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Auto Insurance

Don't Leave Home Without It!

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Auto Insurance

A little Bit of History

The state of Florida encompasses 65,795 square miles and is ranked twenty- second in the nation's total area. It was the 27th state to enter the union on March 3, 1845. Florida was named by Juan Ponce de León, a Spanish conquistador who accompanied Christopher Columbus on his second journey to the New World

Driving in Florida

Take a spin through the Florida Department of Highway Safety and Motor Vehicles online, and be prepared with need-to-know basics, such as obtaining your driver's license, requirements for ID Cards, and vehicle registration.

Auto Overview

Quality auto insurance is a key component of a good financial plan. The right coverage can help safeguard your assets from loss, damage and lawsuits when the unexpected happens. As your We can help you create an affordable auto policy that provides financial security and gives you peace of mind. In addition to the quality coverage and services you normally expect. Have you been carrying the same coverage amounts you’ve had for years? We can help you evaluate whether it’s to your benefit to change them to reflect your current situation. I may also be able to help you save money with auto discounts. Are you a safe driver? Does your teenager have good grades? The answers to these questions and others may save you money. Whether it’s helping to secure your future, explaining new protection and rewards or looking for ways to save you money, I can help you get auto insurance coverage with your needs in mind.

Understanding Your Coverage Limits, Deductibles, and Other Options

Building an auto insurance policy that’s right for you takes more than just understanding what you need to cover: it’s also about how much coverage you may need. These decisions can have a big impact on your premiums. Here’s how...

Let's Start with Your Coverage Limit.

Coverage Limit Your auto insurance coverage limit is the highest dollar amount we’ll pay if you make a claim on a covered loss (that’s insurance-speak for any losses that fall within the bounds of your policy). The higher your coverage limit, the more we may pay, but the higher your premiums will be to obtain that coverage. Lowering your coverage limit is a good way to bring your premiums down and save money now, even if you may need to pay more out-of-pocket later, after an accident. But keep in mind that each situation is unique: be sure to consider your own needs before lowering your coverage.

Summary

The higher you set your coverage limit, the more protection you may have in the event of a covered accident. Alternately, lowering your coverage limit can help you save some money on your premiums.

Eight Tips For The Road Ahead Be Safe, Be Smart On A Long-Distance Road Trip

Whether you’re traveling alone, with a buddy or with your spouse and a car full of kids, there are few things more “American” than the long-distance road trip. Countless vacation travelers will drive the highways looking for fun and making memories with every mile. If traveling down the “holiday road” is in your plans, take the time to prepare for your trip. You’ll have a more enjoyable vacation if you plan carefully. Here are a few driving tips, courtesy of Ellis Insurance Agency

1) Maintain your car. Make sure your vehicle is up to date on its maintenance schedule, and be sure to check the battery and tires.

2) Plan your trip and know where you’re going. Call ahead for proper and safe directions to get you to your destination safely and have maps of the area on hand to help you navigate once you are off the main road. You’re more likely to make good decisions, even in dangerous situations, if you’re clearheaded and know where you’re going.

3) Be alert. Seems obvious, but driver inattention is surely the cause of a lot of accidents. If you stay focused behind the wheel and plan carefully, you will have a wonderful summer road trip.

4) Take precaution with a cell phone. Cell phones can be a lifesaver when you need immediate access to emergency services after an accident. Keep your phone within easy reach and get to know its features. However, use it prudently. Reports suggest that driving while talking on the phone increases accident rates.

5) Wear your seat belt. Whether or not it’s required by law in the state through which you’re driving, always wear your seat belt as a safety precaution.

6) Protect your car against theft. Help deter criminals from taking your car with steering wheel locks, switches that disable fuel or ignition systems, and electronic tracking devices.

7) If you’re in an accident. Taking immediate steps if you’ve been in an accident can protect your family and your car from further damage. Stop immediately and make sure your car is not blocking traffic. Turn off your car to keep it from overheating or catching fire. Warn oncoming cars using road flares or orange triangle reflectors. After you have protected yourself and your family, call your insurance company immediately

8) Make sure your auto insurance is up to date. Before you even leave the driveway, you want to be sure you’re protected when you’re on the road and far from home. An independent insurance agent or broker can provide the personal service and advice you need to travel in confidence.

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