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Auto Insurance in Miami, Florida September 25, 2009

Posted by newboyinfl in Miami Auto Insurance.
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Tourists The sub-tropical climate in Miami makes it different from other major USA cities. Approximately 12 million visitors per year ranks Miami, Fl as one of the nations top vacation destinations. Florida’s tourism industry provides a huge rental car market.

miami auto insurance 3Thousands of people driving in unfamiliar vehicles and surroundings are a combination that increases the likelihood of accidents.

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Foreign nationals There are a staggering number of people from another country who live in Miami, Florida permanently. In 2006 Miami-Dade County, Florida had the highest percentage (50.3 percent) of foreign born residents relative to the total state population (Migration Policy Institute).

Many of these drivers do not speak English, do not understand the “rules of the road”, and never obtain a Florida drivers license. These realities increase the hazard of car accidents.

Are you driving less than when you started your policy? Let your agent know and they will lower your rates due to a decrease in risk.

2.  How much coverage do you need?  If you own your vehicle outright, find out how much it’s worth either with the NADA or Kelly Blue Book, If its less than $6,000 or $7,000 ask yourself if having full coverage on it is worth it.  If it gets totaled, getting a similar car won’t be a stretch.

Find out what your state requires as minimum coverage. Miami Auto Insurance

An insurance agent who exclusively represents one company is a captive agent. Allstate utilizes captive agents. Independent agents represent a variety of insurance companies.

These types of insurance agents are not directly employed by insurance companies and receive a commission, from the company not the consumer, when a policy is sold. Direct writers, such as Geico, employ personnel and pay them a salary.

Progressive is an example of a company which uses independent agents and employees of the company to sell their policies.
Tip: The price for a Progressive policy varies depending on how it’s purchased; through an independent agent or directly from the company.

“Cutting corners” is another way to spend less. Smoking fewer cigarettes, or quitting, will save money and improve your health. Once again, for insurance it’s not so obvious. It’s reasonable to assume that reducing the amount of coverage on your automobile insurance policy will lower your premium.

You might also want to have a credit card or assessment ready in case you need to make a situate once you find the right auto insurance policy for you.

Crucial Questions to Ask Auto Insurance Agents

After youve obtained general car insurance quotes online, its time to ask these crucial questions so you can narrow your options. But even before you contact agents, study all the kinds of coverage and tongue so youll have an sensing of how car insurance works.

The more you know, then the easier it will be to want an auto insurance policy.

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Orlando Auto Insurance – Understand The Requirements September 25, 2009

Posted by newboyinfl in Orlando Auto Insurance.
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Orlando Auto Insurance – Understand The Requirements

If you live in Orlando, Florida or you need to visit for longer than 90 days you must have Florida auto insurance.

Remember that driving without car insurance is against the law. You have to obtain auto insurance even for vehicle which you are not using at the moment,if it has Florida registration tag.

You must obtain auto insurance from Florida, not another state.

Orlando Auto Insurance Requirements:

orlando auto insuranceThe minimum coverage required is:

1. PIP – Personal Injury Protection, $10,000.

2. $10,000 Property Damage Liability, referred to as PDL

Additionally, if you have been involved in an accident, or have been convicted of certain offences, you may be required to purchase Bodily Injury Liability (BIL) coverage.

The No Fault auto insurance law is used in Florida.

This means that if you are involved in an accident, your insurance company will cover your medical expenses, regardless of who was at fault.  The at fault party is responsible for covering the property damages.

Ways to save money on Orlando Auto Insurance

Compared to other cities in Florida, the residents of Orlando pay slightly more for their car insurance.

That being said, there are some things you can do in order to pay less for your auto insurance.

1. Leave the car at home more often – use public transport whenever you can and also walk. Driving less means less expensive car insurance and less money for gas too.

2. Pay attention on the road- if you have speed tickets or other traffic violations, your car insurance in Orlando will go up.

3. Online quotes are your friend – you will be surprised how much you can save if you shop around.

Get free Orlando auto insurance quotes in minutes and see how much you can save today.

Is you credit rating driving up your Florida auto insurance? September 12, 2009

Posted by newboyinfl in Florida.
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Many people’s credit scores have fallen as banks tighten their lending standards amid the industry’s financial turmoil. A recent study by TransUnion LLC, one of the three big credit-reporting companies, noted that consumers in Florida and other large states hit hardest by the recession have lost an average of about 10 points from their scores in the past year. And the situation is expected to worsen, the study warned.

The practice of using credit scores to determine insurance rates has been disputed since insurers first adopted it in the early 1990s. The industry insists that the lower a driver’s credit score, the greater that person’s risk of having an accident. Consumer groups and many state regulators insist that theory is full of holes.

Florida No Fault Auto Insurance

But beyond the statistical argument, people simply need to catch a break these days amid double-digit unemployment rates and the worst economic conditions in decades, said Walter Dartland, a Tallahassee-based consumer advocate and former Florida deputy attorney general.

Insurers don’t rely exclusively on credit scores, but they are part of a formula used to calculate what is known as an “insurance score.” That rating also takes into consideration factors such as your driving record — though your credit score clearly carries more weight.

Regulators say they hope to get sponsors later this year for a bill in the Florida Legislature that would strengthen the law and perhaps ban the practice entirely.

Florida Auto Insurance Companies

Kimberly Abbes would like that. After her insurance company rebuffed her objections to the rate increase in her auto coverage, the Clermont woman went shopping for a new policy. Fortunately for her, a new company has offered her coverage for the same amount she was paying her current insurer before the price increase, Abbes said.

Auto Insurance Claims In Miami September 12, 2009

Posted by newboyinfl in Uncategorized.
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Many purchasers of auto insurance panic a bit when they have to file a claim. This is kind of silly though because it is not really a big deal as long as you follow a few simple steps.
Upon realizing you must file a claim, get in touch with your Miami auto insurance agent no matter who is at fault. It is vital to inform your auto insurance company that you were involved in an altercation, and in doing so you should be able to find out if you’re covered for any damages.

After getting in touch with your auto insurance company, you should then ask what documents or forms you need to fill out to proceed, and what else is needed to support your claim. Most auto insurance companies will insist upon a police report as well as what is called a “proof of claim” form. After these forms are submitted, most auto insurance companies allow you to monitor the progress of your claim on their website.

Make sure to keep your own records even after you’ve submitted the appropriate forms. Information to keep on hand include the names and phone numbers of all involved parties, as well as the copies of any receipts and other bills that are relevant.

When you get a chance, it is important to ask your agent some questions about your own claim. These include the following: -Is there a specific time limit for filing claims, as well as submitting bills and resolving claims disputes? -What is the time limit for the submission of any additional information? -Will the car insurance company get in touch with me by any particular date? -What quotes do I need to receive for the damages to my vehicle? -Does your policy covers a rental car, and if it doesn’t then how much do I need to spend?

Just remember, in the end the claims process is subject to each state’s own laws and other regulations. Your own auto insurance agent should be able to answer any questions that pertain to your state’s individual policies.

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