“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.

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.