Cape Coral Ranks # 1 in Florida on 2013 Best Driver Report

Written by Brian Culbertson
August 28, 2013

he Allstate Insurance Company today released its ninth annual “Allstate America’s Best Drivers Report®.” The report, based on Allstate claims data, ranks America’s 200 largest cities in terms of car collision frequency to identify which cities have the safest drivers.

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5 Times When You Might Consider Not Filing an Auto Insurance Claim

Written by Brian Culbertson
July 02, 2013

If you’re in an auto accident with another car or if you have a passenger(s) in your vehicle, then it is in your best interest and our recommendation to open a claim. There could be long-term health impacts for the drivers or passengers that would be covered under your insurance policy. If there is a chance someone else in the accident could claim they were injured, you should file the claim to protect yourself from an injury lawsuit.

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I've Been in an Auto Accident: Now What?

Written by Brian Culbertson
May 23, 2013

If you've never had an accident, chances are you will someday. Now I know we are all great drivers in Southwest Florida and never expect to be in an accident, but as an insurance agency our mantra has always been hope for the best, but prepare for the worst.

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Standard Versus Non-Standard Auto Insurance

Written by Brian Culbertson
May 07, 2013

Many times I am asked "what is the differences between standard and non standard auto insurance in Florida". The main difference between standard and non-standard auto insurance is the forms they are written on.

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10: Insure Your Car on a Family Plan

Written by Brian Culbertson
October 25, 2012

We have saved one of the very best ways to save money on your car insurance for our last eBook tip! Family Plans are one of the most common discounts in the auto insurance world. Almost every insurer has some type of family plan. By adding multiple cars and drivers together on the same policy, you can save money overall.

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9: Take Advantage of Group Discounts

Written by Brian Culbertson
October 04, 2012

Check to see if any of these groups have made arrangements with an insurance agency for group discounts. Many of them have! Group rates are a way for insurance agencies to find new business by giving preferential treatment to members of certain organizations. It’s a great way for you to save money on your auto insurance without doing a thing.

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8: Reduce Your Coverage

Written by Brian Culbertson
September 13, 2012

How long has your current car been under the same insurance policy? Five years? Ten? You may have forgotten that as your car gets older and decreases in value, you don’t necessarily need to be paying as much as you would for a new car. Depending on the age of your car and your personal circumstances, you may want to reduce your coverage to save money on your auto insurance. For collision and comprehensive coverage (see Tip #5 for definitions), you really need to examine the replacement value of your car.

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7: Drive a Safe Car

Written by Brian Culbertson
August 23, 2012

Your insurance company knows that if you are driving a safe car, there is less risk that they will have to pay out for major claims. Your car insurance policy will be priced differently depending on:

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6: Decrease your Auto Deductible

Written by Brian Culbertson
August 02, 2012

Many people never think about – or change – their auto insurance policy, despite the fact that life circumstances may change over time. For some people, it makes more sense to keep a low deductible on their car insurance, but for others, it would be wise to increase the deductible.

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5: Know the Types of Coverage Available

Written by Brian Culbertson
July 12, 2012

If you aren’t already familiar with the common terms in auto insurance, now is a good time to learn. When you understand what type of coverage is available in different insurance policies, you will be in a better position to decide how much you need. Arm yourself with this information and you may be able to save money on your policy! Your auto insurance policy is a contract between you and your insurance provider.

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