Category Archives: Auto Insurance

Will Car Insurance Cover Storm Damage?

What starts as a mild storm can turn ugly quick. The question of whether the car insurance policy you have will cover storm damage is to be expected. Below are a few facts to consider before you experience damage to your vehicle from a serious storm.
Unpredictable Weather

Weather patterns seem to be getting less and less predictable every year. While the debate rages as to why this is happening, the answer does nothing to alleviate the worry of having serious damage occur to your vehicle. Take the time during calm weather periods to look at your current policy and see what coverage you already have.
Look Beyond the Basics

A basic liability car insurance policy will make your vehicle legal to operate on the road, but it will not cover the costs of repairing or replacing a vehicle with serious storm damage. Basic policies are designed to cover property, medical and vehicle damage done to another vehicle when you are at fault. You will need to consider adding additional coverage to protect your vehicle from damage.
Consider the Age of the Vehicle

The age and condition of your vehicle should figure in on the decision to get added coverage. The increase in monthly premiums might not be worth it if there is very little to recoup in value. You might be better off placing those funds into an interest bearing account and save the money for a replacement vehicle.
Keep the Garage Handy

Stay weather-aware and put the car in the garage when there are warnings. it is a myth that cars must be left in the open for the insurance policy to cover damages. An existing car insurance policy will cover the vehicle whether it is in the garage, on the driveway or being driven on the street. It simply makes sense to protect your car as much as possible from getting damaged.
All About Timing

Hurricane season is roughly six months of the year in the state of Florida. Although it has been some time since the last serious storm hit, there is always the possibility of tropical systems kicking up enough wind, rain, and hail to damage your vehicle. It is too late to get or change coverage once a storm warning is issued. Make sure you add the coverage you need before a storm sets sights on your area.

Contact experts like Fearnow Insurance to get the storm coverage you need from auto insurance carriers in Florida right away!

Fantastic Ways To Save On Auto Insurance Explained

Fantastic Ways To Save On Auto Insurance Explained

Fantastic Ways To Save On Auto Insurance Explained

In choosing the right auto insurance it is important to spend no more than you have to in order to keep yourself and your car safe. Whether you are searching for minimum coverage or want to feel more protected with a more inclusive plan, read this article to pick the right auto insurance for you.

As you choose car insurance, be sure to properly protect yourself when it comes to liability for property damage and bodily injury. The right amount of coverage in this area can make a big difference in the event of an accident. Not having enough coverage can leave you with a lawsuit that can be hard to recover from.

Reassess what kind of car you are driving. Your car insurance premiums may be based on what kind of car you are driving. Sportier cars or SUV’s can carry higher premiums because they have more liability and they are generally more expensive to replace or fix when they have been damaged. Continue reading

Find The Best Coverage For The Least Amount Of Money

Find The Best Coverage For The Least Amount Of Money

Find The Best Coverage For The Least Amount Of Money

Auto insurance is something that every car owner has to deal with. But there can be so many options and so much confusing terminology. This article can help you to understand what those complex terms mean and what they mean to you as a consumer. By taking the time to learn about auto insurance, you can save yourself money and frustration.

If you are a young driver and pricing auto insurance, consider taking a driver’s education course, even if your state does not require driver’s education to earn your license. Having such a course under your belt shows your insurance company that you are serious about being a safer driver, and can earn you a substantial discount.

To keep your insurance claim going smoothly, you should start a notebook with details as soon as you make the claim. The first thing you will get is a claim number and everyone involved will be asking for that. Documenting every contact, conversation and promise will help you negotiate your settlement later. Continue reading

Advice On How To Get Good Auto Insurance Rates

Advice On How To Get Good Auto Insurance Rates

Advice On How To Get Good Auto Insurance Rates

So just what is going on with auto insurance in this day and age? With everything else going on in your life, it can be nearly impossible to keep track of the latest trends and information. Here in this article, you will find some of the most important information that you have been looking for.

When considering auto insurance, remember to look for your available discounts. Did you attend college? That could mean a discount. Do you have a car alarm? Another discount may be available. Remember to ask your agent about what discounts are available so that you can take advantage of the cost savings!

If you have a shiny new car, you won’t want to drive around with the evidence of a fender bender. So your auto insurance on a new car should include collision insurance as well. That way, your car will stay looking good longer. However, do you really care about that fender bender if you’re driving an old beater? Since states only require liability insurance, and since collision is expensive, once your car gets to the “I don’t care that much how it looks, just how it drives” stage, drop the collision and your auto insurance payment will go down dramatically. Continue reading