The chiropractors and other service providers were granted a temporary injunction by Judge Terry Lewis of the Second Circuit Court, located in Leon County. The injunction would have blocked the law temporarily, but the Florida Office of Insurance Regulation filed a notice of appeal, which has the effect of staying the injunction until the First District Court of Appeal makes a ruling.

Judge Lewis ruled against a provision of the new law that set a $2,500 limit for covered medical care if the injured party is not in an emergency medical situation. This is in contrast to the usual no-fault limit of $10,000. The law also put in place a 14-day deadline to seek treatment after a crash. Judge Lewis said that the law violates people’s rights under the Florida Constitution to have access to the courts and seek redress for their injuries.

HB 119 was a priority for Gov. Rick Scott, who supported the bill. The Governor’s office released a statement saying that the reform was intended to lower the high cost of auto insurance.

The service providers had earlier requested a temporary injunction in federal court, but were denied.

The Coalition Against Insurance Fraud (CAIF) expressed disappointment in the court’s ruling. The group said that the purpose of the new law was to prevent fraudulent billing from service providers, which cause premiums to rise. Insurance fraud had increased in recent years, with a number of staged accidents in the Tampa and Miami areas.

Senate President Don Gaetz, R-Niceville, said that he is disappointed that PIP reform has not yet resulted in savings on insurance rates, but a CAIF spokesperson said that lower rates would come in future years, and only if the reform is upheld by the courts.

No-fault coverage has been in place in Florida since 1972. A driver’s insurer required to pay medical expenses up to $10,000 regardless of who is at fault.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit http://www.floridainsurance.com

If you want the right kind of SEO marketing for your insurance agency, then you need to find a real insurance marketing pro; ideally one with experience in the insurance industry. There are not a lot of SEO outfits that fit that bill, so when you find one, it’s time to find out what they can do specifically for you. Marketing insurance is difficult on a good day, and in this economy, you need all the help you can get. It’s a competitive industry and you want to stand out ahead of the pack.

Of course by now, you likely already have a website but perhaps are not that thrilled with the way it is, or is not, performing for you. You get visitors, but they don’t stay long. They sometimes ask for quotes, but then don’t respond to your call. This issue could be solved in a variety of ways. For instance, you may not yet have added an instant quoting function to your website. This will jump your traffic quite nicely and offer customers what they want – instant information.

Insurance websites with an instant quoting function do provide more quotes and write more policies than a site that does not offer a service like that. People want things right away when they make up their minds that the time is right to buy something, and that includes insurance policies. If your website offers them what they want and you follow up and provide excellent service, you will start converting your traffic to sales —- a huge bonus.

If you do not yet have a website and want to get going, then you need a design team with insurance experience building insurance websites. Throw in the SEO experience, a dynamite web designer, solid writing for your monthly articles and news releases (to keep the search engines happy) and you have a winning combination. Think it is expensive? It does come with a price tag, but a properly designed SEO marketing strategy offers you the highest ROI for your marketing dollars, and bottom line, it is more affordable than advertising on the radio, in papers and magazines or on T.V.

Besides, there is another adage about spending money to make money that holds true in these kinds of circumstances. If you want to attract customers and increase your revenue, you need to have a site that captures their attention and converts them to customers.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Think back over the last few times you have been surfing on the Internet – perhaps looking at your competitor’s websites. What stood out the most for you? See something you really like and want to emulate? Loved the colors on one site and think they would work well for yours? Think that being really off-the-wall creative will gain you more traffic?

Do you remember which insurance website was the easiest to read? Probably not, because that is one of its selling points. Easy to read, eye appealing, easy to remember content and in black and white, right? Black text on white space is easier to read, and even though you may love the idea of being colorful, your website visitors may not like it. For instance, you do not want to have red text on a black background – which makes the letters seem like neon, pulsating lights – and you do not want to try white text on soft gray, for that “see if you can guess if there is text on this website” effect.

No one is saying don’t have color on your insurance website, as color is terrific for websites. It’s just that the color should only be used in/on page borders, graphics, the odd bit of flashy text perhaps and other enhancing elements on the site. But when it comes to text, stick to the tried, tested and true combination of black text on a white background.

That being said, color of course, is not the only element to consider carefully before having an insurance website designed. Step back and take a look at the bigger picture. What do you want your website to achieve; besides a good ranking on Google? You want it to be memorable, useful, professional, interactive, interesting and eye-catching (but not in a gaudy way).

Overall, the site has to pique people’s interest. Offer them something they want and need. Provide them with relevant information. Offer products they need and want. In other words, an insurance website needs to be chockfull of all the things someone could want when they are searching for the right insurance policy for their situation. It also needs to be done in up-to-the-minute coding to comply with the latest changes in browsers, mobile compliant and ready-to-go to be hooked into social media platforms.

There are a lot of things to do, as insurance marketing is not a 1-2-3 process any longer. If you’re not sure what needs to be done, find a qualified search engine optimization company with insurance industry experience. It will look good on you.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Insurance website are really best left to stand alone on their own devices, as background music may drive potential customers away, which is counterintuitive. However, if you insist that some music be present, work in partnership with the website designer and add in soft button rollover sound effects. If the music or sound effects are not intrusive or obnoxious, it can then be a subtle complement to the overall site.

Think long and hard about what your message is before adding extra doo-dads to it that might affect the overall image. Your insurance agency is your business and a direct reflection on you; so ideally, your insurance website should reflect professionalism, carry up-to-date information on the latest changes in the insurance industry, offer instant quotes and have a current blog with interesting facts and figures for people to read.

It’s a good idea to have fresh content in the form of articles and news releases, at least once a month, or more often if you are maintaining your own website. Most insurance agents these days have enough on their hands just running their brick and mortar location, without worrying about what is happening online. Ideally, to boost your online presence, find a search engine optimization firm with experience in the insurance industry. They understand your needs and requirements better than anyone. After all, they have “been there and done that.” Experience like that can help your web presence immensely.

Another gimmick to stay well away from if you are tackling your own website creation is centering all the text down the middle of the page in a strange font with an unusual background color. Think about that for a minute and you will realize that the main reason most text on the Internet is black on white relates directly to the fact that it is easy to read.

Put red text on a black background or pale green text on a blue background and the only thing you get is irritated readers that cannot read the text. If they can’t read the text or it’s just too much work trying to decipher what it says, they leave. Since you are in business to make money, driving website visitors away with a poorly designed site costs you business.

Not sure how to design an insurance website that looks good, loads fast, offers top notch information and is professional and gets attention? Hire the job out. It’s the best money you will ever spend.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Okay, the honest truth is that yes, Twitter can be a bit silly, and you might wonder why you would want to plug your business into the service. The best answer to that question is that Twitter is not just addle-pated commentary. It actually has real, legitimate people on it, and those people are an audience that generates web traffic to your insurance website.

In today’s online world, marketing any kind of business requires some form of social media networking. It’s just how it works. More and more of your audience use mobile devices daily and some even use them exclusively. It’s a market you need to woo, and the only way to do that is to appeal to them by using social media. So yes, that means Twitter and Facebook and other networks that reach your existing demographics, and those you want to court for business.

But back to your insurance website. Just what would you need to make it “socially” compliant and ready to roll? There are a couple of ways that you could go, using plugins. What is used is largely dependent on what type of platform your website and/or blog is built on. Other than that, it’s a relatively simple concept. Here is how it works: when you blog, you post a Tweet. That Tweet links back to your website. And, when you Tweet, you can post a blog on your website. Sweet. Easy. Simple and you can get downright creative with the whole idea too.

Not sure this kind of feature is something you need for your insurance website? Then call the experts and ask more questions. Your best bet is to contact a search engine optimization company with many years of experience in the insurance industry. Now that gives your insurance marketing plan a whole new life, your blog a new attitude and your Tweets a bit of relish.

If your goal is to grow your business, social media is a fast and interesting way to do it. It also gives you a good return on your investment.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Ignoring consumer trends in the social media may mean big trouble for your business. Consumers are the beacons of change, the origin of what is trending at any given time in the online world. If you want your insurance agency to be a success, you need to keep in step with the latest in online trends relating to what customers want when it comes to insurance.

Your market is highly diverse and has many cultural components. What that means is that not all of your policies may suit everyone, large and small. This is something that you need to be aware of and have alternatives for those who do not wish traditional insurance coverage, or will not buy certain policies due to other beliefs. Since this is your business, you need to know how to best provide service to that market segment, because even if you only have one customer like that, they are linked, by word-of-mouth to hundreds of others. If you serve them well, you stand a good chance of landing more customers.

Today’s marketing must involve social media and the use of mobile devices. This is a whole other market compared to the online world you are likely used to working in for the last few years. Now, your insurance website needs to be easily viewed on a regular computer and a smartphone. You need to know, in detail, what your demographics are by culture to get a firm grip on how to market your products. Your market needs to be targeted in precisely the right manner to get a good return on your marketing investment dollars.

To be in step today, marketing needs to involve cutting edge social media optimization, and employ a variety of social networks, such as Twitter and Facebook. There are a number of ways to accomplish that and it may also be done by using mobile advertising utilizing a tailored, custom-made pay-per-click campaign.

Insurance marketing online is basically the same as it has always been, with a social media twist with other exciting options to expand your ability to market your products. The bottom line is still the same as well, and that is if you give your customers what they want, they give your their business. One way to do that is to offer customers mobile apps and social network profiles that make their lives easier. Offer coupons and specials that are interesting, and at some point, include the use of the word “free.” That catches people’s attention in a hurry.

Of course, you cannot do all this on your own. Find a company with search engine optimization experience, one with roots in the insurance industry, and find out what they can do for you. It’s the best investment of marketing dollars you will ever make.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

You are proud of your insurance website and put a lot of work into it. You did everything right, as far as you know, but in tracking your online traffic, you discover potential clients did not go past your home page. What’s up with that? By the way, this happens to a lot of insurance agents, so don’t worry too much.

What’s happening is this: your new website was designed to get attention from the search engines, but that alone is not enough. It needs to do more than just sit there and look pretty. Pretty might appeal to some visitors, but they are not visiting your website to look at how nice it is, they are there to get information and buy a product. If your site does not offer them what they need, they will leave – in droves.

While your website might be pretty nifty, or was done the way you asked for it to be done, the results are not making you happy. Here is something you can do to find out what is going on, and what you can do to turn things around: Perform usability testing. This means asking a wide variety of experienced online users to visit your site, and give you feedback. Remember, your site was not designed just for you and your staff, it is for customers who want to use your services and buy your products, and that is a different point of view.

If you can put yourself in your customer’s shoes, you have a better chance of designing something they need and want to help them make informed decisions about their insurance needs. When your users offer feedback, immediately fix what does not work, is vague or that no one seems to understands. Then stick with what works, and learn the lesson of seeing your insurance website through the eyes of your potential customers.

If you do not have the experience to design your own website, or even track the results when people visit it, then consider hiring an experienced search engine optimization company, with a proven track record. Find one with a track record in the insurance industry, and you have two birds in one bush, and are well on your way to having a website that does what you need it to do – perform and convert customers.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Just because it takes two components to make an effective search engine optimized website perform well on the Internet, that does not mean you need two kinds on online companies, marketers and designers. Ideally, those two necessary components work as one to produce what you need.

There is a long-standing debate over making a website chockfull of words or making it pretty. Both are right, because if you design an ugly website with good content, visitors are not likely to convert. So, no matter how much traffic that website may get, it does you no good in the long run.

Check this out for yourself by surfing Google for your competition. The first page-ranked websites are well designed, clean, professional, and crisp and upload fast. They also have superior content. It is no surprise these insurance websites rank where they do. It is simple: clean, professional websites convert better and rank higher – period.

You may be wondering why many SEO companies don’t pay much attention to professional website design. SEO companies are typically run by analytical specialists, whose main goal is to get a website ranked well. They are not artists or designers. This is why it takes two to tango when performing SEO on an insurance website. Both factions make the whole shebang work seamlessly.

In the design phase, ask the designer what strategy they use to maximize your SEO exposure. Understand they do not deal with the analytical side of this equation, but they do understand what not to do to allow the SEO gurus to do their job when they are done. For instance, they strive for a clean look, with calls to action at the top of the page. This strategy converts well. You may see that in action by checking out insurance websites with instant price quoting available to consumers, visible the moment they land on a page.

Chose to work with a guaranteed SEO company? If you are shooting for a first page ranking, the company may require you to update your website design to make it more Internet and search engine compliant. So, as you can see, design makes a “huge” difference. With easy to read text, that is straightforward, clear and to the point, an easy to navigate site and simple vertical layouts, the search engines will love your site – and rank you better. Sweet.

Here’s the scoop. Find a SEO company with an in-house website designer. Now you are well on your way to a good Google ranking.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Some insurance marketing companies lay claim to being insurance search engine optimization (SEO) gurus, but are they really? Usually not. There are very few SEO companies that can claim they have over 25 years of insurance experience. However, when you find such a company, this is the answer to your insurance marketing prayers.

One of the first things you should be told by an “expert” insurance SEO company is that your website needs to be created with conversion in mind and needs to be user friendly. That merely means is it easy to navigate, is the information on it easy to access, is it relevant information for users and are you easy to contact? While many think that insurance SEO in just about keyword placement, this is a myth. Insurance website optimization is not just about keywords, it is about optimizing the experience the user has when they visit your site.

At one time, websites thrived on inbound links. Then, Google said they were going to block paid links, link exchanges, website directories and any links about anything that had nothing to do with your insurance website. In other words, relevancy has become the watchword of the day. If it’s not relevant, and a quality link, it does not do you any good in your marketing and ranking attempts. Relevant, quality links are real links and thus valuable for your website.

This isn’t to say you can’t still get links from some website directories, because you can, they just need to be respected and well, relevant. For instance, Yahoo Directory or Joeaunt.com.  Using insurance directories or resource guides helps to drive quality traffic to your site, because their content is relevant to your insurance website. The most important point here is that content driven links are highly valued. News releases, articles and blogs published within niche communities offer high quality links with long-term benefits.

One important thing to keep in mind is that your content, and any other activity, needs to be synced with LinkedIn, Twitter and Facebook, and Google +. Today, social media is the driving force behind insurance website marketing. The more active your insurance agency, the better it looks to followers and the search engines.

If you want to be rock stars, find an insurance SEO company with experience in the insurance industry. Your insurance website and all other optimization techniques will be highly relevant, because they have the experience to market insurance websites.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

If you do take the time to study some analytics relating to your insurance website, you might have run across the term, “bounce rate.” All that means is how many people visited one page of your site, and then click away form your site. If you have a high bounce rate, it usually means people just see the one page they landed on, and then they leave. If the bounce rate is low, this is generally good news, as it means visitors are staying on your site and checking out other pages.

Does it matter if people bounce off? Yes, it does, as the longer they stay, the higher the chances they become a customer, and convert by buying something. What can you do to reduce your bounce rate? If your insurance website only has one contact form on the home page, this significantly reduces the chances that someone fills it out. The solution is to have a short contact form on all the pages on your site. Keep in mind that visitors don’t always land on the home page.

Overall, you want a lower bounce rate, and want people to stay on your site longer and read the content. Having said that, is it a critical failure for your insurance website to have a higher bounce rate than you might like? The answer is no, a single page visit is not necessarily a bad thing, and does not affect your ranking. It means the visitor has found what they wanted, with either one or two clicks; a good sign for your insurance company.

Certainly, there are many ways to interpret bounce rate statistics, and this is something that will help you focus your website content. However, it is also something that not every insurance agent has time to do. This is where a top flight insurance search engine optimization (SEO) company comes to bat for you. They are able to not only help you choose the right content for your insurance website, but know the ins and outs of working with natural SEO conversion rates, and why, when dealing with “that” conversion rate, the bounce rate does matter.

Of course, SEO is more than just the bounce rate. It involves social media, news releases, articles, blogs and other connections, like Twitter and Facebook. For the whole picture that looks good on your insurance website, partner up with an insurance search engine optimization company. Reap the conversion rewards.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

It’s a given that competition is tough on the Internet today, particularly in the insurance business. However, having said that, with the Supreme Court backing ObamaCare, business should start to pick up very soon. You will definitely need a viable, fresh, professional and socially-conscious insurance website to get your message out to potential customers. You want your products online with an instant quote application, good articles – containing your keywords – where your visitors can read them, up-to-the-minute news releases that discuss the latest happenings in the insurance industry and a bunch of ways to contact you right away.

Your website needs to get people’s attention and keep it. For this, you need the latest in insurance website design. Gone are the days of the chunky, clunky html code and the nice, but frantic looking websites crammed with information and links galore. These days, insurance search engine marketing is about being relevant to the times. We live in a social milieu where information is power. If you want your customers to make an informed decision about buying insurance, you want an insurance website that speaks directly to their needs.

In this day and age, with Twitter, Facebook and a whole host of other social media sites, you need to be present and active. It’s not just about getting your insurance information out to everyone, although that is part of the equation, it is about letting people know who you are, what you do, how knowledgeable you are and how you can help them find what they need. Visitors to your insurance website want to know something about you. Call it the social touch, but in reality, it is called relationship marketing. If your customers know you through your Twitter feeds and Facebook page, they feel they “know” you and will consider buying products and policies from you.

Once you have a clean, crisp and professional insurance website, loaded with the right kind of information, and enough of it to inform visitors, half the battle is won. You need to ensure you’re updating your website frequently with fresh and compelling copy that keeps your customers coming back.

Chances are you do not want to do this kind of behind-the-scenes work on your website yourself. Not a problem. Find an insurance search engine optimization company with experience in the industry, tell them what you want and need, and then let them do you proud. It’s just that easy, and worth the investment.

ReadytoQuote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

You want to be able to run your insurance business while still being fully present to deal with customers. You know you need a continuous string of leads to make your insurance marketing a huge success, but where do you find the time to do all the things that need to be done to maintain an insurance website? Most agents say they do not have the time because they have a business to run.

The perfect solution to this conundrum of needing to have an active and viable website that generates leads and turns surfers into conversions is to get a search engine optimization company that knows the insurance business and how to design the right kind of insurance website for the highly socialized world online today. It’s a different world out there. There is so much to explore and do, and doing it right ultimately pays off in increased business for you.

In today’s social milieu, everyone wants new things to read, fun facts, updated and fresh copy and useful information in a quick-to-read format. People do not read websites from start to finish. They scan. So you want the good stuff you need to get across to them right up front. Get their attention right off the bat. Hook them and they will stay longer and read/scan more. That is the start of a happy relationship between you and your clients.

Not sure what you want for an insurance website? That is easy. Take a look around you and find out what your competition is doing. Then find sites that you would never in a million years choose for yourself. These two things give you a good idea of what you need to make an active and interactive insurance website work to attract customers. While you will not be getting to page one in Google instantly, you will get there with the right kind of insurance search engine optimization. The right tactics will get and keep you there. It’s the little things that make a big difference in insurance marketing.

When the company you select to do your insurance search engine optimization gets rolling, they do the detail work behind the scenes, which means you get to spend quality time with customers who need insurance.

Sit back and do what you need to do while your keywords, blog entries, social media marketing, articles and news releases get your name well-known and trusted. The right insurance search engine optimization company will do this for you. Get ready for the future.

Ready to Quote is an insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Okay, what is the bottom line in insurance marketing? You want to make your business a huge success. To do that, you need a clean, crisp and professional image online. You need a professional website that has the latest changes in coding, the hottest new plug-ins, a dynamic blog, news releases that are relevant to your customers and articles that have fresh content in them updated on your site at least once a month. Don’t have the time to do that? Hire it out.

Find a search engine optimization company that also has solid experience in the insurance industry, and start asking what they can do for you to help you make your presence known on the Internet. The answer is they can do a lot, starting with evaluating your existing site for upgrade potential, comparing it to your competition, checking the code it is built on, explaining new tags out there to help categorize your content for search engines and offering you a cohesive team that does their thing in the background – from start to successful finish.

Over time, your insurance website will start to move from where it is now to a better spot on page one of Google’s search engine results. Keep in mind that this kind of movement does not happen overnight. It’s like trying to lose weight fast. It takes time and effort. Such is also the case with search engine optimization. It takes time to build a proper website that reflects who you are and what your business is all about. It takes time to choose the right keywords and then use them properly to get honestly earned recognition from the search engines.

If you want fast, down and dirty results, you can go that route, but usually two things happen. The first is you peak fast and only stay up for about a week. The black hat methods only work for the short term. The second thing likely to happen is, if you are caught using some of the less-than-ethical methods of boosting your website rankings, your site is yanked. Why waste time and money on a flash in the pan, when you could invest in a stable future with a skilled SEO company that takes the time and builds your site and rankings with care, due diligence and integrity.

Ready to Quote is aninsurance marketing company. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

If you want to get and keep customers on your insurance website, you need to offer them something they want. Typically, that would be instant quotes. And, you want to have them very visible and simple to use. The 21st Century has brought us some good things, but it has also made people impatient to get information as quickly as possible. If you can offer instant quotes on your insurance website, you have a leg up over the competition.

When it comes to a quoting engine, you will want to ensure customers have the ability to get at least three quotes at once. They can get more, but three are a good place to start. People are initially looking for price comparisons to suit their budget. The nitty gritty of what the insurance policy contains and covers may come later. Some individuals just do not read their insurance policies, so this is not essential on the instant quote engine. Thus, you need to strive to provide prospects with enough salient information to help them understand what you offer and what it means to them when they buy from you.

If you do not have relevant information on your insurance website, you can count on your visitors clicking away and going someplace else. That is a potential lost sale. Do you have the time to work with your website, make it easy to navigate, pack it with great information, have instant quotes and use the right, relevant keywords? There is a good chance the answer to that is “no.” Really, would you have the time to do that? Most busy agents do not.

Remember, when people visit your insurance website, they are not visiting just because you offer instant quotes, although that is part of the reason. They are visiting because they want to find out more about you and your services. They want to check out the blog, the articles, the tone of the site and how it presents itself.

When your site is clean, well laid out, navigationally friendly, offers relevant material people need and will use, you are well on your way to converting a visitor to a sale. To live up to the expectations of today’s Internet surfers, you need a search engine optimization (SEO) team to tweak your site to maximize its effectiveness and get it to a better ranking. Get a team that knows the insurance marketing industry and the SEO side of business. These are dollars well invested.

ReadytoQuote.com specializes in marketing insurance websites online. Learn more at http://www.readytoquote.com.

You already know that in order to make a living online, your website needs to perform seamlessly with Web 2.0 applications. Period. The older the website, the more problems newer browsers will have accessing and displaying it. The older the website, the more difficult it is to access in the first place. Some or all of the elements do not work properly, forms are not functional and, well you get the idea. Your insurance website is a potential goldmine, so it needs to be optimized and ready for today’s visitors.

Insurance marketing, on or offline, is about consistency, attention to detail, getting the company name out there, and providing superior customer service. It is about keeping your website up-to-date, fresh, interesting, and compatible with social media. So when do you find time to run your business? Fair question. The answer is, you need a team of search engine optimization (SEO) pros to promote your business consistently and with integrity by using the right keywords and phrases.

The reality is that there are not enough hours in a day to do online marketing and keep a website current. Handling the other aspects of your insurance business is a full time job in and of itself. Add in the learning curve to get the SEO right and suddenly the day ends with the feeling that not much was done. One person just cannot do everything on their own. They need a team of SEO specialists with insurance industry experience who know how to drive traffic to your insurance website.

Imagine your own insurance website that offers fresh content frequently, interesting blogs with thought provoking information, articles with unique information and news releases that put your company in the position of being an expert in the insurance marketing industry. A site like that featuring interesting things for everyone who visits is pretty appealing, and it can be yours for the asking by finding the right insurance search engine optimization company.

Why would you place your trust in such a company? The answer to that is easy. If the company co-founder worked in insurance marketing for more than 25 years, can get you more conversions and keep your own insurance website on page one of Google over time, you need to look into having a SEO expert help your insurance company.

ReadytoQuote.com specializes in marketing insurance websites online. Learn more at http://www.readytoquote.com.

Florida has six bills up for consideration this session that target distracted drivers. There are currently no Florida laws that restrict using smartphones or talking on a mobile device while driving. Some Florida lawmakers would like to change that.

Senate Bill 416 would make it illegal to text, check email or have instant message conversations while driving, but would make it ok while sitting at a stop light. A first offense would be a non-moving violation and would result in a $30 fine. Subsequent infractions within five years would result in a moving violation, a fine of $60 and three points deducted from the driver’s license, according to handsfreeinfo.com.

Another bill being considered in the Florida Senate deals with driver’s education. Senate Bill 122 would require driving schools to include curriculum on the risks of driving while distracted.

Senate Bill 930 also would require distracted driver information in driver’s education classes. SB930 goes one step further and bans all use of portable electronic devices by drivers 18 years old and younger, and violations are punishable by a driver’s license suspension.

The Florida House of Representatives has a few distracted driving laws being considered in this session too. House Bill 299 is similar to SB 416 above, but would add a strong penalty if a driver causes an accident while using a handheld electronic device.

School bus drivers get called out specifically in House Bill 187. They would not be allowed to text or call while driving a bus. This bill also would ban drivers 18 and younger from using portable electronic devices while on the road.

Finally, House Bill 39 would create a designated official to whom a person charged with using a handheld device during a traffic offense would have to appear. That official would dole out a fine depending on the severity of the infraction.

Unfortunately, according to Hands Free Info the chances are slim that any of these bills would become law. Many lawmakers are against such legislation and Gov. Rick Scott vetoed a distracted driving bill last year that would have required driving schools to teach about the dangers of operating a vehicle while using electronic devices.

Resistance to Florida bills that would make distracted driving illegal come in many forms, but some lawmakers say it represents a government overreach to tell drivers what they can do in their cars. Across the country, 35 states have passed laws regulating distracted driving.

Vincent Payne is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

It is widely speculated that fraud rings exist in Florida that stage accidents to take advantage of the state’s no-fault insurance system that requires drivers to carry $10,000 in personal injury protection.

Florida is No. 1 in the country in questionable claims linked to staged accidents, according to the National Insurance Crime Bureau.

The Florida Office of Insurance Regulation reports that auto insurance fraud costs small businesses and consumers about $1 billion annually. Insurance fraud and the resultant high rates can be especially tough on small businesses that have fleet vehicles and multiple drivers.

The Florida Chamber of Commerce has taken up the issue as an important part of the group’s lobbying efforts for 2012. The Tallahassee Democrat reports that the Chamber has a history of pushing for and getting needed insurance reforms. About 10 years ago, the Chamber’s advocacy efforts helped secure legislative changes to the workers’ compensation insurance rules.

The challenge for the governor and the legislature is to cut down on the fraud without a complete overhaul of the system. Florida’s no-fault auto insurance system was started in 1972, according to Florida Today. It came to be as a way to combat frivolous lawsuits and help people pay their medical bills more quickly after an accident.

Someone legitimately injured in an automobile accident would go through the $10,000 in personal injury protection quickly with only a ride in the ambulance and a trip to the emergency room. Reform advocates claim that lightly injured wreck victims are used by fraud agents to take the $10,000 from the insurance company and sometimes the wreck victims even get a cut of the cash.

State Chief Financial Officer Jeff Atwater has been blunt about what he sees going on in Florida. “Honest consumers are footing the bill for fake procedures at fake clinics,” he said in Florida Today.

The business reform advocates want to see a few significant changes to the law. They hope to give insurance companies more time than the current 30 days to investigate claims they suspect might be fraud. They want to cap lawyer’s fees and they want insurance companies to be able to inspect the medical clinics some think are committing the fraud.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

Florida law requires a driver to carry a minimum of $10,000 in personal injury protection. It has been widely reported that Florida leads the nation in fraudulent insurance claims in part because of Florida’s no-fault law.

A new group called Gear Up Florida hopes to help push lawmakers to crack down on insurance fraud. That group believes higher insurance costs put an undue burden on businesses that rely on fleet vehicles.

“Florida’s most honest consumers are paying the price resulting from staged accidents, out-of-control litigation and unscrupulous personal injury protection (PIP) clinics that foist often unnecessary services on PIP claimants,” said Donovan Brown, counsel and regional manager of State Government Relations Property Casualty Insurers Association of America. “We must protect consumers and eliminate the rampant PIP fraud that is driving up the cost of insurance premiums in our state, and we believe sound policy containing these elements can do just that.”

Gear Up Florida is pushing for four reforms:
1. Extend the 30-day window in which insurance companies can investigate a claim they think are suspicious
2. Cap attorney’s fees to discourage frivolous lawsuits
3. Require tighter accountability out of the medical community that sees personal injury protection cases
4. Regulate alternative medical practitioners like chiropractors, massage therapists and acupuncturists

The group outlines how PIP fraud is an organized crime in Florida. The Florida Sheriff’s Association’s undercover investigators have found that people who stage accidents often are part of large networks.

Florida’s insurance premiums are more than 50 percent higher than other no-fault states, according to a Naples News article on Gear Up Florida.

Lawmakers are looking at a variety of proposals that could cut down on fraud, according to the Tampa Bay Times. Some lawmakers are pushing for more fraud investigators to crack down on staged accidents. Other lawmakers have said the PIP system is unfixable and needs to be completely abolished.

Florida’s CFO Jeff Atwater also is pushing for the PIP overhaul to be a priority in the 2012 legislative session. Atwater commissioned a group to study the issue in the summer of 2011 to provide insight and recommendations. The group found that the number of drivers in the state has remained the same and the number of car wrecks has actually gone down, but insurance costs have ballooned.

Vincent Payne is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Beyond the financial stressors of not having auto insurance when you need it are the penalties you could face. You can have civil and criminal penalties for not having insurance. From steep fines to jail time, losing your license and your automobile, the consequences can be severe. If you cannot afford to pay for car insurance, perhaps it is time to carpool or take public transportation until you can save enough money to get back on the road safely again.

There are ways to save money on your auto insurance premiums, so explore every route with your Florida auto insurance company rather than skipping out on insurance altogether. In Florida, it is the law that automobile owners have a minimum of $10,000 personal injury protection and $10,000 property damage liability insurance. You must prove that you have PIP and PDL insurance for every vehicle you have registered in the state, or it could cost you hefty reinstatement fees if you do not prove this before your license is suspended.

It is recommended to have uninsured and underinsured motorist coverage on your policy because of Florida’s high-risk drivers. If you were to get in a wreck with an insured motorist, this is one of the only ways to ensure that there will be monies to take care of your car damage and lost time away from work and medical bills if you sustained serious injuries from the accident.

Have an experienced Florida auto insurance agent look at ways for you to save. Let them know your monthly payment goal and they can give you a few options through the best providers. Being a safe driver, good student, and having a vehicle with safety features oftentimes helps cut down the monthly premium. You can also look at raising your deductibles to see how it helps lower the cost. Drivers should pick a deductible that they could afford to pay in the event of an accident. And, if you drive only a short distance for work, this can help lower the premium too.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Here are some tips as you decide what the best vehicle is. Do not be tied to one auto maker. Manufacturers are becoming more fuel efficient and competitive on pricing, unless you are looking to buy a luxury car. So research who has the best incentives and how much inventory a manufacturer might have. When there is more supply at the end of the year, the dealer usually will be much more motivated to make a deal. TrueCar’s website shows inventory for new cars, so you can see if you are after a popular sedan, dealers might only have a nine day inventory of a vehicle. Less popular brands, but still safe and affordable autos, might have a four or more month supply. Research if buying a slower selling new car is better than a late-model used automobile that sells briskly.

Think about leasing. Since interest rates are low right now, it can be a good time to lease. Many leases are for a 36-month timeframe and offer you the chance to get more car for your money. You also take the stress out of the buying scenario where a vehicle quickly depreciates. If you are already leasing, but the time is coming to turn the car back in, ask the dealer about an extension. Sometimes they will agree to this so you do not turn to another dealer when it is time to get a new lease or buy a new vehicle.

Chat with your auto insurance agent about the short list of vehicles you are interested in. This can help you determine which one is the best to keep your auto insurance premium low. Insurers consider accident and theft rates of a vehicle’s make and model, along with your driving history, to come up with the annual premium. Sometimes there is not much difference to insure a new car versus a used one, so inquire about that if you are looking at a range of vehicles.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

A friend can borrow your vehicle if you give them permission to do so. But it is important to know that insurance claims can get a bit tricky if your teen, for example, let a friend drive the vehicle and had an accident. Should an accident occur, your insurance will kick in first; only when damages exceed your policy will the other driver’s coverage kick in.

Most insurance companies understand borrowing a car for a day or one-time occasions; otherwise, you could be in the gray area where an insurer might not cover a claim that the unlisted driver caused. You do not want to be accused of misrepresentation by an auto insurance company. It is better to name all the drivers that could be driving the vehicle, even if it is only 50 percent or less of the time. Misrepresentation, therefore, could cost you even more than adding another driver to your vehicle insurance policy.

An auto insurance company will review the other drivers’ driving record, other insured vehicle, and frequency of driving your vehicle. Auto insurance premiums can often be cut down when everyone in a family is with the same insurer. This is also a good time to review deductibles based on how secure you feel with the other drivers using your vehicle. If they are relatively safe drivers and conscientious about taking care of your automobile, then you might look at increasing the deductible. This can save you money on the premium, but you want to make sure that it does not wipe out your savings should something happen to the vehicle.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

“Bad rain storms cause so many accidents,” said Orlando auto insurance agent Lee Rogers of the Florida Insurance Group. “Areas that are prone to flooding can total a car when the rising floodwaters take over the vehicle.”

In flood-prone parts of Orlando, it can be hard to know if debris or other issues lie underneath feet of water. Drivers should slow down, tune in to local radio stations for alerts, and think about if they really need to be out in traffic.

“It is also about being proactive if you have to go out in a rainstorm,” said Rogers. “Do you have an emergency kit in the car, is your cell phone charged, and do you have enough gas should it take you a lot longer to get to your destination?”

Part of this entails making sure that a driver’s Orlando auto insurance is sufficient should something happen to the vehicle. Rogers advises that drivers know how their policies would take care of the car being totaled, or if they were in an accident.

“It’s too late when you are driving through a flooded area to change your policy,” Rogers warned. “Call us ahead of time to review your collision and comprehensive coverage so you have peace of mind no matter the driving conditions.”

To learn more call 1.888.525.2210 visit http://www.floridainsurance.com.

Vehicles from 2007 and newer sustain severe damage to their bumpers even at three miles per hour. Damage cost a minimum of $1,800 and went up all the way to more than $9,000 on midsize vehicles in their testing. This is in stark contrast to how bumpers were made back in the 1980s. For example, the IIHS tested a Ford Escort from 1981 and the bumper only had $469 worth of damage.

“Automakers could equip new cars with bumpers that are every bit as good as the 1981 Ford Escorts, but they choose not to,” said IIHS president Adrian Lund.

Part of the problem with fender benders is that bumpers are not made to align with each other. This is something that few drivers realize. Next time when you are on the road, notice that SUV, car, and truck bumpers do not match up. So when an accident occurs, extensive damage can happen to another vehicle because of the height of the bumper. The IIHS has encouraged auto manufacturers to at least match up all the bumpers in their fleet, but this has not been widely adopted. As a result, the IIHS has petitioned the National Highway Traffic Safety Administration to make manufacturers align bumpers on SUVs and pickups to be the same as cars. Otherwise, the expensive repairs will continue.

And in turn, this causes auto insurance premiums to go up. Car insurance agencies have access to data about vehicles that experience more costly damage and the rate of those vehicles in accidents. Thus, a person will receive an auto insurance premium and deductibles that reflects the risk of the car you drive. None of the 17 vehicles that the IIHS tested were luxury models either.

It seems that auto manufacturers have chosen to focus on other safety features rather than making bumpers more crash resistant. The IIHS traces this back to 1982 when the Reagan administration lessened federal bumper laws. Bumpers used to be made with sheet metal, extended far enough to protect headlights and the grille, and could be reformed after an accident even by using a hammer or basic welding to reshape it. Drivers today will most likely have to repair a bumper even after one fender bender.

Speaking to an experienced auto insurance agent when you have an accident can help a driver find the best auto body shop and minimize the cost of repairs.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

The Insurance Information Institute (III) offers tips to minimize this great risk and danger. As many people have heard, park in well-lit areas and be aware of people coming close to your vehicle for no apparent reason. It is also wise to not stop at ATM machines or isolated areas where you could be pinpointed.

Sometimes a carjacker is not just after the vehicle but what they might have spotted inside it. In Tampa Bay, a recent carjacker wanted all the people’s money, cell phones, iPad, and other items. It is important to remember that if you are out shopping to not leave your bags and other items visible in your vehicle. And if you happen to have a car alarm with a panic button, this is the time to use it to protect yourself and your vehicle if you see someone suspicious or are being carjacked.

The III recommends that drivers keep their vehicle registration card in their wallet, not the glove department. Security devices can also deter a person from stealing a vehicle, whether it is an alarm or steering wheel lock. Cars are also starting to contain more high-tech features, such as the OnStar system. OnStar, for example, has a service where a person can report their vehicle as stolen and then the system can help to locate it with GPS technology. Once located, OnStar can slow the vehicle down or prevent it from starting as authorities recover it.

Otherwise, if your vehicle is stolen, report it to the police and your insurance company as soon as possible. Authorities will want to know when the car was stolen, any information you have about potential suspects or witnesses, and your vehicle’s description. Your insurance company will review the comprehensive coverage you have that compensates you should a theft incident happen, vandalism occur, or some part of the car’s built-in features be damaged. An insurance company typically has a set number of days wherein they must see if the authorities can recover your vehicle.

It is recommended to find out about all the parts of your coverage with an experienced insurance agent when deciding on the best auto insurance policy for your money. Getting peace of mind ahead of time about how the policy protects against theft, vandalism, and other non-collision incidents is well worth your time.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Intelligent seat belts
Honda, Mazda, Infiniti, and Mercedes-Benz use smart seat belts in certain models. Belts tense up and the seat automatically adjusts should a crash occur. Ford and Lincoln use inflatable seat belts on some models, and even have them on the second row of seats. When a crash occurs, the belt inflates across the passenger’s chest to protect it from crash forces.

Lane warning systems
This type of system monitors images and lines on the road. Through camera and transponder data, the system will warn if you drift out of your lane. Some manufacturers signal thru a flashing light or an alarm.

Adaptive cruise control
This is the latest in cruise control that uses radar to monitor the distance between you and another vehicle. When a crash is about to happen, it will go into brake mode, tighten the seat belts, and release the airbags.

Adaptive head rests
These head rests will move higher and go forward to help prevent whiplash. Rear-end crashes are a common occurrence, so this will help lessen the chances of a neck injury.

Headlights
Adaptive headlights are the newest innovation. These have a greater range of motion that allows the area around a corner to be more visible. Many auto manufacturers are using this along with daytime running lights.

Other Safety Devices
From breathalyzer ignition locks to driver eye scanning for the fatigued driver, manufacturers are working on devices that alarm the driver when these concerns occur. Most drivers know that driving drunk or when tired is wrong, but will they pay attention if an alarm goes off is the bigger question.

The Enhanced Basics
Tire pressure monitoring systems help detect air loss. This prevents accidents involving a tire blowout, which can be extremely dangerous if a vehicle is going high speeds on a busy highway. Telematics such as the OnStar communication system can alert emergency personnel after an accident, and even unlock doors and track a vehicle’s location if it is stolen.

Safety features such as these can greatly reduce auto accidents and the injuries and fatalities that are a reality of our roadways. They can also help to get a driver a reduction in their auto insurance premiums. Florida auto insurance company AGIC Insurance, Inc. helps drivers to get the best Florida auto insurance quote for their budget. They will help drivers shop around for the best policy and get peace of mind that the driver and passengers will be adequately protected.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

“The mistake many people make is thinking that optional means unnecessary, and that is a costly mistake considering the high numbers of uninsured and underinsured drivers on the road,” said Lynne McChristian, Florida representative for the Insurance Information Institute. “You cannot gamble that the other driver’s insurance will be sufficient to take care of you if you are injured in a car crash, so bet on taking care of yourself.”

Coverage for an uninsured motorist helps protect drivers not only from uninsured drivers but drivers who do not have adequate insurance and hit-and-run drivers. When an at-fault driver does not have the insurance needed to cover auto damages or serious injury costs they inflicted on you, this can leave you scrambling to find a way to pay for all the repair and medical bills. Unless you have a successful lawsuit against the driver or enough savings to pay for these costs, adding uninsured motorist coverage to your policy can give you peace of mind that you will not have to go through this.

The optional bodily injury liability part of your coverage is also a wise addition. Bodily injury liability coverage is for when you are legally liable for a collision and must pay for another driver’s or passenger’s injuries. This also comes in handy should you let others drive your car with permission and they cause an accident.

The minimum, required property damage liability (PDL) coverage of $10,000 and personal injury protection (PIP) of $10,000 can vanish very quickly in a serious accident. Even part-time or seasonal Florida residents must carry this coverage if they live in the state for more than 90 days and are encouraged to get the uninsured motorist and bodily injury added to their coverage. For drivers in the state, they should speak to a qualified Florida auto insurance agent to discuss their options and what deductibles they are comfortable with. Varying the deductible will modify the monthly auto insurance premium.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

Roadway improvements include wider pavement markings for visibility, larger street signs at high-traffic intersections, and better signage and signals at work zones and pedestrian crossings. These strategies help to lessen accidents, injuries, and roadway fatalities. The Roadway Safety Foundation has noted how adjusting the timing of signals, adding left-turn signals and lanes, and rumble strips on the shoulder also cut down crashes.

The best safety tips involve sharing the road safely with other vehicles, big rigs, bicyclists, and pedestrians. Drivers should always wear their seatbelt and avoid aggressive driving and others who are exhibiting this behavior. Cutting in front of another vehicle can cause an emergency braking situation where you can risk your life. Same goes for driving in a big rig’s blind spots – if a driver is unable to see you in the mirror, chances are that they will not have enough time to brake.

Distracted and drunk driving can equally put you at risk of an accident. Texting, talking on the phone, and getting in the driver’s seat after a few too many drinks can endanger your life and others. Pull over if you must answer a call and if you are not in the right state of mind, call a taxi or friend to pick you up and take you to your destination.

With pedestrians and bicyclists, drivers should be aware of stopping behind the white line to give enough room. Pay attention to no turning on red signals and do not try to beat a red light. Of equal importance is backing out of driveways and parking spots. Double check that no walkers or bicyclists are about to approach. Paying attention can prevent many accidents and injuries from happening.

Driving safely can also make a big impact on your Florida auto insurance. Driving infractions will cause points to be put on your driving record. Florida car insurance companies can see what violations you have had in the state and outside Florida too. This can cause your insurance premiums to go up.

Auto insurance company AGIC Insurance, Inc. assists drivers to find the best Florida auto insurance quotes. They are known for their preferred provider networks for health concerns after an accident and auto repairs that equal big savings for drivers throughout the state. AGIC also has innovative payment and deductible-reducing programs to help drivers save money.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

It is critical that an insurance company knows the car will be based mostly on campus. Car insurance rates can come down if the location of the school is drastically different than the primary residence. Universities in rural or small towns can lower premiums more than urban areas where there is more risk.

Otherwise, if the title is still in a parent’s name, your child can remain an insured driver on your policy. Many companies will want to know that your child still lives at home during breaks and is technically a resident in the home.

Luckily there are still ways for your teen to save on car insurance. Good student discounts and a continuing good driving record will help keep costs down. The vehicle driven, how much your teen drives, and safety features of the car can also affect the premium. Many parents also review the policy coverage amounts to ensure that their teen is protected when they are away from home. It’s the first time that a parent cannot be there for their child at every obstacle that life presents, so reviewing the bodily injury, personal injury protection, uninsured/underinsured motorist, and collision coverage is important.

Parents should take the time to also have an honest discussion with their teen. Explain that you know college is an exciting time, but drinking and driving and distracted driving can have serious consequences. Teens sometimes let others drive their vehicle and while this is a scary thought for a parent, it is better to discuss this ahead of time so that your child can be smart and remember the discussion when confronted with a challenging situation. It is crucial to remind your teen that it is important to stay alert when driving back and forth from college, including if they have to work off campus while going to school.

In Florida, AGIC Insurance, Inc. has assisted many parents and college students to get reasonable Florida auto insurance. They will help you shop around for the best policy and get peace of mind that your teen will be protected while going to college. AGIC has installment payment plans too so that individuals and their families can make the insurance work to fit their monthly budgets. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

If an individual has an opportunity to call their insurance agent before purchasing the vehicle, it can save them some serious cash. The vehicle model, make, safety features, and the person primarily driving the car all influence the monthly premium. Features such as automatic seatbelts, anti-lock brakes, air bags, and car alarms can equal big savings. Some auto insurers also offer good student and good driver discounts, so be sure to ask your agent about all the ways to cut down the monthly premium. So if you are deciding between two to three different autos, an insurance agent will advise you of which one is going to save you the most money.

Auto insurance “…protects your financial future,” said Zeid Nasser from The College Driver. “People often think of their immediate finances, but a lawsuit from a serious accident will follow you and ruin your financial future. Another thought is that having the right coverage will protect you and your family from medical disasters.”

Adding a car to your insurance through your current insurance agent can save you money overall. Many insurance companies will give discounts to people who have more than one vehicle in their policy. This also saves a lot of the hassle of new paperwork, coverage amounts, and multiple agents. Many drivers elect to have the same amounts for collision and comprehensive insurance, bodily injury, and uninsured motorist coverage.

Take 10 minutes out of your busy day and call a qualified auto insurance company to review your current policy and ensure that the coverage for your new vehicle is adequate. The agent will let you know of any auto insurance policy changes or better coverage for your money. They will also give you options with different insurance carriers and will guide you through getting new auto insurance cards.

In Central Florida, the Florida Insurance Group has helped many individuals and families get the best Orlando auto insurance quote for their new vehicle. They have access to 40 insurance companies to find the best coverage for your money. They have more than 20 years of working with clients online and over the phone to find the best policies.

For more information:
1-888-525-2210
www.floridainsurance.com

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

The police should be called so that a full crash report is completed. This is critical so that the insurance company can compensate you for damages and shows who or what caused the crash. Otherwise a crash can become a situation of one word against another person’s. Especially if you find that the other driver is uninsured, you want as complete a record of the accident as possible so your insurance company can pursue action against them. Also, if you have suffered physical injuries you should seek medical attention immediately.
Taking pictures at the scene of the accident is helpful to your insurance company to show the fault and extent of the damage that the other driver caused. Same goes for any eyewitnesses. Their contact information and statements make your claim stronger. As soon as possible, call your auto insurance company to start a claim against the other driver’s insurance.

From here, you will want to get repair estimates to know how much it will be to fix your vehicle back to normal. Drivers should get quality parts to repair the auto and a paint job as needed to fix cosmetic damages. An insurance company will want to get a printout of the itemized list to then assess the costs. This is when the insurance claims adjuster will sometimes get in touch with you to inspect the vehicle, meet with you, or contact the auto repair shop to verify the extent of the damage.

When the adjuster signs off on the repairs needed, a check will be sent to you for that amount. A property damage release will then be sent to close out the claim file. At this point, no more claims can be made due to the accident, so be sure to know the full extent of your auto damage and medical concerns at this time.

The Florida auto insurance company AGIC assists drivers in getting quality medical care and auto repair after an accident. They have preferred provider networks that equal big savings for drivers throughout the state. AGIC Insurance, Inc. also has innovative deductible-reducing programs after an accident occurs when drivers go through these preapproved networks. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

The Insurance Institute for Highway Safety says that senior drivers have as many fatal crashes as 16 to 19-year-olds. In these deadly crashes, seniors were hit two times more than the teenage group. For 22 percent of these accidents, older drivers were turning left and died. Decreasing field of vision and slower reflex times cause seniors to be more susceptible to accidents.

Studies have shown that seniors who take accident prevention courses and brain training for a total of 10 hours can drastically reduce their likelihood of getting in an accident. As the baby boomer population continues to age, older drivers will keep their licenses active and drive increasingly more. Seniors can get deeper Florida car insurance discounts and protect their livelihood from taking these car courses.

Older adults can benefit by talking to a qualified car insurance agent to make sure they have adequate bodily injury coverage and the best Florida car insurance quote. Senior drivers take much longer to recover from serious bodily injury at this age, so ample coverage to take care of medical bills and recuperation time is critical.

An estimated 57 million seniors will be driving by 2030. AARP has a “CarFit” program for seniors to take advantage of to help improve their safety, mobility, and comfort. The educational class covers topics such as proper mirror adjustment, foot positioning, and proximity to the steering wheel. Many of the seniors who attend classes “…made a change to improve the fit of their vehicle, their use of safety features in their vehicle and/or their willingness to discuss their driving with family and/or health care providers.”

AGIC Insurance, Inc. helps seniors learn more about protecting themselves and their assets from serious car accidents. AGIC representatives will take the time to explain liability, medical, uninsured motorist, and vehicle damage coverage to the client so there is a full understanding of their Florida car insurance quote. The company makes it easy to get an auto insurance quote over the phone or online. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

With so much driving, individuals and families must protect themselves with adequate Florida auto insurance. The latest data shows that more than 18,100 accidents happened in the county. Whether you drive a car, truck, passenger van, or motorcycle, statistics show that careless driving causes the most accidents. Failing to yield the right of way, following too closely, disregarding traffic signals, and distracted driving cause the most accidents and injuries to drivers and passengers. Add in drivers under the influence of alcohol, and it’s a must that you get sufficient Florida car insurance to protect yourself and your assets.

Drivers must also be aware that an estimated 24 percent of drivers in Florida are uninsured. Even though this is against state law and a driver can have their license suspended with hefty fines, it is a reality of the economy and amount of people that travel our roadways. Getting uninsured/underinsured motorist coverage in your policy is highly recommended. This coverage protects a driver should an accident happen with a driver that does not have insurance or too little insurance to pay for injuries and damages that occur.

Florida is a no-fault state, which means that an insurance policy will cover injuries or damages no matter who was at fault. A minimum of $10,000 property damage liability coverage and $10,000 personal injury protection (PIP) is required. PIP also covers a driver if they are injured in another person’s vehicle. Collision coverage pays for damage in which the driver was at fault. Comprehensive coverage pays for damages due to weather events, theft, and vandalism, amongst other factors.

In Hillsborough County, more than 2,500 motor vehicle thefts occurred according to the most recent crime data. With a vehicle stolen close to every eight minutes statewide, and criminals sometimes after specialty parts, drivers must protect themselves from this devastating problem.

AGIC knows how stressful it can be to deal with a vehicle theft or accident. Their Florida auto insurance quotes provide drivers with the best value and a complete package of needed services. AGIC has payment plans that allow drivers to choose how much and when payments will be made. When you are in an accident, AGIC has an innovative deductible program where your deductible can be cut in half by using one of their accredited health care and diagnostic facilities in their Preferred Provider Network. Drivers will also get substantial savings through their Approved Repair Centers. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Sport utility vehicles, vans, and minivans top the list of cheapest to insure. Insurance companies like these autos because they’re usually driven by parents with kids who are doing errands and short trips. “When shopping for a vehicle you have to look for safety as opposed to sexy,” advises Peter Moraga, a spokesperson for the Insurance Information Network. “A safer car is not only going to save your life, it’s also going to lower your insurance rates.”

The top vehicles ranged from $1,179 to $1,241 a year for insurance coverage for a 40-year-old driver with a clean driving record and a 12-mile commute to work. The top 10 autos include:

• Chevrolet Equinox four door, four wheel drive vehicles
• Honda Odyssey vans
• Chrysler Town & Country LX
• Honda Element LX
• Four-cylinder Mercury Mariner with 4-wheel-drive
• Four-cylinder Toyota Sienna
• Four-wheel-drive Mazda Tribute
• Ford Escape vans
• Chevrolet Traverse SUVs, both two wheel drive and four wheel drive models
• Jeep Wrangler Sport and Unlimited Sport models

Safety equipment can also help decrease Florida car insurance premiums. Electronic stability control, airbags, and backup detection devices are features that drive costs lower. But if you aren’t a fan of these vehicles and gravitate to the opposite side of the auto spectrum, beware of auto insurance costs that range two to three times more.

For drivers that can’t live without a new Mercedes, Jaguar, BMW, Porsche or Aston Martin, high car insurance premiums are a given. “Any vehicle that would cause a teenage boy to stop and gawk would likely cost a pretty penny to insure,” says Russ Rader, a spokesperson for the Insurance Institute for Highway Safety. “Many of the vehicles at the top of the list cost as much as a small house to buy, and that means they’re costly to fix.” Even with an immaculate driving history, these vehicles are such powerful, fast machines that a single part in need of repair can equal the total cost of one of the top 10 autos.

In Florida, AGIC Insurance, Inc. will help an individual review average annual premiums as they are car shopping. They are known for affordable auto insurance and working with a driver to set up a payment plan that meets their budget. To learn more about getting a Florida auto insurance quote, click on http://www.agicinsurance.com or call 1-877-854-0123. AGIC representatives will take the time to explain vehicle damage coverage as well as liability, medical, and uninsured motorist coverage so every client has a full understanding that they are getting quality insurance at a great value.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

“Floridians need to know that our state, unfortunately, continues to have the highest number of questionable, or ‘staged’ accidents of any other state in the country,” said PCI assistant vice president and Florida regional manager William Stander. Four of the top 10 cities with the most fraudulent claims include Tampa, Orlando, Miami, and Hialeah.

PIP fraud squads are attempting to uncover staged accidents and bogus auto insurance claims. With triple-digit increases in questionable claims, the state’s Department of Financial Services and Division of Insurance Fraud want to introduce laws that will assess civil penalties for fraud, tighten medical clinic regulations and ensure their healthcare services are appropriate for the accident.
Florida car insurance companies are on the lookout for fraudulent claims and assess the following red flags:
• Increasing or adding coverage in the weeks before an accident or theft happens
• History of losses and claims
• Individual who is overly calm after a big accident
• High debt loads that would cause an individual to want to make a claim
• Medical records appear altered or only list highest-cost procedures
• Unusual delay in reporting the accident
• Taking off more days than is typical due to the accident

As insurance adjustors and regulators attempt to decrease fraud, they are turning to forensic accounting and other investigation tactics to determine the validity of a claim. “Policyholders shouldn’t be afraid to submit a legitimate claim,” said Tom Welsh, vice president of training for the National Insurance Crime Bureau. “Insurance companies don’t want to pay anything they don’t legitimately owe because that hurts their customers and their business. Fraud hurts everybody because everyone’s premiums go up when fraud happens.”

Attorney fees and auto accident-focused healthcare centers are under heightened scrutiny. Increased claim severity and costs are being viewed as a way for these two industries to profit off of low-grade injuries such as fender benders. But in the long run it just really hurts monthly auto insurance premiums, said the Property Casualty Insurers Association of American.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Auto Must Haves

Make sure you have proof of insurance in your wallet and glove compartment. If you are travelling out of state, your Florida auto insurance will cover you. Verify that your ID card lists your insurance company and the agent’s phone number should you have a question.

Pack a first aid and roadside assistance kit in case an emergency happens. A flashlight, cell phone charger, blanket, and extra batteries will be your lifeline should something occur.

Plan Your Route

Try to avoid rush hours in other cities to prevent wear and tear as well as accidents. Having an atlas or GPS system will help you avoid getting lost or stressing over the best route. Many GPS systems also alert the driver to the speed limit. Remember that speeding tickets can affect your auto insurance premiums, so going the speed limit will save you money on your insurance and gas costs.

After a Crash

If you are in an accident, call the police and emergency services immediately. Collect all the names and contact info of the other driver, passengers, any witnesses, and the responding officers. Call your Florida car insurance agent after this and try to get as much evidence as possible at the scene. Take photos of your vehicle damage, any physical injuries, and any road hazards that could have contributed to the incident if possible.

Reputable auto insurance companies will swiftly help you get a rental vehicle and your car in the repair shop, unless it is totaled. Even if the driver who caused the accident is uninsured, your Florida auto insurance policy does cover for an uninsured motorist.

AGIC Insurance, Inc. of Florida has a unique deductible program where your deductible can be cut in half if you are in an accident when you use their healthcare and diagnostic preferred providers. Drivers will also get savings by using their partners at approved repair centers. Their Florida auto insurance quotes cover all the needed services drivers deserve at a great value. AGIC even has installment payment plans to help individuals and their families with their monthly budgets. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Step 1 – Car type
Is the car safe and does it fit the teen’s or family’s budget? Ask your insurance agent about what it will cost to add your short list of vehicles that you’re considering buying or giving to your teen. Sporty vehicles, high-dollar autos, and the most stolen cars will increase auto insurance premiums. Vehicles with the latest safety equipment will help lower a teen’s premiums.

Step 2 – Driver history
Has your teen passed the state course and driven alone without an accident or ticket? Many parents prefer to let their teen drive with another parent for a few months and then allow them to go solo with permission for specific activities, such as school or job related needs. Parent-teen driving agreements help new drivers know their parents’ expectations since driving is a privilege, not a right. Many online agreements exist so that parents can tailor it to their teen and family.

Step 3 – Deductibles
Raising a deductible will get you a lower premium, so have your Florida car insurance agent give you a few quotes showing you the difference. Parents might weigh changing their deductibles or just the figures for the new teen driver to safeguard their assets and savings. If an accident does occur, you might have to pay more to fix the problem, but the savings you’ve piled up over time could equal even more.

Step 4 – Keep Practicing and Communicating
The key to fewer accidents and tickets, and thus better insurance premiums, is being involved with your teen. Have them practice while driving to a remote relative’s house, on a highway to pick up a friend at the airport, and other real-life situations that will empower them to drive better in the future. Coaching them while in the passenger’s seat – in a calm and respectful way – during a rainstorm or nighttime conditions will help your teen learn quicker. Teens are new to judging space and time while driving, so be an active participant while they are learning.

Also, being communicative about the pressures of driving will help your teen know their parent cares. Parents should talk about peer pressure and the dangers of speeding, alcohol and drug use, and distracted driving. Texting while driving, checking email or the Internet, and not being mindful of the road can have very serious consequences. Offering advice and setting reasonable rules will go a long way to protecting your teen and his or her vehicle.

Florida auto insurance quotes have a minimum of $10,000 property damage and $10,000 personal injury protection. Teen auto insurance rates are higher all around because of the risks new drivers have.

AGIC Insurance, Inc. is known for assisting teens and their parents to get the best Florida car insurance quotes throughout the state. They go after the best premiums for their clients and have innovative deductible choices and payment plans with their network of preferred providers. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

“It’s best that you make two phone calls before renting a car – one to your insurance agent and one to your credit card company if you will be using it to pay for the rental car,” says the Insurance Information Institute.

Most normal Florida auto insurance coverage takes care of the coverage and deductibles for the rental car as long as the car is not for business. But beware if you do not have comprehensive or collision coverage on your normal vehicle. You would also not have this coverage if something happened to the rental car and could be liable for the damages or theft.

Your Florida car insurance company can sometimes give an insurance rider to cover loss of use, towing charges, and administrative fees when using a rental car. The rider is typically less expensive through your car insurance company than the rental car company.

And interestingly enough, if you use certain credit cards for the rental car fees, drivers can be covered for damage or loss of the rental car. It definitely pays to call the credit card company beforehand as their policies might not cover bodily injury, death, or diminished car value. Policies through a credit card company do change over time, so call to get a clear understanding of the coverage.

“If you already have comprehensive and collision coverage on your own car, check with your personal auto insurer to make sure you are not duplicating coverage you already have,” says the Insurance Information Institute.

Rental car companies have various insurance options should that be the best route to protect you and your family. Here are the most common choices:

• Loss Damage Waiver: waives financial responsibility if the rental car is stolen or damaged; these become void if the crash was due to speeding, DUI, or driving on unpaved roads
• Liability Insurance: supplemental insurance will simply provide the state mandated amount of liability coverage
• Personal Accident Insurance: covers medical bills due to injuries from an auto accident
• Personal Belongings Coverage: insures items in the car should they be stolen

AGIC Insurance, Inc. will look at your Florida auto insurance quote to let you know what coverage is included when renting a car so you don’t waste your money. AGIC knows that insuring a rental car can be a confusing process that becomes an urgent question when you get to the rental car counter. They help Florida drivers make sure their coverage is giving them all the protection they need so there are no gaps in coverage when renting a car. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Vincent Payne is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Most insurance companies allow you to get multiple quotes from different insurance providers. This enables you to see the most attractive deductibles, limits and options for repairs and medical coverage. Reputable agents will help explain all the categories so you have peace of mind.

Some of the cost-cutting measures actually happen before you even start shopping around. Drivers with no accidents in the last three- to five-year span are eligible for lower rates. And, if your vehicle has some security features, such as an alarm, anti-lock brakes, airbags and seatbelts, a Florida auto insurance premium can go lower.

If you have the ability to do so, some insurance companies will give a discount for paying the car insurance policy in full every six
months to a year. Others charge less if the monthly premium is automatically withdrawn from your account.

It helps to share as much information about your vehicle and driving history as possible so that an experienced auto insurance agent can look for other discounts for you and your family. Ask about multiple car discounts, low mileage discounts and even age-related price breaks.

After you have found the perfect premium, there are some steps to keep the monthly amount low. Many people don’t think about this, but paying for small repairs on your own is better than filing an insurance claim. Examples such as getting your car dinged by backing up into a short pole, pulling into the garage a bit too fast, or the car door getting scratched are better paid out of pocket. When individuals file numerous claims in a short period of time, an insurance company may examine your policy and raise the rate or even refuse to renew coverage.

AGIC Insurance, Inc. provides affordable Florida auto insurance quotes to drivers throughout the state. They will aggressively go after the best quotes for their clients and has innovative payment options and deductible choices with their network of preferred providers. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Vincent Payne is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

If your website is not functioning as well as you think it should be, perhaps it is time to take a hard look at what needs to be done to make it more successful. You want to convert those browsers to buyers. The only way to do that is to ensure that you have the right things going on with your site. In other words,  you need the right insurance search engine optimization (SEO) – search engine optimization that works for you and brings you business.

Working with SEO is sort of like building that better mousetrap. Everyone needs this kind of service and yet some still think they can do things on their own. Unfortunately, those without the experience to do SEO the right way will find their website buried deeply on page six or worse of Google’s website rankings. Not the best thing for your business.

You want and need people to know who you are, know about your business and find it on the Internet. You want them to interact with you, buy from you and talk to you and ask questions. The more interactive you are with your customers, the more they will remember you, which will mean business later on. You cannot accomplish this if your website does not rank well. Few people will go beyond page one of Google’s rankings to find what they want. Therefore, you want to be on page one. It is that simple, but complex at the same time.

The mostly simple part is that you need to expand what you offer on your website to include the latest and most interactive widgets and gadgets used in the 21st century to connect with the billions of people online. You need the social media, the blogs, the Twitter account and other things like an instant insurance quote function. People demand more online today than they ever have before. If you do not give it to them, they will go someplace else.

People want insurance information fast and they want it yesterday, so if you have the ability to offer them quotes yesterday, you have just given them something they really wanted  and they will remember that when they choose to buy. You need to find a search engine optimization company that will be your partner in the success of your business; one with insurance marketing experience of their own. They know your business, because they do it every day.

Ready to Quote is an insurance marketing company, specializing in marketing insurance websites online. Learn more at ReadytoQuote.com.

Keeping your insurance website vibrant, interesting and fresh is way more work that you first thought when you started doing the work yourself. Yes, your site may look really nice, but trying to keep it that way and keep it relevant is draining. You are also not seeing very good results in terms of conversions from visitors to buyers. Is there a problem with your site? Is it doing its job of insurance marketing or is it sending people back into cyberspace to look someplace else?

Overall, you just are not happy with how your website is performing. It is time to hand it over to the professionals and find out what insurance search engine optimization can do for you. If you find a company that does it all for you, so you can do your job running your brick and mortar business, you will have access to all the latest and hottest Web 2.0 features. There is nothing like up-to-date technology to spiff up your website and make it more relevant to surfers.

Wouldn’t you like to see your website rank way better on Google? Sure you would and that can happen with the right insurance search engine optimization strategy designed just for you. This takes time and skill and if you can do it on your own, that is great. However, there are a large number of people who do not understand the first thing about it. That is why it is best to stick with the experts. That is why hiring a team to work on your website will make all the difference in the world to your overall rankings.

Thinking budget might be a problem? Instead, try thinking about the money you are not making because people are not buying products on your site. If you could revamp things, keep your visitors and turn them into buyers, your investment in insurance search engine optimization would pay itself back tenfold; a smart business decision indeed.

Time for a change on your website? Time for a smart, crisp and no-nonsense professional web design with clear content? Then consider hiring out your new future success to a company that not only knows insurance search engine marketing like the back of their hand, but is actively involved in the insurance industry themselves. What more could you possibly ask for?

Ready to Quote is aninsurance marketing company, specializing in marketing insurance websites online. Learn more at ReadytoQuote.com.

Most drivers modified their tires, wheels, audio systems, and air and fuel delivery systems. After that, upgrades to upholstery, lighting and body, paint, exhaust systems, DVD systems, and roof racks were the most popular. And there is still healthy demand for engine, grille, and ground effect and spoiler purchases.

All these purchases lead to considerations that drivers must take into account when they are purchasing new auto insurance or updating an old policy. Imagine that a custom paint job, special tires and wheels, and a new sound system cost $6,000. The comprehensive or collision coverage part of the auto insurance policy will typically only cover $1,000. If the driver was in an accident or the vehicle was broken into, the driver would be responsible for the difference. That is, unless they purchased additional custom parts and equipment (CPE) coverage.

In Florida, CPE coverage gives drivers peace of mind that their equipment, accessories, devices, enhancements, and upgrades are protected should something bad occur. An experienced Florida auto insurance company is well versed in the adequate amount of insurance a driver will want to protect their investment.

It is recommended to take photos of the custom parts and equipment, and save all purchase receipts and manuals. The more a driver has for their records and the Florida car insurance agent, the better. Most Florida car insurance quotes will allow drivers to choose a flat amount of coverage for the vehicle customizations or to itemize each upgrade for slightly higher costs.

Drivers deserve to have a car insurance company that gives them the best value and the most complete suite of services, including options to cover their vehicle customizations. It is easy to customize auto policies just as it was fun to personalize a vehicle.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Partnering with a good Florida car insurance company will ensure that a driver’s most important questions are answered. Most drivers have a love/hate relationship with their vehicles. They love the freedom and convenience factor it gives them, but the costs of insurance, gas, and repairs from dings and accidents are an aggravation.

Questions a driver should think about when they are working to get a Florida auto insurance quote are:

–          What makes me unhappy with my current coverage?

–          What coverage should be obtained: better protection, lower rates, quick claim turnaround time?

–          What are the new features a car insurance company can offer me that were never available with my old company?

–          What other factors do I need to consider – make of car, dependent children driving the vehicle, use of the vehicle?

It is key to make sure the company chosen is financially strong. Drivers will want an insurance company that can pay claims and have enough cash reserves to be there for them when the company is needed. Vehicle owners will want to make sure their deductible is reasonable should a loss occur. Working with an insurance company that will let a driver modify their deductible amounts in the future should a financial situation arise is good to have. With a high deductible, an individual could be putting their savings and emergency monies in jeopardy just to save a few bucks on the monthly premium.

Last but not least, the company’s reputation and level of customer service is critical. Drivers will want a company that is there for them in good times and bad. Quick, fair action and payment for claims is crucial.

AGIC Insurance in Florida has an A rating for financial stability and a solid history of dedication and follow through on their driver’s claims. They will relentlessly go after the best quotes for their clients and also offer innovative payment options and deductible choices with their network of preferred providers. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Want to snag competitive clicks from a competing insurance website? One of the ways to do that is to make sure you have an instant quote function on your website. People are in a hurry to get information these days and they do not want to waste time poking about a website trying to find out prices for various insurance policies. They want to know right away how much money they can expect to shell out for insurance. They also want to know what other options they have at their disposal.

If your insurance website offers visitors what they want to know immediately, within a few clicks, then you have kept them on your website long enough that they will likely convert – meaning buy insurance. If your quotes are reasonable, prompt, suitable and instant, you have a leg up on your competition. If you are readily available to assist those who have asked for instant quotes and can offer them other alternatives, then that will put you even further ahead yet.

If your insurance website is not up-to-date, clean, loads fast, offers instant quotes, great articles, current news and tips and a blog etc., your business is missing the showboat. Your website needs to be alive, dynamic, chockfull of useful information, personable and above all else, optimized to the max for your needs. You want to keep your visitors from clicking away to the competition. In other words, you want insurance search engine optimization (SEO) to work in your favor and bring you traffic.

Once the traffic is there, your site needs to meet the needs of the visitors. They do not just want health insurance quotes, they want information about how the various plans work, costs, how it will fit their needs, what they can do if they are on a budget and a whole host of other questions. If you have those answers, they will consider you the expert to do business with for their insurance needs.

To do all this, you need a professionally designed insurance website that gets your message across clearly. Think about this question for a second: What is the most important thing that I need to tell my customers? Once you have the answer to that, you have the core reason behind your website.

To get the right kind of insurance website, partner up with an insurance search engine optimization company. If you have an SEO company on your team, you will have a website that will be the talk of the town. You also want your SEO company to know what they are doing when it comes to insurance agency marketing. Find that company and your website will be tailored to Web 2.0 compliant and do you a world a business.

ReadytoQuote insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

Let’s take a look at each one.

Collision insurance protects drivers from accidents involving other vehicles and objects. It provides protection by covering the cost of repairs to the vehicle or, if the vehicle is totaled, its replacement.

Comprehensive insurance coverage, however, covers virtually everything else beyond a collision up to the limits of the policy. This could be theft, vandalism, a tree limb falling on the vehicle or weather damage. It usually does not cover things such as tires, vehicle contents or acts of God.

Collision and comprehensive insurance can be purchased separately but are often purchased together. They often require a deductible. This means that the benefits of the coverage will not kick in until the policyholder has contributed a certain portion of his or her own money toward a claim. Deductibles can run the gamut, but often start at $500 and increase from there.

When choosing an auto insurance policy, it is important to note that a higher deductible will carry a smaller premium and vice versa.

The coverage amount provided by comprehensive and collision can differ depending on which policy is chosen. A coverage limit is the maximum amount a policy provider will pay toward the cost of repairs. A common limit chosen is $100,000.

As mentioned, comprehensive and collision are not required in the state of Florida. What is? Motorists are mandated to purchase personal injury protection (PIP) and property damage liability (PDL) coverage only. The limits set for both PIP and PDL are a minimum of $10,000 each.

Yet those requirements do not offer the protection that collision and comprehensive provide. Many financial lenders will require collision and comprehensive on a vehicle.

It is important to weigh the pros and cons of carrying collision and comprehensive auto insurance. For most drivers, it is a wise and prudent investment that can provide peace of mind and save thousands of dollars should an incident occur. But if the vehicle is old and has a value of only a couple of thousand dollars, it ordinarily is not worth the added expense.

It is important to speak with an insurance agent about the different options available.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

Ask an Orlando renters insurance expert what coverage and discounts are available today. Renter’s policies give peace of mind that should valuables and possessions be damaged, for only $10 to $20 a month, you would be able to replace these items. Most renters do not think their stuff adds up to a lot of value, but think if all your worldly possessions were gone – renter’s insurance would ease the pain of replacing all the furniture, electronics, clothing, and many other things that made life easier.

Three to five components make up most renters policies. Personal property covers household items damaged due to fire, theft, or other loss. Personal liability protection pays for bodily injury or property damage caused to others because of a covered incident. Guest medical protection pays for medical fees that guests could incur who are accidentally injured on your property. Worker’s comp coverage pays for medical fees that personal helpers, such as nannies, maids, and gardeners, could incur as they are injured on the job. And additional personal property such as art, jewelry, antiques, and other valuables can be protected against theft and fire, as well.

Just like other policies, renters are eligible for discounts if they are in certain apartment or home communities. An experienced Florida insurance company will help you find the best policy with the best coverage for your money and offer you support for the months and years to come.

Discounts that can help the monthly fees include reductions when the apartment is located in a gated community, has a smoke alarm or security system, and when higher deductibles are chosen. Be sure to choose replacement versus actual value as the replacement value covers the cost of replacing belongings at current prices. And be aware of the policy’s limits. If you have diamond earrings and a policy caps reimbursements at $1,400, buy extra coverage for these and other big-ticket valuables to truly protect their value should an incident occur.

A good insurance agent will help you define your priorities, whether you are going to college and renting an apartment or settling into your first rental condo and want to make sure you’re being wise with your possessions.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

Some insurance providers make this feature built into their policies whereas other companies offer it as an add-on endorsement. Drivers can expect 10 to 20 percent higher rates for collision forgiveness policies, but it does protect them from increases should an accident occur.

You will want to know how your provider will protect you when an accident happens, as some companies have only partial, not total, forgiveness policies.

Total forgiveness policies will charge no increase in auto insurance premiums for the first accident. Insurance companies reserve these types of policies for drivers who have never caused an accident and have no traffic violations or tickets on their record. Because these drivers seem a low risk of filing future claims, many insurers are marketing this policy to attract this driver profile.

Partial forgiveness policies will only slightly raise premiums, but not drastically compared to drivers not using the protection at all. And if a driver is used to discounts given for safe driving records and involved in accident, they could lose these savings.

An insurance company might forgive a driver, but come renewal time, they could spike their rates or not renew the policy. And when the driver goes to find a new company, they could realize that they must inform them about the incident as the company will be sure to find it on the driver’s record. The new insurer will charge that driver higher rates and most likely not offer accident forgiveness.

It pays to go over your options with an experienced agent so you know how your driving habits will fit with an insurance provider. Getting accident forgiveness for a few more dollars per month could save you a lot of money after your first accident.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

Who does not want to be different? Who does not want to have their website stand out? Who really knows how to make that happen these days? In the milieu of Web 2.0, there are so many things going on that if you do not pay attention daily, update your site continuously and use the most web compatible and interactive technology, communicate via just about every app and service you can think of, your website will be left in the dust. Insurance search engine optimization (SEO) is changing fast and those who hesitate get left behind.

Even if your website is old hat, that does not mean you will not draw traffic. What it does mean though is that you will not get the same kind of visitors that you need these days to sell insurance. While you may be able to design a website yourself, chances are you honestly do not know the first thing about insurance search engine optimization. And really, why would you?

That is not your full time job; taking care of your insurance business and customers is your full time job. If you want to be a part of the now and stay up-to-date on the World Wide Web, check into insurance websites professionally designed by people who know SEO.

The focal point of your website needs to be something that makes people want to come back and buy insurance. Makes sense right? Insurance is a tough market these days and no one knows that better than you do. You need a website hat has some dynamite stuff on it, is eye-catching, interactive, a little bit edgy, offers down-to-earth information, superior customer service and shows the world you know your business like no one else does.

Most of all, you need your insurance website to be optimized for the right keywords and phrases to give you that extra edge over others; the edge that will, over time, get your site on the first page of Google. If you do things the right way the first time, your site will be well on its way to making a steady climb higher in the search engine results.

Remember, insurance marketing is as much about the website itself as it is about the person who runs that website and insurance company. Put another way, your insurance website is your face and place on the web. It is the place to let potential customers know who you are, what you offer, what your pricing structures are, where to find deals and so forth.

It is all about being personable, available and knowledgeable and on top of your business and web presence. It is all about people knowing who they are dealing with and feeling a connection; a connection that means they will buy insurance from you. And that is what insurance search engine optimization is all about, profiling your insurance business in a way that attracts the attention of buyers.

ReadytoQuote insurance marketing company, ReadytoQuote.com. ReadytoQuote.com specializes in marketing insurance websites online. Learn more at ReadytoQuote.com.

When a loss occurs, the provider will pay the replacement cost up to the selected coverage amount. Consumers need the personal assistance of an insurance agent to help them navigate the adequate riders and policies to insure each object. So thank your relatives, but be sure to have a written appraisal or detailed receipt to record the object’s authenticity and estimated value.

Most policies do have a limit and whether the item is lost, stolen, or destroyed you will have protection. Deductibles are very low and fall within the homeowner’s policy. For example, a $250,000 homeowner’s policy will insure for as much as $125,000. Specific items such as flatware, firearms, coins, stamps, and furs tend to have maximums of $1,500 to $2,500 in the event of damage or theft. Policies are also categorized between what is kept at home versus in a vault.

As for computers and electronic items, seek out adequate replacement value coverage to be able to replace your current item with a new one, not just actual cash value insurance. Some insurers also provide floater policies for individual, higher dollar items.

Many big insurance companies will not cover items over $200,000, so you will want to seek out providers that have special services and compensation for appreciation or loss in value. Many individuals are looking to put their money in hard assets that will appreciate, so if you inherit or purchase a big-ticket item, it is worth looking into these types of policies.

“It is very practical to ensure all the things that you use in your daily life that are highly valued,” said Lee Rogers, of www.floridainsurance.com. “Every year you should review your coverage with a trained agent to be sure you are adequately protecting your investments.”

It is best to take pictures or video of your collection and any unique markings that help authenticate the piece. “Florida Insurance recommends that you keep a simple inventory of your collectibles and email it to yourself so you can access it from any computer,” Rogers said.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

The wisest thing a homeowner can do is to make sure they have the adequate insurance for their big investment, and www.floridainsurance.com can search more than a dozen providers to seek out the best premiums and coverage.

“We’ll make sure you are aware of what benefits the providers specialize in,” said Lee Rogers of Florida Insurance. “Our clients deserve peace of mind that they are getting the best coverage and never doubt their insurance.”

Homeowners will want to spend time knowing what is required by updated laws for their homeowner’s policy, and what calamities they should prepare for, too. With property insurance, a replacement cost calculator will analyze square footage and other variables to arrive at an annual premium. A separate policy should be obtained to cover personal property for the replacement value of furniture, electronics, and other valuables. Of special note is the additional living expenses covered, should the home need to be evacuated or becomes a total loss. The liability section should be looked at to confirm it has the protection your family deserves and accounts for legal defense fees should someone ever have a lawsuit based on your property.

An agent should be able to walk their client through what is the most appropriate deductible. “You’ll want to be able to afford the deductible, so be sure that the amount is reasonable for your income,” said Rogers, whose company has been in business for more than 18 years.

A licensed Orlando home insurance agent will find a policy that treats its clients the best, as every company will analyze the risk of past records on the property address and also current assets to mitigate their exposure to defaults and claims. There are so many insurers in the market today, so it pays to get an Orlando insurance expert on your side after you have received a notice that your insurance company will no longer provide coverage.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com.

If you don’t know your PIP (personal injury protection) from your PDL (property damage liability), here are some of the basic things to consider when shopping around for auto insurance.

It is first helpful to know the auto insurance rules in your state. Here in the Sunshine State, the minimum coverage is $10,000 for personal injury protection and $10,000 for property damage liability.

WHAT IS PIP?

Personal injury protection is there to cover you regardless of whether you are responsible for the accident or not. Also known as Florida No Fault Insurance, PIP also covers your children and members of your household, plus passengers in your automobile who do not have PIP coverage and don’t own a vehicle.

Florida requires that every driver carry PIP and property damage liability coverage for the duration of your licensing and registration period.

WHAT IS PDL?

Property damage liability insurance is insurance that covers damages you or members of your family cause to other people’s property as a result of a vehicle crash.

Another type of coverage is bodily injury liability. This liability will pay for permanent injury or deaths when you are responsible for an accident. If you are sued, the insurance company will pay for injuries up to the limits set by your policy and provide you with legal representation if you are sued later.

Your company will pay for injuries caused by you and members of your household, even if they were driving another person’s automobile. It may also cover others who operate your vehicle with your consent. This coverage also provides you with legal defense in the event you are taken to court by the injured party.

When shopping around for auto insurance, it is important to ask agents about the details of each policy and what limits are right for you and your situation.

For more information, visit www.floridainsurance.com on the Web or call 1.888.525.2210.

Understanding what isn’t covered in your auto insurance policy may be just as important as what is covered — or maybe more important in the event that an accident catches you off guard.

It is important to understand that the dollar amount the state requires for bodily and property damage liability coverage may not be enough to cover all of the damages in an automobile accident. If you have an accident that includes bodily injury to others, you may be sued for an amount that is greater than your policy, and you could lose all your assets as a result. The same result could occur with property-damage liability. If you have an accident and hit someone else’s vehicle, your insurer will take care of the costs, but will only do so up to the limits of your policy. You might not be covered for the complete expense if the other person owns an expensive vehicle. To combat this, you can buy liability insurance with a deductible that starts where your regular policy stops.

Motorists commonly believe that if their vehicle is totaled in an accident, the insurance company will cover the full cost of the car.

Your insurance company will pay you something, but the amount may not be what you expect. In fact, it might not even be enough to pay off what you still owe on the car. Most insurance companies will pay you based on the actual cash value of the car, a wholesale amount. This is particularly troublesome for those who have just purchased a new car, as they tend to depreciate in value very quickly. If this is a concern for you, you should consider purchasing gap insurance to cover the difference between what your insurer will pay for your totaled vehicle and what you still owe on it.

Another common myth is that if someone else hits your car, his or her insurance company will have to pay for the damages. While this is a reasonable assumption to make, it is not always the case. Not all motorists have insurance, and being involved in an accident with an uninsured motorist could cost you a lot. You may wish to consider securing uninsured motorist coverage in case another driver hits you and has no insurance. Adding this coverage to your policy is relatively inexpensive and can save you a lot of grief in the future.

Milla Tawnie writes for Orlando auto insurance and Orlando home insurance agency, the Florida Insurance Group. To learn more or to get auto and home insurance quotes, visit FloridaInsurance.com