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  • admin 2:22 am on March 4, 2014 Permalink  
    Categories: Car Insurance ( 2 )

    Is there some sort of FAJUA scam being perpetrated? 

    If you have been determined to be what is known in the insurance agency as a “high risk individual”, and find yourself incapable of investing in traditional automobile insurance, you probably have begun to scramble trying to find different insurance agencies that are willing to take you on as a client – without charging you an arm and a leg up front and a ridiculous amount of money on a monthly basis.

    Luckily, when you decide to move forward with the Florida Automobile Joint Underwriting Association, all of those worries and concerns are going to disappear entirely. A legitimate service for those deemed to be “high risk individuals”, this is one of the smartest and savviest moves you can make when it comes time to get the automobile insurance you need – the automobile insurance you deserve.

    Is the FAJUA a legitimate insurance service?

    There are some out there that have become more than a little bit jaded about those insurance agencies and insurance companies that (at least on the surface) seem to be more than happy to assist high risk individuals, only to gouge them later with ridiculously high startup fees, an initial fees, and monthly fees – making the deal seem not so sweet in the long run.

    This is a completely reasonable reaction, but it’s important that you do not lump the FAJUA in with the rest of those “predatory insurance agencies” and instead realize that this is a 100% legitimate opportunity for you to get the automobile insurance you need without ever threatening to break your bank account.

    Initially set up on the back of a number of Florida laws and statutes (particularly Sections 627.311 and 627.351), this is the “real deal” and a fantastic chance for you to have a clean slate without having to spend more money on automobile insurance than any other cost associated with your vehicle!

    What kind of coverage will be FAJUA be able to provide me?

    The coverage that you will receive through the FAJUA is almost exactly the same as the coverage that you would have received through a traditional insurance agency, and may even be just a bit better.

    Obviously, each and every single individual case will be different than another – but speaking with a FAJUA agent should provide you with all of the inside information you need to figure out exactly what kinds of coverage you’ll get, what kinds of exclusions you’ll need to deal with, and every other detail regarding your policy.

    How do I get started using the FAJUA as my new insurance agency?

    If you are ready to sign on the dotted line and get started with the FAJUA, you’ll want to visit http://yourfloridainsurancequotes.com and contact one of their insurance representatives to get the ball rolling. The process is relatively simple and straightforward (and as streamlined as humanly possible), guaranteeing that you will receive the auto insurance you’re looking for without any headache, hassle, stress, or pressure whatsoever!

     
  • admin 7:36 pm on January 22, 2014 Permalink | Reply  
    Categories: Car Insurance ( 2 )

    Top 5 Reasons to Buy Florida Auto Insurance 

    Shopping for Florida auto insurance from a website can be rather confusing. There are so many types of coverage packages out there, and it’s sometimes difficult to understand what each one does and how to apply it to your personal situation. Whether you’re shopping for rental reimbursement or liability insurance, this article can help you discover the top 5 reasons to invest in auto insurance.

    1. Protect yourself. This is the first and most obvious reason to ensure you have auto insurance. There are many types of auto insurance that fall under this category. You can purchase the most standard type of insurance – liability insurance – to protect yourself in the case of an auto accident. Most states require this type of insurance. You can also get roadside assistance insurance, which will help you pay the costs associated with towing, should you need a tow. Additionally, you can get bodily injury coverage, but this is something you should ask your agent. It’s not always necessary.
    2. Protect your passengers. Chances are that you’re not the only one who will be riding in your vehicle. Whether you have another driver who isn’t an owner, or you take your kids to soccer practice, you’ll need insurance to protect your passengers. Non-owner liability coverage can help you protect other drivers who use your vehicle. However, if you are driving a vehicle for work, you’ll want to look into hired driver insurance. This way, you’ll be covered while you’re driving a vehicle for someone else.
    3. Protect your vehicle. Comprehensive insurance is the easiest way to cover your car in the event of an accident. You’ll be able to cover any types of physical damage. You can also purchase property damage coverage, which is similar to comprehensive insurance in that it offers physical damage protection. Finally, collision insurance should protect you in the case of an auto accident. Speak to your insurance agent to find out which type of auto insurance is best for your needs.
    4. Save yourself some money. You can find out if your insurance package can be combined with medical insurance or life insurance. Many companies will be happy to work out a deal with clients so that the client can save some money – and the agency retains your business. Look into medical payments insurance or even underinsured motorist insurance to see if you can combine packages.
    5. Don’t pay more for a rental car. Accidents can happen whether you’re in your own vehicle or not. Getting rental reimbursement insurance can help protect you against paying more out-of-pocket if you get into trouble while deriving a rental car. A loan lease coverage or gap insurance policy should be able to cover you if you must drive another car while yours is leased or loaned.

    Using these tips, you should be able to figure out which types of insurance you’ll want to talk to your agent about. Everyone’s needs are different, so don’t be afraid to ask questions. With a little bit of persistence, you’ll find out which auto insurance packages are right for you.

     
  • admin 2:45 pm on October 26, 2013 Permalink | Reply  
    Categories: Boat Insurance ( 1 )

    Tips For Purchasing Boat Insurance 

    A lot of people don’t go out of their way to get boat insurance, even when they have a boat, since they assume it’s not necessary. If you’re going to own and/or ride a boat in any body of water, you have to get boat insurance. It’s a necessary insurance policy that protects you and your boat during difficult times.

     

    Boat insurance is designed to protect you, your boat and the people that board your boat. As a result, many basic boat insurance plans provide enough coverage to cover you and your boat, the possessions on your boat, in addition to any liabilities incurred from people who damage and/or become injured when on board.

     

    Thanks to those factors, it’s pretty much required for boat owners to get some kind of boat insurance plan.

     

    In most cases, it’s suggested to select a boat insurance policy that best ‘covers your way of life.’ In other words, you don’t want to get a policy that covers too much or too little of what you actually need covered. Some boat insurance providers may provide a ‘higher level’ of boat insurance coverage, which may cover several assets related to your boat, including your home and your business, if you own one.

     

    Most boat insurance policies, as a result, do vary in price. It’s thanks to the many factors that can affect the costs of the insurance policy, which can include the boat’s location, your experience, the size and even type of the boat, in addition to the use of the boat. Even though prices vary for a boat insurance policy, it’s not the most important factor in a policy.

     

    Many boat insurance policies are actually different from one another. This is because many boat insurance plans often get customized to what their policyholder needs for their boat. This type of customization essentially allows policyholders to pay for what they need, instead of a policy that doesn’t cover enough of their needs.

     

    You can save money on boat insurance through many ways. The most common involves completing an official boating safety course, in addition to having a good driving record when out at sea. Your insurance premium can even be lowered if you buy a boat that you’re familiar with driving.

     

    And, speaking of purchasing boats, older and high performance boats do cost more to insure, so keep that in mind. If you stay claim-free throughout your current boat insurance policy term, through one calender year, you may be able to keep your costs down.

     
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