FloridaInsurance.com Offers Money Saving Tips For Homeowners

In Florida, homeowner’s insurance can be expensive. FloridaInsurance.com offers these money saving tips for homeowners to save money on their homeowner’s insurance.

It’s inevitable. Before you purchase a house in Florida, you must get homeowners insurance to protect against a fire, burglary, or one of countless other disasters. Luckily, there are a few ways to save money on your homeowners. FloridaInsurance.com offers these valuable tips:

Get your homeowners insurance with the same company that has your car insurance. Having multiple policies with the same insurance company can save you money each month. Why? Because the more policies a company has, the more business they have. As a result, they like to reward clients with a better rate on their coverage.

Invest in a home security system. Most insurance companies will provide a discount for ensuring your house in protected against theft or disaster. Talk to a local home security system- most end up free by the time you apply the discount on homeowners for protecting your house. Even if you don’t have money for a home security system, many insurance companies offer discounts for putting protective measures on such as deadbolt locks on the hours, smoke detectors, or sprinkler systems.

Consider making home renovations. The better protected your house is, the more likely you are to get an insurance discount. Look into getting hurricane proof windows, storm shutters, or stronger roofing. Be sure to ask the companies you at looking at whether any of these will qualify you for an insurance discount.

Review your insurance coverage annually. While it’s true you’ll want to be covered in the event of an emergency, don’t necessarily worry about insurance for things you don’t need. For example, insurance for more than your valuables is worth is likely something you can get lowered to save you money. Also, though you will want to make sure you have the money in your emergency funds to cover it, consider raising your insurance deductible. Finally, don’t forget to remember that you’ll likely want to insure the amount it would cost to rebuild your house, not your property. Oftentimes, people insure their land as well, which is not at risk for many things (such as theft) that your insurance covers.

Ask about memberships. If you are a member of any professional organization, military group, or senior citizen group, ask if they offer a discount. Many agencies will consider offering a discount to individuals who are associated with these groups.

To learn more call 1.888.525.2210 visit http://www.floridainsurance.com.

FloridaInsurance.com To Provide Information and Quotes Online

When it comes to insurance, many consumers are at a loss as to what they should look for. To help provide this information, Floridainsurance.com has created a website to give money saving tips, coverage options, and information to help make an informed decision.

Florida is one of the most beautiful places in the world. Beaches, sun, and warm weather make it an ideal place to live. Unfortunately, like everywhere else in the world, Florida still has a high rate of natural disasters. Between the high accident rates, hurricanes, and floods, having insurance is a vital decision everyone must make to protect their property. Making an informed decision on what insurance is right for you, your family, or your business is not an easy decision. To help educate consumers of this decision, floridainsurance.com has developed a user-friendly site to allow consumers to research various information on the issues facing today’s insurance companies. The site will allow users to research information such as insurance definitions, business insurance news, what types of coverage options are available in Florida, and to serve as a place to find the insurance coverage to best suit insurance shopper’s individual needs. The site, developed for information purposes only, does not benefit financially for the providing this information.

In addition to serving as a place for information, Floridainsurance.com also serves to provide consumers with insurance quotes. When looking for insurance, many consumers find themselves comparison-shopping at three or more places, each providing the deal their company can offer them. Unlike other companies, however, Floridainsurance.com provides consumers with rates and varying rates from several different companies. What’s more, Floridainsurance.com provides consumers with an independent, third party to help match the best insurance coverage with their needs. How is this possible? Because unlike many other agents; known as captive agents; Floridainsurance.com serves as an independent agent, making them able to provide costumers with quotes from over forty different companies in a matter of minutes. Once someone picks a quote that’s best for them, Floridainsurance.com can then transfer you to a local insurance agency that can assist in filling out your information to get your coverage started.

Looking for a local insurance company you can trust? The website also provides contact information in the Tampa, Saint Petersburg, Sarasota, Pensacola, Orlando, Naples, Fort Myers, Jacksonville, and Miami area to help connect you directly to local businesses.

To learn more call 1.888.525.2210 visit http://www.floridainsurance.com.

Factors to Consider in Car Insurance Rates

Heard a neighbor got a great car insurance rate and thinking of jumping to that insurance company to save money? Think again - several factors go into auto insurance that makes each quote as unique as the individual.

Are you looking for car insurance, and figured you would go with your neighbor’s car insurance since they got a good rate? Think again. Just because your neighbor got a good rate for car insurance, doesn’t mean that the company will give you the rate they gave your neighbor. Many different factors go into determining your coverage. Here are just some of the factors that help determine the cost of insurance offered to you:

Credit Rating
Those that have developed good credit over the years now get to start reaping a reward. Studies have shown those with better credit ratings are less likely to have accidents, thus creating lower rates for drivers with better credit.

Driving Record
Insurance is priced based on the potential likelihood that you have an accident. Therefore, if you’ve had tickets in the past or driving accidents, expect your insurance to be higher than someone else. This also applies to drivers who may be newer at driving - as the risk is higher.

Vehicle
Sure, your friend may have the same type of car, but what about the year? Is the model a different color or body style? If so, expect the rate to potentially be at least slightly different. Why? Studies have shown cars, such as coupes, are sometimes more likely to get into accidents. What’s more, sometimes a different year or model has additional safety features driving the cost of that car’s insurance down.

Other Factors
In addition to all the other factors listed above, some other factors also exist. Are you older or younger than your friend? Car insurance rates tend to go down at the age of 24 and go up if an individual is older. Car insurance also tends to be higher for males than females. In addition, if the individual’s home or other vehicles are with that company, he or she may qualify for an additional discount.

As you can see, insurance rates can be customized, based on coverage just as they are on the individual. Many factors go into determining what type of insurance will give you the best vehicle. To find the best rate for you, find an insurance agent who can provide you with multiple quotes from several different insurance companies.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

Things to Consider in an Insurance Agent

When looking for an insurance agent, it’s important to consider several different factors. Remember, the agent you are considering will be the first person you likely go to for help in filing a claim.

A good insurance agent can go far in helping you determine what type of coverage you are looking for, how much coverage is needed, and can assist you through the process of filing claims and modifying your coverage at a later date, if needed. Therefore, it is important that you take the time to carefully research each agent and their coverage options. Below are some items to consider when determining which agent is right for you:

Is this agent a captive agent or an independent agent?

In the insurance industry, there are two types of insurance agents. One called a captive agent, who provides a quote from one insurance company exclusively. The other, an independent agent, can provide you with quotes from multiple agencies - providing you with the best coverage and rates available.

Is the agent you are considering full service?

What type of insurance does the agent offer? Are you looking for one type of insurance only, or are you looking for several types of insurance such as car, homeowners, etc. Having multiple types of insurance with one agent can make it much easier to ensure you have the best coverage for each type of insurance.

Does this insurance agent provide the customer service I expect?

A question you must be sure to look for is how much help you will get if the time comes that you need to file a claim with your insurance. Some questions to ask include whether you can contact your agent directly if you need to modify your policy at some point.

How connected and experienced is this agent?

To find an insurance agent, be sure to ask friends, family, and colleagues for recommendations. When you do find a potential agent, ask about their experience in the insurance field, and for potential referrals.

Regardless of which insurance agent you choose, remember to carefully look at all the factors. Remember, insurance is protection for the event an emergency happens. When an emergency happens, you need to be able to trust that the agent and insurance you have will be able to protect you and your loved ones.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.