Full Service Florida Insurance Agency

If you have a scooter, then you want to make sure that you invest in scooter insurance. Motorcycle insurance is just as important as auto insurance coverage. You also have to make sure that you practice safety when you ride a scooter.

Scooter Driving Tips

Wear A Helmet

This is one of the most important safety tips for driving a scooter. Before you start your scooter, you will need to put on a helmet. It is estimated that 37 percent of motorcycle fatalities can be prevented by wearing a helmet.

Take A Safety Course

Regardless of how long you have been riding a scooter, you can always benefit by taking a motorcycle safety course. The Motorcycle Safety Foundation offers both introductory and advanced courses. You will receive a variety of scooter driving tips. The more you learn, the more prepared you will be when you get out on the road.

Follow The Rules

This is another one of the most important safety tips for driving a scooter. However, it is one that people often ignore. You should familiarize yourself with the traffic laws and follow them.

Make Sure You Are Visible

Many accidents occur because people are not able to see the scooter rider. That is why you should do everything that you can to increase your visibility. You should avoid blind spots and wear reflective clothing.

The Importance Of Having Scooter Insurance

The purpose of scooter or motorcycle insurance is to cover the cost of accidents. If you do not have insurance, then you will probably be the one who is responsible for paying for the cost of the accidents. It works in the same way that auto insurance does. You will have to pay a premium to maintain your coverage. Keep in mind that you may also be able to get motorcycle insurance from the same company that provides you with auto insurance coverage. Getting scooter insurance and auto insurance from the same provider can also help you save money.

Four Tips to Prevent Teen Driver Distractions

New auto accident statistics reveal that when passengers distract a driver, a collision is more likely to occur. Not only do you want to prevent an accident from happening while you are a passenger, but also, you don’t want a driver’s auto insurance coverage rates to increase. Here are a few tips to prevent teen driver distractions.

One: Avoid Too Much Talking

To prevent an accident, auto insurance companies suggest that passengers avoid talking too much to a driver. When a passenger is talking, it is difficult to hear an oncoming vehicle’s horn, and some drivers try to look at the person who is talking rather than watching the road.

Two: Don’t Share Foods and Beverages

Resist the urge to hand a driver a bottle of water or a sandwich while they are driving. A driver who is reaching for something cannot keep both of their hands on the steering wheel, making it impossible to swerve away from a vehicle that crosses over from its lane.

Three: Keep Cellphones Turned Off

Having a cell phone while in a vehicle is an excellent way to call someone in an emergency, but do not talk on the device. According to auto accident statistics, cellphone use by passengers is a leading cause of teen driver distractions.

Four: Sit Still While Inside a Vehicle

After choosing a seat in a vehicle, fasten the seat belt and remain in place. Avoid switching seats with other passengers or climbing from the back of a vehicle to the front while it is in motion.

Maintain Affordable Auto Insurance Coverage

If an auto insurance company determines that passengers were acting inappropriately while inside a vehicle during an accident, then the agents can refuse to pay for any damages.

Verify That There is Adequate Insurance Coverage on Your Vehicle

In addition to having auto insurance coverage before going on a road trip, make sure to prepare your vehicle to ensure that it can withstand hot summertime temperatures. If you enjoy do-it-yourself maintenance, then begin the process of working on a vehicle at least two weeks before traveling. By beginning repairs as soon as possible, you can avoid delays because you need a replacement part.

Top Tips for Preparing a Vehicle for Summer Travel

A basic vehicle tune-up is essential before a vacation, and this includes checking these items:

• Oil – check the vehicle’s oil by using the dipstick before adding more oil
• Coolant – verify that there is enough coolant in the vehicle’s radiator
• Belts – do the belts look worn, stretched or degraded?
• Air filter – replace the vehicle’s air filter before leaving
• Tires – add air to deflated tires to reduce gas consumption
• Wiper blades – replace torn or frayed wiper blades
• Lights – make sure the lights are working correctly

Contact Your Auto Insurance Coverage Agent for Information

It is a good idea to call your vehicle insurance coverage agent to determine if your policy is appropriate for traveling to other states or outside of the United States. You might need to purchase additional travel insurance to protect you financially if you are driving across the border into Canada or Mexico. When traveling anywhere, always carry your auto travel insurance cards with you to show to authorities when an accident occurs.

What Are the Benefits of Having Travel Insurance?

You might wonder what the benefits are from having auto travel insurance. An automobile insurance agent can explain this short-term policy to you, and it might include providing financial coverage for any vehicles that you rent while traveling in the summer.

Before the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.


One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.


Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.


A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.


Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

Business insurance is important, of course. But what business insurance claims are most common, and what types of business insurance should you have?

1. The most common business claim is theft and burglary. Over the past five years, these claims affected 20% of businesses. They were not the most expensive, though, averaging $8,000.00. Nevertheless, businesses should take security precautions, and also carry insurance coverage for these crimes.

2. The next most common claim is for water or frozen water damage. These affected 15% of businesses in a 5-year period, and the average cost is $17,000. It’s easy to turn down the furnace while away, and return to broken pipes and gushing water. Water damage liability insurance is a good idea for both commercial insurance coverage and homeowners insurance coverage.

3. Wind and hail damage is the third most common claim, also touching 15% of businesses, and costing around $26,000. You’ll want to be covered if you live in a storm-prone area. Also, remember your company vehicles can be damaged by hail. Be sure you have auto insurance coverage for this.

4. Claims for fire damage involved 10% of businesses in the past five years. They’re very costly, averaging $35,000.00. Fire is a particular hazard in industries where flammable materials are used, but fires can start anywhere. Fire insurance as a part of commercial insurance coverage is a must.

5. Customer slip and fall accidents are expensive at $20,000. They’re also fairly common, at 10% of businesses in the past 5 years. Restaurants and retail stores that serve the public especially need this insurance coverage.

Be sure to have all the types of business insurance you need, including auto insurance coverage. You want your business insurance coverage to be complete, just like your homeowners insurance coverage.

Actual cash value and replacement cost are two insurance coverage concepts that are not fully understood by the general public. Read on for information on how these terms relate to auto and commercial insurance coverage.

Actual Cash Value

Actual cash value (ACV) is the monetary value assigned to property or the process by which that value is obtained. It is also defined as depreciation subtracted from the replacement cost. ACV policies are preferable in insurance coverage cases of appreciation rather than depreciation.

Replacement Cost

Replacement cost considers the initial value of the property upon purchase. The omission of deprecation allows more money to compensate for lost electronics and cars, making replacement cost policies great for home and auto insurance coverage.

Which Policy Is Best?

With homeowners insurance coverage, a replacement cost policy is usually ideal. When you are looking to replace belongings that were lost years after purchase, the items will have depreciated, making them nearly impossible to truly replace. For example, a flat screen smart TV that you purchased for $1000 years ago may only be worth a few hundred dollars now. Imagine searching for a similar TV today with $500 or less to spend.

Replacement cost policies also work well for auto insurance coverage. If your agent needs to find a replacement cost for your Honda that was new when you purchased it, then he or she might check the prices of similar Honda models that are new now.

Some things, like sports memorabilia and fine art, get better with time. If you own rare items for which a replacement cost would be difficult to find, consider an ACV policy. You can even insure your irreplaceable items with a separate ACV commercial insurance coverage floater that supplements your replacement cost homeowners insurance coverage.

An Occupation Can Affect Auto Insurance Premiums

Your occupation could affect the rate for your auto insurance coverage. There is published information about the risk factors that are associated with different occupations. Those auto accident statistics are used to determine the amount for an auto insurance premium. Some occupations are recognized as being associated with fewer auto accidents than other high-risk occupations because the employees will be exposed to fewer situations that could result in an accident.

Risk Factors

A professional truck driver will travel to various cities and could be exposed to dangerous driving conditions. There could be heavy rainstorms or icy snowstorms that may cause a vehicle to hydroplane or to slide across a roadway. The weather conditions will affect the risk factors. The number of miles that are driven each day are also important when determining the risk factors for being involved in an accident. A person who only drives 10 miles each week may not encounter very serious problems.

Insurance Premiums

An insurance premium is calculated for each driver. The amount of the premium should reflect the influence from the potential risks that may force an insurance company to pay an amount for a claim. A dangerous driving situation should have a higher risk factor. There should be a lower risk factor for safer driving conditions such as paved roads that have streetlights.

Information From an Insurance Agent

You should speak to your insurance agent when you change your occupation because you may be eligible for a lower monthly premium. Your auto insurance coverage would remain the same but would have a lower monthly cost. The published information about auto accident statistics is a business tool that can be used to control costs. You should stay informed about different insurance rates and purchase an auto insurance policy that will protect your personal assets.

Get A Grip!

March 3rd, 2016 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

Maintaining your vehicle is a vital part of automobile ownership. Second only to carrying up-to-date registration and insurance coverage, proper maintenance can extend the life of your vehicle up to 100,000 miles. Responsible drivers know the importance of changing oil, bulbs, and the various filters on a vehicle. They take the extra steps— use premium oil, detail their vehicles, and carry extras like auto travel insurance and car club memberships. To even the most responsible drivers, however, tires are a mystery.


Your tires could be the most important maintenance item on your vehicle, with inadequate tire treads producing disastrous—and sometimes deadly—results. Learning about tread patterns, tread rubber, and tread blocks will make sure your next tire decision is your best tire decision.


Choosing the right tires for wet weather driving can save your life by preventing accidents, and even lead to lower rates on your travel insurance and auto insurance coverage. When looking for a quality tire for rainy weather driving, the three most important considerations are the tread block itself, the depth of the grooves, and the direction of the tread pattern.


The part of the tire that makes contact with the road is called the tread block. It is important to select a tire with a tread block made of soft rubber. Hard treads, often found in snow tires, have a smoother surface than soft tread tires. This makes them a poor choice for wet weather driving, because they are less capable of gripping the road surface. This causes tires with harder treads to provide less traction when you need it the most.


The tread block of a quality wet weather tire will contain deep groove rings that act as moisture channels. These grooves are the first line of defense when it comes to rainy weather driving, and displace water to prevent hydroplaning. To keep the water from getting trapped in the grooves, tire treads designed with wet weather driving in mind also have smaller grooves on the sidewall known as sipes. Sipes wick water away from the wheels, allowing the tire to make better contact with the road. Along with additional design grooves, these slits make up a tire’s tread pattern.


For maximum wet weather safety, it is important to select a tire with a unidirectional pattern. A unidirectional pattern will release water in one direction only. This clears moisture away more efficiently and is extremely effective in preventing hydroplaning.


With the highest quality tires tied to high prices, it’s a good idea to carry auto travel insurance for life’s emergencies. Standard insurance coverage is required, but the optional travel insurance can make unexpected high-cost repairs painless. With the high risk involved in rainy weather driving, auto insurance coverage ensures you and your vehicle will be taken care of.

What is Gap Coverage

February 25th, 2016 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

The acronym GAP refers to “guaranteed auto protection” insurance that is available when buy or lease a vehicle. If while making monthly loan or lease payments, a consumer becomes involved in a motor vehicle collision, standard Auto Insurance overage pays a major portion of the repair bill. A problem arises if the vehicle is considered totaled beyond the value of the vehicle and a consumer owes more on the loan or the lease in comparison. Auto GAP coverage insurance makes up the difference.


Vehicles begin depreciating upon leaving the car lot. The rate of depreciation continues every year thereafter. If a consumer does not apply a down payment or applies a small down payment at the time of purchase, they put themselves at risk for owing more money for a longer period of time. The rate of depreciation thus occurs at a faster rate than a consumer is able to pay down the loan or lease.


The majority of automotive dealerships leasing vehicles today include auto gap coverage insurance. The cost varies between companies and may range between $500 to $800 or more, which includes the lease interest. However, if a dealership requires a lease but does not offer the GAP auto insurance coverage, consumers then have the opportunity to shop around for the best deal. Depending on the company chosen, rates may be as low as $200. Nevertheless, in order for consumers to get the most out of GAP coverage, certain conditions must be met.


  • Read and understand the auto GAP coverage insurance. Know the terms of the loan or lease.
  •  GAP policies may not pay out if the consumer does not have continual collision and comprehensive Auto Insurance coverage.
  •  In the event that the vehicle becomes totaled in a collision or is stolen, follow the stipulations established by the auto insurance company, which may include continuing loan or lease payments.

Starry, Starry Night

February 11th, 2016 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

Many people have a hard time with night driving. While it is a normal to feel out of sorts while driving at night, it can be a real hazard.

Vehicle death rates are three times higher at night than they are during the day. Without sunlight, color pigmentation, depth perception and peripheral vision all decline. Strict focus on the road and on other drivers are keys to successful night driving.

Here are some other important pointers to make driving at night safer.

1. Turn headlights on one hour before dusk and an hour after dawn to increase the visibility of your car.

2. Make sure your headlights are properly aligned so oncoming traffic can be seen better.

3. Anti-reflective coatings on glasses can cut down on glare and lenses developed with wavefront diagnostic technology can reduce star bursts, glare, halos and other visual aberrations.

4. Keep the interior windshield clean to reduce glare.

5. Use low-beams in foggy weather.

6. Be extra cautious at intersections. Most accidents among the older population occur at intersections due to a failure to yield, especially when making left turns.

7. Don’t ignore eye fatigue. If you need to, park the car and take a brisk walk or take a nap.

8. Don’t drive too fast.

9. Check your area for classes for night driving. Classes for night driving can give you real, hands on techniques for driving safely under the stars. Auto driving safety courses should be seriously considered if you’re having a very difficult time driving at night. These auto driving safety courses have saved many lives.

10. Visit your eye doctor at least once every two years or more often if you have a specific issue or condition.

11. Do regular maintenance on your car.

12. Of course, make sure that your auto insurance coverage is up to date. Auto insurance coverage regulations differ for each state so check locally to make sure you have exactly what you need. Your insurance coverage will likely cover:

Medical payments for the one with insurance coverage,
Property damage caused by the insured,
The insured vehicle,
Third parties,
The cost to tow the car and more.

The Hartford Products