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Only your insurance agent can go over your current policies and compare it to your life situation and help you to make that judgment call. Here are a few things that come into play in the factorization.
Car Insurance Factors to consider
-Make sure that you are covered for at least the equal amount of your car’s total blue book value. You want to be able to replace it should the worst happen.
-Remember that when claims against your policy, for yourself or for another injured or damaged party, exceed your policy limits the cost falls to you out of pocket and if you cannot come up with it, a suit may be filed and a judgement found against you damaging your credit for a minimum of 7 years. Make sure that you are covered for a dollar amount equalling your assets (your house, your car, savings, investments, any property you may own so that leans are not placed against your property).
-When it comes to PIP (personal injury protection) insurance while it is important to be able to pay for doctor visits should you have an accident, paying extra for extra coverage if you already hold a health insurance policy may not be necessary?
-There are, unfortunately, here in Florida, a lot of uninsured drivers. Florida is a very transient state. If you are hit by someone with no insurance it is worth it to have coverage for uninsured motorist.
-Check your deductible. While carrying a $0 deductible is lovely and at the time of an accident, very convenient, but over the years how much extra have you paid in? Ask your agent to play with the numbers and see what a higher deductible could save you monthly and yearly. Let them help you determine if it is worth the savings in your case.
If you are in the Fort Myers | SW Florida area and looking for the best rates for insurance, auto, home or business, we would love the opportunity to work with you and get a quote customized to fit your life and needs.
Visit www.cisinsfl.com or call us at 239-247-5125.
I have found Chris to be extremely knowledgeable on Community Association insurance requirements and he has successfully presented proposals that provided better coverage and lower premium than the incumbent agency. His active involvement in assessing the Insurance needs of Communities managed by this firm has been an asset for both Moore Property Management and the purchasers of the insurance.
Chris Boston is our agent at Centennial. He does excellent work and always strives to save our association money. He always responds to emails. I highly recommend Chris and Centennial.
Chris Boston is Your Agent! I own a small condo development on Manasota Key and had been with the local insurance company for 14 years. This is my second year with Chris. He works very hard to get the best and lowest cost policies and is always responsive. I have saved substantially because he took the time to get to know the property and cost savings that were available. It’s all about customer service!
Its nice to have your expectations in a business not only met but exceeded! Centennial Insurance provided us with professional, friendly & effective service.