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).
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.
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 →
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 →
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 →
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 →
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 →