Insurance news and info

Distracted Driving May Affect Your Auto Insurance Rates in Florida

Driving in your car is when you listen to the majority of their music. With the new technology compatible with our car radios, you have access to tons of radio stations. For decades now, people have listened to music while driving. Do we really know how much music has an effect on our driving? Based on countless research, most car accidents occur due to the driver adjusting the radio.

The real cause of most car accidents is distracted driving by the car radio. Even before the days of Sirius XM, this has been an issue. Over 30% of car accidents that occur in the US are due to a distracted driver. This may be a distraction caused by the radio or even a cellphone.

The chances of an accident due to a distracted driver isn’t going away anytime soon. It is crucial now more than ever to be protected by proper auto insurance coverage. Finding auto insurance in Florida that fits your budget is quite easy. According to, all it takes is a few simple steps.

How To Find Great FL Auto Insurance Quotes

You must determine what type of coverage you would like to receive. Remember sometimes the cheapest auto insurance is not always best for you. It’s always to have more than enough coverage instead of not enough. Remember that when you start shopping for Miami FL auto insurance quotes.

You may also start off by trying to find auto insurance companies that you trust. There are tons of options out there. But keep in mind to check out the company review before signing on the dotted line. Be sure to read up on the policies offered. Be sure to understand what is and isn’t covered by your policy too. A basic and midrange policy is usually the most popular choice among drivers.

While shopping for FL auto insurance, you will need to consider your price range. This is where quotes come into play. By collecting and comparing different quotes, you will see which policies will fit your budget. Therefore eliminating policies that don’t fit your budget or coverage needs.

If you are looking for affordable Florida auto insurance look no further. You should start off by collecting your quotes at If you want fast and free quotes that fit your budget, definitely start off at Florida Insurance Quotes. Thousands have received their quote there and refuse to shop elsewhere.

Why Florida Motorcycle Insurance Quotes Are Easy To Find Online

Anyone who owns a motorcycle needs motorcycle insurance. Why? You can’t own and drive a vehicle like a motorcycle without some sort of protection in play. Motorcycles and other two-wheeled vehicles are especially prone to accidents and other detrimental occurrences. So, it’s much safer to secure a good insurance policy to protect yourself and your bike when on the road. 

The Case for Florida Motorcycle Insurance

It’s, in fact, required by law for motorcycle owners to have some type of motorcycle insurance. This type of insurance, naturally, protects you and your motorcycle in the event of any loss. Many Florida motorcycle insurance policies typically cover motorcycles, in addition to scooters, mopeds, snowmobiles, ATVs, and even golf carts. 

Even if you also have a homeowner’s policy, motorcycles and other recreational vehicles aren’t at all covered by them. Some homeowner’s policies, however, may have some coverage options for ATVs and golf carts; that’s something generally offered depending on your insurance provider, though. 

Florida motorcycle insurance covers just what you would expect with a robust vehicle insurance policy according to Most motorcycle insurance policies generally cover the following: 

  • Property damage and bodily injury liabilities. 
  • Uninsured motorcyclists. 
  • Medical pay. 
  • Collision and comprehensive insurance options. 

Naturally, many FL motorcycle insurance policies, particularly in Florida, have additional insurance coverage options known as specialized insurance options. These can include coverage for total loss replacements, accessory coverage, rental vehicle coverage, transport trailer coverage, trip interruption coverage, and even coverage for roadside assistance and other emergency services. 

Many specialized motorcycle coverage options in FL help people cover themselves and their vehicles in the case of a loss or other detrimental situation involving their motorcycle. These options simply give Florida bike riders more options to protect themselves and their vehicles, especially if something happens to them on the road. 

You, Your Bike and Motorcycle Insurance in FL

It’s said that actually investing in a good motorcycle insurance plan is considered ‘invaluable,’ and that’s more true than you think. 

Though, the thing is, motorcycle insurance in Florida is actually considered more likely to be expensive than your standard car insurance policy. Since motorcycle insurance is a type of specialized vehicle insurance itself, it’s only natural that it costs more than standard car insurance. 

Florida motorcycle insurance is actually a completely separate insurance policy when compared to car insurance. In fact, you can’t actually use car insurance to cover your motorcycle, since motorcycles and other recreational vehicles are a completely different ‘breed’ of vehicles that have specialized needs that are different apart from that of a standard car. 

Motorcycle insurance can automatically cover damages to your motorcycle, in addition to providing you with adequate personal injury protection that helps cover you for any sustained injuries from any potential motorcycle accident. The range of motorcycle accidents that are usually covered by motorcycle insurance, according to, include minor accidents to more severe accidents that can and will cause you to pay expensive repair and hospital bills. 

The chance of experiencing a costly motorcycle accident is too high, so you can’t just regularly use a motorcycle without motorcycle insurance in place. Although there are many great bike routes to take in Florida, you can’t enjoy any of that road without a ‘safety net’ for you and your bike. That very safety net includes benefits like: 

  • Immediate coverage for damages to your motorcycle.
  • Immediate coverage for personal injury. 
  • A sense of security when riding throughout the state of Florida. 

So, Florida motorcycle insurance is valuable and it is needed for any serious motorcyclist in Florida. Not only will having motorcycle insurance give you peace of mind, but it will keep you safer on the road—even if you don’t think you need it. 

The Cost of Motorcycle Insurance in Florida

Did you know that motorcycle insurance is considered more expensive than car insurance? There’s a big reason why motorcycle insurance gets much more expensive than your average car insurance policy. 

Many motorcycle insurance providers in Florida actually explain that it’s much riskier to drive a motorcycle, hence the requirement of all bikers needing motorcycle insurance. Although standard motorcycles cost less than cars, they have an ‘increased likelihood of causing the driver to experience an accident.’ 

Though, just because they’re expensive, it doesn’t mean that they’re unattainable. You can easily find affordable Florida motorcycle insurance via a Florida motorcycle insurance quotes website on the web. You can also research the different insurance policies out there—and learn what parameters can actually make a standard policy rise. 

As an example, the safety ratings assigned to motorcycles can actually influence the price of their corresponding policy. So, bikes with great safety ratings end up costing less to insure, while bikes with lower safety ratings cost much more to insure. 

Also, motorcycles are actually a lot more prone to theft than most bikers think. Thanks to this, many motorcycle insurance providers will actually take into consideration the ‘likelihood of theft’ against the type of motorcycle that you have. In other words, bikes that are more likely to get stolen will cost more to insure. 

Keeping FL Motorcycle Insurance Costs Down

Not every biker in Florida is destined to carry an expensive insurance policy. Although motorcycles are prone to more accidents and unfortunate situations, bikers like yourself can still find a policy that covers all of your needs—on the road—without the exorbitant costs. 

The best thing you can do for your FL motorcycle insurance policy is, well, stay a safe driver. It’s no secret that many people who have relatively ‘inexpensive’ motorcycles and even car insurance policies drive much safer than people who don’t. 

That brings us back to policies themselves. As long as you use online website tools to generate Florida motorcycle insurance quotes, you can potentially find insurance rates that fit the type of motorcycle that you currently drive. 

There’s nothing wrong with using the Internet to help you find the FL motorcycle insurance quote of your dreams—and, you can even use that same information to have your motorcycle insurance provider provide you a better insurance rate! 

If you currently drive a motorcycle in Florida, you are required to have some type of motorcycle insurance to cover your vehicle and yourself, in the case of an accident or other unfortunate occurrence. So, it’s not a matter of why you need motorcycle insurance in Florida, it’s a matter of making sure you know exactly why such an insurance policy is important.

Homeowners Insurance Quotes Florida Residents Voted #1

Homeowners insurance Florida quotes are easy enough to come by, especially online, but how do you know which ones are the best rates for the coverage, and how can you be sure that you will get that rate and coverage when you sign the contract?  Some agencies provide incomplete quotes just to entice customers.

The truth is that nothing beats meeting your would-be agent face to face.  While there are comparison sites that will scrape information from dozens of insurance companies at once for you to compare, they actually send your private information to all of those companies!  Worse yet, many sell the information you enter to other companies that have nothing to do with insurance and have no business with your personal information. According to, online privacy should not be your only concern.

Customer Service

Large insurance companies might pass your account through numerous agents, and they have entire departments dedicated to handling phone calls and online queries.  You might have to speak to several operators, secretaries, and agents before getting to the person you need. More than just being impersonal, it means that you could end up allowing any number of people access to your sensitive information, and making the simplest inquiry becomes a time-consuming chore.

While these companies do have rigorous screening processes, you are not dealing with one company, but several, and several employees within each of those companies, as you are passed from automated service to operator to secretary to the agent.  A simple inquiry about the homeowners insurance Florida quotes you got online could lead to several phone calls, return phone calls, ticket numbers, and who knows how many agents.

What’s the Best Method?

The best method involves a little bit of all of the above: First, go online and research policies to learn more about the coverage you need.  Then, search for area homeowners’ insurance agencies, note which ones can meet your needs, and check their online reviews.

Once you have narrowed your list, call and ask for an in-person appointment with an agent.  Take your list of concerns with you, and treat it as an interview – because, in a very real way, you are hiring an insurance agent!

Florida homeowners insurance quotes found online here or over the phone leaves little to be desired.  Even if you do not end up working with the same agent you speak to when you first get your coverage, you will know that you picked the right company.