covered under Flood insurance.

Check with an insurance agent and be advised that there is a 30 day waiting period before your flood policy can go into effect. You can get a flood policy even if you are not in a flood zone.

Coverage Inside and Out of your Home

Make sure you have a current policy that matches the value of your home and valuables. Now would be a good time to take inventory and re-check everything you want covered.

Don’t Be Surprised

Check into your policy to see how you benefit if there is loss due to a Tropical Storm or Hurricane. Do you have replacement of goods or will you get a cash value.

Windstorm Deductibles

What is your deductible? Don’t wait until a storm had caused damage to find out what you deductible is. Windstorm Insurance usually carries a much higher deductible. Talk to an insurance agent about what are the best possibilities for you.

Take it With You

In the event you need to evacuate your home, take your insurance policy with you. As a back up, make copies and mail to a friend or email to yourself. You can also make copies and keep in a safety deposit box at your local bank.

Have a Pool?

Many pool owners have a screened in pool or a pool cage. Make sure this is also covered on your policy.

Storm Shutters

Having storm shutters may not only be a bonus for your home, but also on your homeowners policy. Ask an insurance agent about a bonus for having the shutters.

After The Storm

Assess your property damage, make notes and take pictures inside and out to present to your insurance agent. Keep receipts of everything your spent in repairs, and what you needed to get your through the storm. Not all may be covered but better to have them then not. If you had to evacuate or leave your property after the storm because of damage, keep receipts of hotel bills, food, rental car, etc.

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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