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.

“These apps help prevent the temptation to answer an email, text, or call,” said Vincent Payne from Florida auto insurance company AGIC Insurance, Inc. “People won’t have to interrupt their driving to pay attention to what their cellphone is doing.”

For example, AT&T has launched a BlackBerry app called DriveMode that tells the person trying to reach the driver that he or she is driving and cannot respond. Users can customize the message or have the auto-response message get sent. As a free app, it is a no-brainer for drivers to start using much like an out of the office message.

“This is not only smart for everyday use, but will also help cut down on accidents that you could get in,” said Payne. “Distracted driving can cause an accident within seconds, which will hurt your driving record and affect your Florida car insurance rates.”

Before driving, the driver must turn on the app that will then disable web browsing, calls, emails and texts. Emergency 911 calls can still be made. The CTIA, an association of the wireless telecommunication industry worldwide, says that using a cellphone while driving can distract a person longer than other activities like eating, grooming, or turning the radio station. If a person must use a cellphone, hands-free options are far safer.

“Do not even be tempted to use a cellphone while at a red light, stop sign, or waiting for traffic to move,” said Payne. “It can cause an accident that can hurt you or another driver. The risks are not worth it.”

A vehicle’s safety features and an individual’s driving history can influence a Florida auto insurance quote. To learn more about how to get a great auto insurance premium, visit http://www.agicinsurance.com or call AGIC Insurance at 1-877-854-0123.

“We are glad to see these improvements and be able to offer auto insurance clients even better rates with these new developments,” said Vincent Payne, of Florida auto insurance provider AGIC Insurance, Inc. “This will make an impact on injuries, deaths, and damage that some of the crashes have caused on the roads.”

The Insurance Institute for Highway Safety (IIHS) reported earlier in the fall that SUV deaths dropped by two-thirds in the latest year of reporting data. Besides ESC, SUVs are starting to incorporate front-end energy-absorbing structures that cars have used for many years. This means there are decreased chances that a SUV could override another vehicle in an accident and prevent the crash from affecting the front seat areas. Head-protecting side airbags have also been used in many of the new SUV models.

“The IIHS noted that from 2007 and beyond, SUV models come with many of these features as standard items in their vehicle lineup,” said Payne. “Safety features and a good driving record can help lessen your Florida car insurance premium too.”

Since SUVs have come more in line with car safety standards, the IIHS reports that pickups now cause more deadly accidents. Some cite their auto body weight, and the fact that trucks often carry heavy loads in the back for the cause of serious accidents. The IIHS said that pickups were slow to use ESC features, but in due time will become a feature that everyone wants in their vehicle.

Individuals and families who want to find out more about how to get the best value on their Florida auto insurance quote should contact AGIC Insurance, Inc. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

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.

“There is no excuse for not wearing your seatbelt,” says Vincent Payne of AGIC Insurance, Inc. “This cannot only affect your life but make an impact on your Florida auto insurance policy. You don’t want to risk it over what takes less than a minute to buckle.”

Another incident further south on I-75 did not turn out so well. When a vehicle merged into traffic it hit the back of trailer. The auto with the trailer rolled over to the shoulder and ejected a man who was not wearing his seatbelt. He was pronounced dead at Lee Memorial Hospital. The driver and other passengers also went to the hospital for minor injuries.

“Unfortunately accidents like this are a reality and remind drivers that they need to protect themselves with smart driving practices and adequate insurance,” said Payne, who helps drivers obtain Florida auto insurance policies. “It is too late after an accident to get insurance or modify it to cover your concerns.”

Interstate 75 is more than 470 miles long in the state and covers most of the north-south route throughout Florida. As a main artery for drivers, it allows 70 mile per hour driving. As such, it is the site of many auto accidents. From accidents involving rollovers to merging incidents, driving at such a high speed with many lanes of traffic can prove deadly. I-75 has been the scene of wrong-way driving, accidents involving tire blowouts, and even incidents in road work zones.

“Drivers need to get in their car every day and make sure the tires are filled, that they are alert and able to drive, and have a game plan to get to their destination,” said Payne.

AGIC Insurance, Inc. helps drivers shop for the best Florida car insurance at a great value. They will take the time to explain a Florida auto insurance quote and what is needed to ensure a driver’s safety on the road.

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 first six months after getting your license are the most important,” said Vincent Payne of AGIC Insurance, Inc. “Getting adequate insurance and having your parents ride along in different road conditions will help you feel more comfortable and approach situations proactively.”

The top three driving errors that teens make are: not knowing how to detect or react to hazards; speeding around curves and merging too quickly on highways; and, being distracted. Distractions include texting, talking on a cell phone, changing dashboard controls, paying attention to friends riding along, and grooming. By grade 11 in high school, four out of five teens drives a car during the week a minimum of two hours.

“Driving for school, work, or errands can be a great way for a teen to learn how to drive safely,” said Payne. “Parents also need to be good role models – a parent must wear their seatbelt, don’t drink and drive, and stay focused on driving if they want their teen to follow their lead.”

Adding a teen to a parent’s Florida auto insurance policy is a great reminder to sit down and talk with them about how accidents and driving violations can increase an insurance premium. Speak to a qualified Florida car insurance agent to ensure the policy has enough coverage for bodily injury, property damage, and uninsured motorists. AGIC helps parents and teens find the best Florida auto insurance quote that has reasonable deductibles.

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.

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.

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.

Drivers should know they have choices when it comes to making repairs. Some shops will recommend original equipment manufacturer (OEM) parts, whereas other auto body centers will use aftermarket parts. Ask your Florida car insurance agent what your policy recommends for the year and make of your car. Individuals will spend more money with OEM parts, so it is wise to get an estimate before the mechanics and experts start working on the repairs.

“Being without your vehicle can be a very stressful experience,” says Vincent Payne of AGIC Insurance, Inc. in Florida. “We will give you quick access to our preferred repair center so you can get the repairs done efficiently by experts.”

Accident coverage in Florida typically covers for a rental car while the repairs are being done. Repair centers can take care of common dings, including bumper repair, scratch and dent removal, windshield replacements, and other parts replacement. Be sure to mention if any personal property was also damaged in the accident and be able to prove its value by receipts or other legitimate ways. If drivers have pictures of the vehicle and property from before the accident or the scene itself, this will help an insurance agent understand the extent of damages.

“AGIC has taken great strides to partner with repair centers throughout the state that will bring your automobile back to its pre-accident condition,” says Payne. “We want you to get back on the road with full confidence that your vehicle looks and runs well.”

AGIC Insurance has a unique deductible program that allows a driver who’s been involved in an accident to cut their deductible in half by using their preferred provider network for health concerns and auto repairs. They also allow payment plans so that drivers can choose how much and when their auto insurance payments can be made.

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.

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.

“Business drivers will want to make sure they have the right amount of insurance to protect their assets should they get into a bad accident,” said Vincent Payne of www.agicinsurance.com. “Another driver could come after the business’ assets and income when seeking claim monies.”

Florida car insurance quotes will analyze business use, vehicle weight, number of miles driven each year, and individual’s driving records. Tracking mileage will help make the policy accurate and also is a tax write-off. Safety features such as antilock brakes, air bags and antitheft devices will also make premiums more reasonable.

A good Florida auto insurance company will go over not only auto liability requirements, but will give the driver peace of mind for bodily injury coverage, property damage and any additional coverage the business should have.

“We help many small businesses, whether it is just one employee or 100 workers who have business vehicles,” Payne said. “Pickup trucks, SUVs, cars, and vans are great business cars, not just pleasure vehicles.”

A big facet of the Florida auto insurance coverage is the physical damage portion. Business owners will get sufficient coverage for collision, comprehensive, and specific perils. Collision coverage accounts for losses that occur during an accident. Comprehensive coverage is for broader losses. And specific perils cover fire, theft, and other big risks.

AGIC Insurance, Inc. is experienced in assisting business owners and drivers with all their Florida auto insurance needs. They are known for their customer service, great rates, and flexible payment options. And they partner with the Physicians Group to provide outstanding medical care to individuals involved in auto accidents.

To learn more:
http://www.agicinsurance.com
1-877-854-0123

Interest rates, inflation, overall economic activity, financial leverage, and liquidity make up a good part of the analysis Demotech does to give good ratings like this.

“Florida car insurance shoppers want to know that we’ll be here when they need claims honored,” said Vincent Payne of www.agicinsurance.com. “Our strength and integrity allows us to offer car drivers choices for their car insurance and great rates.”

AGIC Insurance is connected with agents that understand a driver’s local needs, desires to keep costs down, and that have the ability to be there for them should an accident happen. Their agents will help clients compare coverage and Florida car insurance quotes. Many policies can vary greatly, so their agents will go through the vital parts of the policy to give their client peace of mind.

“Our A rating also really shows in our commitment to service,” Payne said. “We handle your claims quickly and can provide options if your budget is tight and the bill is coming up quickly.”

Their unique cash payment option allows drivers to drop off payments at more convenient locations with longer hours. AGIC also has an installment payment plan that enables drivers to pick when and how much payment they can make. And if an accident occurs, drivers can slash the hefty deductible payment by using one of their facilities in their preferred provider network. AGIC also partners with the Physicians Group to provide top-notch medical care to individuals involved in auto accidents.

To learn more:
http://www.agicinsurance.com
1-877-854-0123

“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.