When and Why You Would Need Temporary Auto Insurance

Where a normal insurance policy is not always needed, temporary insurance can be purchased. It is usually used for a short period of time hence “temporary”.

This type of insurance can be a bit more costly then regular insurance but well worth it in case something could happen to the vehicle.

Here are some reasons why you would want to purchase temporary insurance.

Heading out on a vacation? Temporary insurance is a good idea if you are going to be driving a vehicle which is not yours, or a rental car to avoid some high rental company insurance fees. Check to see if your current auto policy covers rental cars, if not you may need the temporary auto insurance. Business travelers may purchase temporary auto insurance in conjunction with car rentals for work purposes.

 

Your son or daughter are home from college and needs to use your car or truck. Although the temporary auto insurance policy is more expensive than regular coverage on a month to month basis, using it for these limited periods can sometimes be far less expensive than including the student on a family’s policy.

Moving to a new home with friends helping out, and possibly driving your vehicle’s is another reason to be covered while in transit.

In each of the above situations, or in any circumstance you are buying a temporary auto insurance policy, be sure to check with your auto insurance company. Sometimes, temporary drivers of a vehicle may already be insured through the regular policy on the vehicle and your insurance may already cover you for Car Rentals.

Note that it is usually not possible to purchase temporary policies for situations where an individual is living in the same house as the policyholder.

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

 

 

 

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Tips for Insuring Antique and Collectible Vehicles

id-100425130As an owner of an antique car or truck, you should know what your auto policy can do and not do for you versus a collectible vehicle.
To have a policy on an antique vehicle the age of that car or truck must be at least 30 years old and the coverage will be determined by the condition and what the owner plans to do with it. There are limitations for this type of coverage in how much the car or truck will be driven.

With an antique coverage policy there is do not drive clause on a regular basis or the vehicles are meant for display only. There are specific details that will specify the actual mileage limits per year. With Collective Vehicle coverage the car or truck can be driven with limitations.

Another specification that will determine the coverage of an antique vehicle is how it is going to be stored. The guidelines usually state that the vehicle must be locked up in a garaged type area. Not to just throw a cover over it outside, but to be closed up and safe. Many Antique cars or trucks are irreplaceable and worth quite a bit of money, the insurance company providing coverage has guidelines for the purpose of also making sure the upkeep of the vehicle is up to par.

 

 

 

 

 

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DIY Auto Maintenance Tips to Save Money

ID-100359683Keeping your engine maintained can prevent trips to your neighborhood mechanic with problems you do not expect and out of pocket expenses that could be prevented.

One of the easiest things to check off the top of the list is your oil. You oil should be changed every 3,000 to 5,000 miles depending on your vehicle and your owners manual should indicate how often. With the oil being changed the oil filter needs to be renewed as well. If you own an older vehicle with more mileage, you may want to check with your mechanic for more frequent changes.

Tune Ups are just as important. This is simply making sure your hoses are still good, spark plugs are sparking and the belts are not wearing. This preventive maintenance can save you time broken down on the road and even better gas mileage. When you go in to have your oil changed, consider taking a little extra time to have the tune up done too or do it yourself it you know how.

What is your mileage on the car? Are you over 60,000 miles on the speedometer? If so you are not driving a new car any longer and may notice it does not idle as it used to and may have some hiccups here and there. These may be little signs of some wear on the engine and should be addressed.

Not only does our engine need attention but also what is underneath the vehicle. Your tire pressure should be checked from weekly to monthly depending on how often you drive. The wrong tire pressure and wear can cause you to get less miles to the gallon. Check for wear on the tires and have them rotated, as well as check the alignment of your vehicle as this too can cause the tires to wear faster if not aligned correctly.

Taking a little extra time from your day here and there to maintain your vehicle can save you money in the long run and who wants to sit on the side of the road waiting for a tow truck when this could have been prevented.

 

 

 

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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.

 

 

 

 

 

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Why You Would Need SR-22 And FR-44 Coverage for Auto Insurance

id-100193271An SR-22 / FR-44 is a certificate used by the insurer to file the motorist’s policy with the state. You’ll need an SR-22 or an FR-44 if you’ve had a problem with your drivers license, such as a DUI, (Drinking Under the Influence), reckless driving or not carrying auto insurance. This is a major part of your journey as a driver to get back the privilege of driving.

An SR-22 is a form that is submitted by your auto insurance company to Florida’s Bureau of Financial Responsibility. This ensures that you have met the state of Florida’s liability limits. The state requires you to carry minimum liability limits of $10,000 in bodily injury per person and $10,000 in property damage. You will pay more for auto insurance because of your driving record. Plus, you’ll pay a $15 filing fee to submit the SR-22.

You may also be required to file an FR-44 which is similar to an SR-22 but the minimum liability is higher – the minimum requirements are $100,000 in bodily injury per person and $50,000 property damage. The cost to file the FR-44 is also $15 but again you will pay more for auto insurance because of your driving record and the increased liability limits. This form is referred to as Florida Uniform Financial Responsibility Certificate FR-44 or just FR-44 for short. You must maintain this filing for three years.

If you are required to fill an SR-22 or an FR-44, you will have to pay more for your auto insurance, but there’s no need to pay more than necessary. This is where an insurance agency like Budget Bi Rite comes in. They are able to help you find the policy you need at the cost you can afford. They will also assist you with filing for your SR-22 and FR-44 in their office.

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

 

 

 

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