Florida Auto Insurance Estimate
May 9, 2014
When shopping around for a Florida auto insurance estimate, it just makes sense to want to get the best insurance estimate possible. You don’t want to find yourself in the position of not knowing what’s going to happen in the aftermath of an accident. Whether you’re purchasing a new car or moving to the state of Florida, the subject of Florida auto insurance demands serious attention. However, that doesn’t mean you should jump into bed with the first company that comes along. Your best bet is to go here and get a free quote online. Then you will have a better idea what to expect moving forward.
Determining Your Auto Insurance Estimate
How can you make sure that you get the best Florida auto insurance estimate possible? Several things go into the creation of the quotes you’re going to get while researching your opportunities, but there are also things you can do while looking at companies. One of the most important things to remember is that each auto insurance company in Florida weighs determining factors differently.
It’s also in your best interest to keep in mind that Florida auto insurance is mandatory. The set minimums for the two types of insurance (Personal Injury Protection and Property Damage Liability) is ten thousand dollars. However, most people prefer to go with more than just the set minimums. It’s entirely your choice to make.
While it makes sense to want to have your auto insurance needs taken care of quickly, that still doesn’t mean you should choose the first Florida auto insurance estimate that comes along. There are several reasons for this:
- You don’t want to wind up with a company that scores pitifully in terms of overall customer service. When you have a question about your existing coverage, and you find that you can’t even get your agent on the phone, you’re going to wish you had spent a little more time on the selection process.
- You don’t want to get stuck with a company that’s quite frankly out to rob you blind. Thankfully, the state of Florida has a fantastic online resource for all insurance-related matters (auto/home/etc) known as the Florida Office of Insurance Regulation. This website can help you to only even consider companies that are established and have a good-or-better reputation. A company you see an ad for online or on TV may indeed turn out to be the one that gives you the best Florida auto insurance estimate. Even so, you don’t want to accept the promises of a Florida auto insurance company on the strength of face value alone.
- You definitely don’t want to trust a company that has a terrible reputation with its claims process. In the unfortunate event of an accident, several things are going to be running through your head. One of those things should not be whether or not your auto insurance provider is going to process your claim quickly and efficiently. Some hiccups can’t be helped, but your claims process should nonetheless be as smooth as it can possibly be.
Pick The Best Estimate
Choosing the best Florida auto insurance estimate certainly isn’t impossible. It simply involves a careful eye for details and a little straightforward research.
Mendota Insurance Company
March 4, 2014
Mendota Insurance Company has been in the business of providing quality insurance since 1989. In order to drive you must have automobile insurance to protect your investment from all the hazards that you face when you venture onto the road. Mendota Insurance Company is there to customize a plan to fit your exact needs. No two drivers, families or situations are the same so Mendota works with you to develop exactly the plan you need for your situation. Besides auto insurance Mendota Insurance Company also provides flood insurance. You never know when catastrophe could strike and your home could be flooded. Mendota can help to protect your home in the event of a flood.
Customer service is key
Mendota Insurance Company knows that your time and your assets are both valuable. We strive to always be available when you call by having multiple agents available with very low hold times so that you can contact an agent quickly. Our agents are all professionals who can answer your questions knowledgeably and quickly. All of our policies are competitively priced and there are many convenient options for you to pay for your policy. We offer 24/7/365 availability when you must file a claim. Accidents never happen at convenient times so it’s nice to know that you will have prompt service if you need to file a claim. A toll free number is available if you need to contact customer service.
If you prefer to work online our website allows you to quickly quote a policy by entering all key information. When you have a policy with Mendota Insurance Company you can manage your policy through our online system. Our system allows you to review your policy, see payment history, view claims and even set up email notifications so that your policy does not lapse inadvertently.
We all need insurance in order to legally drive our cars but insurance offers more benefits than avoiding a ticket. When you get a policy tailored to your specific needs from Mendota Insurance Company you can rest assured that it will meet your specific needs. Mendota can even help you to obtain insurance if you have been denied insurance from other companies. No matter what your situation Mendota Insurance Company can customize a plan for you.
Buying a home can be difficult but if you must have flood insurance in order to complete the purchase then it’s good to know that Mendota Insurance Company is there to help you get the policy that will work for you. Our agents are knowledgeable in all the requirements you must meet in order to buy flood insurance for you home. They can help you to navigate the paperwork and elevation certifications that you will need to complete.
Mendota Insurance Company is an experience company that is financially backed by Kingsway Financial Services. With this backing you know that they will be there you in the event of an emergency. Mendota’s expert agents can customize an auto or flood insurance plan to meet your specific insurance needs.
Florida boat insurance
January 22, 2014
Absolutely everything you need to know about Florida boat insurance
Each and every single year, hundreds of thousands of boat owners need to make the decision on purchasing Florida boat insurance from a company like YourFloridaInsuranceQuotes.com for their ocean going or water going vessels – into terribly many of them do so as a sort of “go with the flow” kind of decision-making process.
The very last thing you’re going to want to do is spend a ridiculously short amount of time on this decision. After all, we’re talking about one of the biggest investments you’ve ever made here, and if you have cutthroat or cut rate Florida boat insurance and something happens to your boat you’re going to feel every single pinch from then on.
There are a tremendous amount of different Florida boat insurance plans out there, and you’re obviously going to need to make sure that you have invested in the one that suits your vessel, suits your lifestyle, and suits your budget – but there are a number of other things that you need to focus on as well.
Hopefully this quick guide gives you the kind of inside information you need to invest in the right boat insurance before you make a disastrous decision, the kind of boat insurance that can protect you from almost any issue that could arise.
Let’s dive right in!
Ask your boating buddies what they use for insurance – especially those that have had to place an insurance claim
One of the best (and frequently uncapped) resources for Florida boat insurance information would have to be the people that you see down on the docks a when you are about to toss off the bow line.
These boating buddies obviously have had to purchase Florida boat insurance for themselves in the past, and they will be able to point you in the right direction. It’s especially good if you can speak with boat owners that have had specific insurance for years and years (a decade or more is even better), but the best resources are going to be those that have had to place an insurance claim in the past.
Not only are you going to get an idea about the elite levels of protection offered to Florida boat owners from those people that have had to make an insurance claim, but you’re also going to know which companies stood by their client and provided them with the protection that they had been paying for – and which companies you should avoid like the plague.
This is the kind of “inside information” that you simply would not have had access to otherwise, the kind of information that is all but impossible to receive unless you are talking to real people, with real experiences, that are more than happy to help.
Don’t be afraid of asking your boating buddies about their Florida boat insurance and their boat insurance experiences. You may be shocked and surprised at the answers that you receive, but that’s much better than being shocked and surprised at other response from the boat insurance you paid for.
Customer service is absolutely critical when selecting a boat insurance company
Though you’ll obviously want to look closely at the boat insurance policy and the amount of money that you’ll need to spend to protect your investment, you also need to look closely at the caliber of people that the insurance company has hired.
Frequently, when you are just getting ready to sign on the dotted line – and before you have become a client – you will be exposed to the bright shining stars of a company, only to be shown the “less than stellar” support staff when you need to make an insurance claim.
This is just human nature, with companies wanting to put their best foot forward so that they are represented in the best possible light, but it certainly is (at least a little bit) deceptive as well.
Don’t be afraid of mystery shopping your Florida boat insurance company the for you sign on the dotted line, acting as though you had a claim to make just to dry run the support staff and see how they would treat you if you had issues down the line.
Sure, this is a little bit deceptive as well, but it may end up saving you thousands and thousands of dollars (hundreds of dollars, even) in the future – and it’s a little white lie that you should be more than comfortable moving forward with.
Reputation is absolutely everything
The other thing that you’re really going to want to focus on when you investing in Florida boat insurance is the reputation in the boating community for that insurance company.
Obviously, you’re going to need to wade through the more disparaging remarks about insurance in general – there aren’t too terribly many people that jump for joy when they get to make an insurance payment – but if you can stay on the level you are certain to talk to people that have glowing things to say about specific insurance companies.
Not only should you be paying attention to the great reputations that some companies hold in the Florida voting community, but you should be paying a special amount of attention to the insurance companies in this same community that don’t have the same kind of high marks, if you will. These are the companies that you should do absolutely everything in your power to avoid at all costs – less you get burned in a similar fashion.
Florida boating insurance can feel like a bit of a challenge to invest in, but it’s one of the smarter decisions you can make. Obviously, you’ll want to take just as much time as humanly possible to make the right decision – but don’t be afraid of pulling the trigger when you stumble upon that elite level surface or plan.
Paying close attention to the information above, going with your gut, and working through as much research and due diligence as possible is going to give you the very best chance of success moving forward.
Florida’s Unique Insurance Risks
October 14, 2013
Florida’s Unique Insurance Risks
When it comes to deciding on what you need as far as insurance it can be a challenging process. What is a person who wants to get Florida insurance quotes supposed to do other than contact an online company like http://yourfloridainsurancequotes.com? Insurance is built on the fact that you will be covered during an accident, or illness. Since insurance companies keep the doors of their businesses open by helping people during tragic events, it stands to reason they want to define some of these tragedies. They want to limit the risk. There is a balance between being able to help your fellow man and being able to manage the larger pool of money. It isn’t an infinite amount and if everyone that walked through the door with a sniffle walked out with a $500 dollar check, then soon the pool would be tapped out. The next person that walked in with a totalled car and an extended hospital stay would be out of luck. The insurance agent gave away the last $500 dollars to the person with the cold. But how does the company figure out how much money they are going to pay on an event and to whom? It all boils down to the laws of probability applied to a group setting.
From Buttons to Medical Bills
John Graunt (1620-1674) was a London salesman who serviced the different textile companies by selling buttons, drapes and notions. This left him ample time and while he was teaching himself Latin and French another document caught his attention. It was the Bills of Mortality- a weekly census of the people who died from parish to parish. What Graunt did was to compile these data sets into tables, eventually compiling it into a small 85 page book (Livio, 2009). Although crude at the time, he was able to, for instance, catalogue sixty-three diseases and casualties listed in a table. He did more than simply catalogue. He was able to put down the average amount of births from parish to parish. He used the basics of statistics to document how different tragic events (death) may have been related to region, time of year, or gender.
This first attempt gathered the interest of scientists and developed into a full blown area of mathematics where a person can study to become an actuary. A modern actuary takes the more advanced steps in mathematics to develop risk assessments for the insurance industry. So with those risk assessments, the insurance companies then set rates, or premiums as to what they will insure. How much they pay depends on the risk and your premium.
Tampa Flooding and National Crisis
A case in point is the extreme rate hike in flood insurance that many Florida residents may have to pay due to the national crisis. Flood insurance has always been a specialized insurance that protects property owners from an “Act of God” -helping them cope with a catastrophe. The challenge is that the larger the event and more risk the insurance company takes, the more money their consumers have to put in. For instance, many states now require by law people to have car insurance. If someone calls for Florida insurance quotes on that one, they aren’t going to like the price, but at least they have many, many people paying into the pool of money that covers the accidents. This lowers the premiums for the entire group.
Flood insurance may be required by the lender of a house in a certain area, but that is by no means everyone in the state, such as is the case with people driving cars. On top of that, more and more disasters in the news, such as Hurricane Sandy, have given the actuaries a run for their money. Catastrophic flooding has been seen in places never before experienced, such as New York and New Jersey. The answer from the companies? Rate hikes could range from 10-20%. Put another way, people say that translates for Florida residents into rate hikes that make them pay three times the amount of people in New Jersey. (TampaBay Times)
Government and Gurneys
The ideas of insurance have come a long way since Mr. Graunt was simply cataloguing what diseases were prevalent in his area. A reality for anyone getting Florida insurance quotes is the fact they have to deal with the shifting landscape of health care. The first major push for health-care insurance in the United States was in the 1920’s at BaylorHospital in DallasTexas. They generated a pre-payment plan for people who would need their services. During the Depression this model became more popular among hospitals that wanted to generate more revenue. One other important element developed in the 1930’s. Because of the severe economic crisis welfare programs developed and the government stepped in to protect the most vulnerable. It wasn’t a new idea. Otto von Bismarck the Chancellor of Germany set up similar programs in the 1880’s even when Germany was not in a place of crisis.
When you fast forward that to this epoch it means that the beyond just risk assessment, insurance companies contend with government regulations. An elderly person calling for Florida insurance quotes has host of other questions to ask and get answered because of the regulations around Medicare and Medicaid. If a person ends up in a hospitalized situation, there are even tighter regulations around the types of medical equipment that may or may not be covered. To compound that, government officials are struggling over all the new changes and each chance directly impacts an elderly person’s ability to get the care they need.
Florida is the Sunshine state and it’s a great place to be. For many people trying to get insurance, they need to examine their own needs and find products that suit their lifestyle so they can keep basking in the sun.
Livio, M. (2009). Is God a Mathematician New York: NY, Simon and Schuster Inc.