January 13, 2025
lfsadminInsurance 101—How Are Auto Accident Injuries Covered?
It only takes a moment of distraction—or simply being in the wrong place at the wrong time—for you to find yourself in an auto accident. Preliminary stats show that in 2024, there were more than 375,000 vehicle crashes in Florida, and more than 158,000 of them involved injures. Since injury costs after a serious accident […]
August 12, 2024
lfsadminTeen Driver in Your House? Read This
When your teen starts driving, it can mean more freedom both for them and you. But you might worry about the dangers your teen driver will face on the road as well as the expense of adding a teen driver to your car insurance policy. You’re right to be concerned: statistically, teens are more likely […]
June 24, 2024
AgencyThat “Free” Windshield Could Cost You Big Money
A rock flies up from the highway and hits your windshield, chipping it. You’ve heard that if you have full coverage auto insurance, you can get your windshield repaired or replaced for free. Is this true? And if so, are there any drawbacks? Florida is one of a few states in which windshield repair or […]
March 25, 2024
AgencyDistracted Driving and Car Crashes—What You Can Do
We’ve all done it. Taken our eyes off the road just for a second to check our phones. Or maybe we’re sipping a quick coffee on the way to work, chatting with a friend while driving home, or even consulting our navigation system to see an upcoming turn. All of these actions can be […]
March 11, 2024
AgencyFAQs: Why Is My Insurance Getting More Expensive? I Haven’t Made a Claim!
We get this question every week from clients who are surprised and frustrated when they receive their renewal offer from their home or auto insurance company. We’ve previously discussed why Florida home and auto insurance rates are so high (see here and here), but let’s review the situation again. The short answer to the […]
December 4, 2023
AgencyFlorida Drivers, Here’s What You Can Do About Rising Car Insurance Premiums
While skyrocketing home insurance rates in Florida have gotten all the press lately, Florida drivers are finding the cost of auto insurance is also steadily rising. Major insurers in Florida, such as Progressive, Geico, Liberty Mutual, and State Farm, have raised their rates up to 44 percent over the past year. “But I’ve never had […]
May 22, 2023
AgencySimple Tips to Prevent Car Theft
In 2022, more than 1 million vehicles were stolen in the U.S.—an increase of 7 percent over the previous year. And industry experts say that nearly half of the time, owner errors contributed to the theft of the vehicle! You may not think your vehicle is of interest to a car thief, but it’s not […]
November 21, 2022
AgencyHow Your Credit Affects Your Insurance Premiums
As you’re shopping for home or auto insurance, you might come across the concept of the credit-based insurance score, or simply the insurance score. Hmm, that’s odd. What does credit have to do with insurance risk, and how does it affect the cost of your insurance? Does having good or bad credit affect your insurance […]
September 26, 2022
AgencyInsurance 101: Understanding Your Deductibles
The high cost of home and auto insurance in Florida has us all thinking about ways to save money on policy premiums. While many factors are beyond your control, one that may help save money is your policy deductible. Generally, a higher deductible means lower premiums. A lower deductible means your premiums will be higher. […]
April 11, 2022
AgencyFatal Roads: Working Together to Reduce Traffic Deaths
After years of declines, traffic fatalities* are rising again. For decades, seat belt laws and improved vehicle safety features helped to contribute to roadway safety. In 2020, for the first time in years, roadway deaths increased, despite there being fewer cars on the roads due to pandemic lockdowns. Some experts believe with fewer cars on […]