Dr. Phillips: 407-855-1000
Winter Park: 407-629-6020

Blog

All posts in Auto Insurance

Usage-Based Insurance: The Easiest Safe Driving Discount There Is!

Usage-Based Insurance: The Easiest Safe Driving Discount There Is!

Don’t let other drivers raise your insurance rates!

With Usage-Based Insurance, you can get a safe driving discount based on your own good driving habits.

Nearly all of the insurance giants have some form of safe driving discount. In the past, your safe driving skills were usually determined by your driving record: fewer tickets and claims translated to bigger savings.

But what about those maniacs that speed through traffic, but somehow never get caught by the police? Or the ones who simply drive around with their busted car and never bother to file a claim? It’s not fair that they should be getting a safe driving discount (and raising your rates in the process).

Enter: Usage-Based Insurance.

Read more →

What is Uninsured Motorist Coverage? (& Why Do You Need It?)

What Is Uninsured Motorist Coverage? (& Why Do I Need It?)

An estimated 1 in 4 Florida drivers do not have auto insurance. That’s too many!

But with Uninsured Motorist coverage, you don’t have to pay the price for their mistakes.

A hidden danger awaits those who come to Florida. And no, it’s not hurricanes.

It’s underinsured drivers.

According to recent estimates, about 1 in 4 Florida drivers (26.7%, to be precise) don’t have any insurance. If that sounds high, that’s because it is. The Sunshine State has the highest number of uninsured drivers in the country.

But drivers without insurance aren’t the only people you need to worry about. You also need to worry about the drivers who don’t carry any more coverage than what is required by law.

In this article, we’ll cover why Florida’s insurance minimums aren’t good enough and how you can protect yourself with Uninsured Motorist Coverage.
Read more →

The Ultimate Guide to Auto Insurance

Hey everyone, and welcome to the Harry Levine Insurance YouTube channel. Today, let’s talk about auto insurance.

It’s one of my favorite things to talk about. So much so that I’ve even been a longtime teacher of Project Invest. That’s a program where we go into local high schools in our immediate office area and actually teach students about auto insurance because it’s perhaps the one line of coverage that there is no doubt they are certainly going to deal with at some point in their adult lives.

So let’s get started!

I want to run through a couple of bullet points that bring you an introduction to an auto insurance policy and what you need to understand.

Read more →

Auto Liability Coverage Explained

Auto Liability Coverage Explained

Welcome back!

Let’s have a chat about automobile liability insurance. Your auto policy has a lot of moving parts, and it’s important that you understand them.

Florida’s a pretty odd state in that, presently, we only require property damage and what we call PIP, or Personal Injury Protection, to be legal on the road.

It’s hardly any coverage, and if you’re in an accident, you’re likely going to wind up with a court-ordered requirement to buy a lot more insurance than that moving forward if anybody gets hurt. Or worst case, you’ll have liens and judgments or even wage garnishments that are levied against you by a court because you are underinsured or not insured at all.
Read more →

Farmers vs. Auto-Owners

Farmers vs. Auto-Owners

Welcome back to another insurance mega-company showdown! This time, we’re taking a closer look at Farmers and Auto-Owners, two of the largest insurance providers in the country.

Both corporations had humble beginnings, Vern Moulton and four associates founded Auto-Owners in Lansing, Michigan (with one policyholder and under $200 in premiums) just 14 years before John C. Tyler and Thomas E. Leavey put up their own money and literally traveled farm to farm, offering their first policies. Through the Great Depression, the insurance industry served as a beacon to commerce and personal security, leading both companies to a strength in personal lines and business insurance offerings. 

Aligned closely through history, here are some additional metrics to explore the differences in what each corporation brings to the table for their customers:
Read more →

Auto Insurance Explained

The 5 Things You Need to Know About Car Insurance

Unless you’ve been living under a rock, you’ve seen a commercial (or, more likely, 3,000) for car insurance.

Auto insurance ads might be an okay way to entertain yourself during a break from the Superbowl, but they won’t help you understand anything about your insurance policies. In this video, I’ll go over 5 car insurance facts you actually need to know.
Read more →

Do Red Cars Cost More to Insure? (10 Car Insurance Myths Debunked!)

Do Red Cars Cost More to Insure? (10 Car Insurance Myths Debunked!)

There are a lot of myths and misinformation surrounding car insurance.

Allow us to debunk the biggest car insurance myths, especially the most common: Do red cars cost more to insure? 

If you’re licensed to drive in the State of Florida, you’ve probably had some questions about your car insurance.

“Do I have enough coverage? What does “No-fault” insurance mean? Do red cars cost more to insure? What happens if my brother-in-law wrecks my car?”

We understand the confusion. There are a lot of myths, lies, and misinformation swirling around about an already baffling subject. But at Harry Levine Insurance, we believe that knowledge is power, so we collected (and debunked) the top 10 car insurance myths so you could be sufficiently informed.
Read more →

Your Quick Guide to Florida Insurance Laws

Settling down in the Sunshine State?

Florida remains one of the most popular states in the country, with roughly 900 people moving to the state every day. That’s 330,605 new residents each year! And frankly, with year-round sunshine, warm temperatures, beautiful sandy beaches, and countless things to do, who can blame them?

But if you’re planning on joining us in this wonderful state, you’ll need to know more than what hours Disney is open. Here are some of the things you need to know about Florida insurance laws.

Keep reading our guide so that you’re prepared for your big move.
Read more →

What's the difference between personal and commercial auto insurance?

What’s the Difference Between Personal and Commercial Auto Insurance?

If you own any type of business, you probably know that a Business Owner’s Policy (BOP) is an essential tool to have in your insurance arsenal. But it’s not the only kind of commercial insurance you need.

Your BOP doesn’t provide any coverage for vehicles, so you’ll need a separate policy if you want auto insurance. (Trust us, you do!)

You might have heard from other well-meaning business owners that your personal auto insurance will cover business use. In most cases, this isn’t true.

Let’s take a look at the difference between personal and commercial auto insurance.
Read more →

Why Did My Car Insurance Go Up?

You just received another letter from your insurance company notifying you that your car insurance rates will be increasing this year.

“Why did my car insurance go up?!” you scream in frustration. “I didn’t even have any claims!”

Unfortunately for car owners, this is an common occurrence…and it doesn’t look like it will stop anytime soon.
Read more →

Font Resize
Contrast