Summer is officially here!! Now it’s off to the beach, lake or pool. Before your family takes the plunge be sure your kids are wearing more than just the proper SPF but also a life jacket that fits them correctly.

Life Jackets Save Lives

Be sure all kids are wearing a life jacket whenever the boat is on the water. The U.S Coast Guard requires all children under the age of 13 years to wear an approved life jacket unless in enclosed cabin or below deck.

Here is a link to both pet and child life jackets that we trust for our loved ones.
http://www.westmarine.com/search?No=210&Nrpp=30&Ntt=Life+Jacket

Looking to protect your boat or watercraft in Florida, contact Most Insurance for a boat insurance quote.

Here are few Boat Insurance FAQs to help you further:

1. What is boat insurance?

2. Is boat insurance required in Florida?

The post Boating Safety appeared first on Most Insurance.

Take a penny and place it in multiple grooves around your tires. If the top of Lincoln’s head is always covered, you have more than 2/32? of tread remaining. If you can see all of Lincoln’s head, it is time to replace your tires.

While you’re checking your tires you might go ahead and make sure your tire pressure is set correct. Not only does this help make sure your tires are able to work appropriately, but proper tire inflation improves gas mileage!

Basic checks like these take just a few minutes and can help save lives. Share these tips with your friends and family to help keep everyone safer on the road.

GET A FLORIDA AUTO INSURANCE QUOTE!

The post The best road trip tips to check your tires appeared first on Most Insurance.

Earlier this year my Home insurance was non-renewed by my carrier. The reason they gave me is they no longer want to insure homes that are a part of a Home Owners Association.  This caused my home insurance to nearly double when I had to find a new carrier, but this is just the start.  Let’s talk about my personal Auto Insurance.

So I have been insured with a great company for a couple of years now, one that we represent here in the office and when I received my renewal paperwork I was shocked to see a 61% rate increase.  I haven’t had any tickets or accidents affect my record. The rate increase was partly due to the fact that my annual auto insurance policy renewed last year right before a pretty large rate increase in my zip code. Then towards the end of last year the company took a second rate increase.  On top of all of these rate changes, they decided to take a different approach to how they use credit scoring and that increased my rate further.

So I did what anyone would do, I went and shopped my auto insurance.  The great thing about Most Insurance is we represent several top of the line Auto Insurance companies and this opened my options for me.

Progressive came back with the second best rate, but I decided to sign up for the Snapshot discount program.  Depending on how well, the time of day, and how far I drive, I can except to get up to a 30% discount on my auto insurance.

Now I’m not expecting to get the full 30% while that would be great, I factored in a 15% discount, and if I’m able to get that Progressive Insurance will give me the best rate.

Last night I got an email from Progressive telling me they have shipped out my snapshot device I’ll update you on how the install goes and how I’m doing.

Wish me luck, I hope to get the full 30% discount.

I’m moving to Progressive Insurance!

The post Many people think we insurance agents get a special deal, but this is not the case! appeared first on Most Insurance.

1. Don’t leave the scene. Keep calm, don’t argue with the other party, don’t accuse anyone, or make an admission of guilt.

2. Call for Medical Assistance, if there are any injuries, do not move a person unless you possess medical or lifesaving expertise, or if left where they are is life threatening.  ie, the car is on fire.

3. Take a picture with your camera phone of the accident, then if it is safe to do, and the vehicles are operable move them to the shoulder of the road and out of the way of traffic.

4. Turn off your engine, and sit as far off the road as possible until the officers come.  Some rubber necking is going to happen, it is common place, often  people are looking to see what happened and they are even Hello more distracted than normal, a second accident could happen from a distracted driver.

5. Call a law enforcement officer.  In many areas, they must be called to get an accident report.  When the officer comes, get their name, badge number and the phone number/address for the station they are assigned to. Ask when the report will be filed and how you can get a copy of the accident report.

6. Read and review your policy.  If you have comp and collision on your policy then you can purchase towing and rental car reimbursement, both of these coverage costs only a couple dollars, and are a wise investment.

7. Don’t accept any offers to settle for payment on the spot without careful consideration.  Often times there is more damage present than what it appears, vehicles are built today in such a manner to crush in accidents to a point to protect the passengers of a vehicle.

Here is a form you can download to help you get all the needed information in the event of an accident.

Know before you have an accident.  For more information on if you have a claim to to make a claim click here

Get a Tampa Auto Insurance quote here.

If you have any other questions please call Most Insurance at (813) 347-5555

The post I was just in a Car accident what should I do? appeared first on Most Insurance.

1. Driving Records of all the drivers in the house
This is a no brainer, but insurance companies like people with good driving records.

2. Where you live
I’m not sure if you new this but Florida, and especially Tampa has a lot of issues with staged accident rings.  Where there is a lot of fraudulent activity going on.  Not only is there a lot of fraud, there are just a lot of people.  The more urban an area you live in, the more likely it is you will be involved in an accident or have a claim.  Orlando, Tampa, and Jacksonville, have a lot of traffic, they all also have Home a lot of accidents.

3. Credit
I hear it all the time, I have a perfect driving record, but my credit isn’t the best, why should I be penalized?  Well insurance companies are great at gathering data, and the data shows that people with better credit, have fewer claims.  Credit matters unfortunately if you like it or not.

4. Prior Bodily Injury Limits
Just like I mentioned before about insurance companies and gathering data, well data shows that people who have had prior bodily injury limits of a minimum of 50/100, have fewer claims. So insurance companies give more discounts to drivers with higher limits. the higher your limits the greater the discount.  I also believe that it is very important to to carry high limits of both bodily injury, and uninsured motorist coverage.

So how do you save on your auto insurance? Well the quickest thing you can To do to help improve the way an insurance company looks at you is to raise your bodily injury limits.

If you would like Most Insurance would be happy to provide you with a Tampa Auto Insurance Quote.  With in a couple of minutes we can tell you what 10 major insurance carriers are thinking about you.  We will also be happy to run quotes for you with what your current bodily limits are, and if they were higher.  It is very easy for us to give you several scenarios.

Eric

The post How to Save on Auto Insurance? appeared first on Most Insurance.

Bob and Pam Most by their 1914 Model T Ford

car owners, have been waging a non-stop war against auto thieves. And despite all claimed the advances in security and technology, the crooks are By still doing well since, according to the FBI, around a million motor vehicles, worth more than $7 billion, are stolen in the US every year.

Add to that the huge number of vehicles that are broken into every and day – and the misery that follows that can range from loss of a few CDs, or an MP3 Player, or GPS  to valuables and personal items that can lead to identity theft – and you get some idea of the scale of this crime.

Furthermore, while Blue you might think the most popular cars to steal are the high-end models, that’s not the case at all. Older sedans from the mainstream manufacturers are the favorite targets, mainly because of the value of their parts. The National Insurance Crime Bureau (NICB) publishes a league table of Stret the most stolen cars, at http://tinyurl.com/car-theft-chart.

As far as I know, no one has ever produced an impenetrable, mass-production auto, (which is one of the reasons we have and need auto insurance!).  However, I do enjoy reading about those security systems that auto-lock Decoración with the thief inside and then either sound an alarm or contact the police. But you don’t have to go down such an expensive route to substantially cut the risk of becoming an auto-theft victim. A few simple precautions can do the trick.

For a start, there are the obvious ones ?????? (but not so obvious that people still don’t do them), like never leaving valuables or identity information in the vehicle and always locking your car, shutting the windows, and arming the alarm. Here are some more ideas to add to you checklist:

• Whenever you can, park in well-lit, busy areas.
• Lock you car when you’re inside, especially in cities and built-up areas.
• Don’t hide your keys (inside or outside the car); crooks know where to look.
• Never leave the engine running while you dash into a store or to an ATM.
• Don’t leave anything on show that could be appealing to a thief.
• Use an alarm system that has a flashing light when armed – it’s a great deterrent.
• If you can, remove knobs or other controls from the radio when you leave, making it less attractive to a thief.
• If you live or park in a high risk area, consider installing an immobilizing device, with a fuel cut-off.
• For more valuable cars (the value is questionable on cheaper cars), install a tracking device and/or subscribe to a tracking service.

It’s worth knowing that crime experts say that around 80% of all vehicle thefts are done by pros and a fair number of these cars are actually either resold or their vehicle identification number (VIN) used to disguise or “clone” another car. So, if you’re in the market to buy a car, the NICB offers a free vehicle history service on its website at www.nicb.org.

There is some good news. The number of stolen vehicles actually seems to be falling. I hope these tips I’ve provided will help you make your contribution to continuing that trend!

Are you getting the best coverage at the best price?  Get a Florida Auto Insurance Quote with 10 major auto insurers right now.

The post Tips to avoid Auto Theft appeared first on Most Insurance.