Tag Archives: Florida Car Insurance

11 Protect Your Business with a Distracted Driving Policy.

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Employees who drive during the course of their work may also drive up their employer’s risk factors if they fall prey to distractions behind the wheel. The 2017 Travelers Risk Index indicates that 30% of all businesses worry “a great deal” or “some” about distracted driving putting their company at risk. Yet, the data provides that 27% of employees who drive in the course of their work say their boss has called and/or texted even though their boss knew they were driving.1

Considering the potential dangers and costs associated with vehicle accidents, distraction caused by mobile device use is a key problem for employers to address. However, according to the Travelers Risk Index, only 27% of employers reported having a formal policy on distracted driving that was strictly enforced.

A clear distracted driving policy can help to improve driver safety and the safety of anyone that may be involved in a distracted driving accident. Here are four steps to help make your distracted driving policy more effective:

  1. Create – Create a formal, written policy stating your organization’s position on mobile device use while driving. Consider other distractions as well. A formal policy is the foundation of your distracted driving prevention program. It should apply to everyone in your organization who drives a vehicle on company business, whether they drive a delivery truck, a sales vehicle, or use a personal vehicle to run office errands.
  2. Communicate – To be most effective, safety policies should be communicated on a regular basis. Have every employee who drives on company business acknowledge in writing that he or she has read, understands and will follow the policy. But don’t stop there. Use emails, newsletters, bulletin board postings, driver training and signage in vehicles to communicate your policy in various ways throughout the year.
  3. Follow – Managers and office staff should lead by example. Let employees know that while they are on the road, no phone call or email is more important than their safety. To further prove that point, managers and other staff need to refrain from calling or texting employees until they are safely parked.
  4. Promote – Managers are in the best position to promote safe driving practices and the expected behaviors of those that drive for any business purpose. They can take steps to understand who is following these policies, and actively reinforce the desired behavior.

11 How to Save Money on your Florida Car Insurance

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LNC INSURANCE PROVIDERS Offers Tips to Help You Save on Car Insurance

The following tips are the top 10 ways to save money on your Florida Car Insurance.

FLORIDA - Purchasing the right Florida Car Insurance can at time seem confusing. With so many options available, deductibles to choose from, even seasons car owners can sometimes lose track of how each option can affect the overall cost of their premiums. The good news is that we can show you some simple tricks that can enable you to get the most for your money, save on your auto insurance and feel confident you have adequate coverage.

LNC INSURANCE PROVIDERS, a leading insurance agency of auto and homeowners insurance, offer these tips to lead you in the right direction when you purchase your car insurance.

  • Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
  • Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
  • Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
  • Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
  • Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.
  • Insure more than one car with the same company, and you may be eligible for savings.
  • Insure your car and home with the same company. You could save money if you have more than one type of policy with the same insurance company (for example, an auto policy and a homeowner’s policy). The more good business you give the company, the more valuable you are as a customer.
  • Look for low-mileage discounts if you car pool or do not put a lot of miles on your car annually.
  • Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
  • Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering.  A consumer protection magazine can be very useful or check car sites on the Internet.

Save Money on Car Insurance

Call us now to find out how: 888-913-6988


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We are one of Florida's leading Family Owner and Operated Insurance Agencies - Established in 2006

LNC INSURANCE PROVIDERS is an independent insurance agency offering a full range of insurance products including AUTO, HOME, COMMERCIAL, BOAT, MOTORCYCLE, ETC.

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11 Why do Tampa Drivers Pay the Highest Auto Insurance Rates

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In Florida, Tampa Leads the Way

The overal trend for Florida car insurance has been going upwards in recent years as Florida drivers are getting themselves into more and more accidents. No-where has this trend been so evident than in Tampa.

In 2016, car insurance premiums rose by 14 percent throughout the sunshine state.

Car insurance rates are dependent on a number of factors, including location. Drivers living in cities are paying more for their car insurance policies than those living in rural areas. According to statistical data, traffic density in urban population is responsible for more accidents than in other areas. And it's not just the sheer volume that causes more accidents: speed is another consideration as drivers tend to drive faster on highways. Traffic, speed and the increasing number of cars on any given road system is a sure formula for an increase in car related accidents, collisions etc.

Why are Tampa car insurance premiums on the rise?

While it is impossible to give a definitive answer to this question, here are a few factors to consider:

  • Population growth
    More and more people live in Florida.  In Tampa alone, the population grew to 3 million residents in 2016 adding over 60000 residents through migration and natural increases. More people means more drivers and this increase is one of the reasons why the cost of car insurance in Tampa is currently the highest in the state.
  • The Role of PIP
    Personal injury protection (PIP) to the tune of $10,000 has been mandatory in the state of Florida. Introduced to cover minor accidents claims (regardless of who is at fault) PIP is seen as one the reasons why insurance premiums have gone up in recent years.
  • Agressive drivers
  • Older drivers
  • Hit and run incidents
  • Uninsured drivers

Whether you live in Tampa, or anywhere else in Florida, you can avail yourself of the most affordable car insurance, without having to compromise on quality, by contacting  L & C Insurance Providers. Our mission is to always be one step ahead of our competitors in terms of knowledge and experience.

We specialize in Florida car insurance and stand ready to help you.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate.  Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Make sure you're protected

The value of professionaly written auto insurance is often realized after an accident has occured. Don't leave it until it's too late:


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Organized Crime

A worrying in trend in Florida (and other states as well) is the increasing number of staged automobile accidents. This particular challenge is so unique that we've decided to list as a separate paragraph in this article.

A staged automobile accident is one in which organized criminal groups maneuver unsuspecting drivers into crashes so that they might make insurance claims. These crashes are literraly "manufactured" and the perpetrators make money by submitting claims which then have a direct effect in premium costs.

Staged accidents can take many forms, four of which are very common:

  1. A vehicle overtakes you, drives into your lane and jams on the breaks causing a rear-end collusion. Some criminals take this scenario to the next level by simulating neck or back injuries caused by these collisions. Large injury and collision claims are then submitted against your policy.
  2. As you begin to merge into traffic, you are encouraged by a "benevolent" driver who appears to slow down and then waves for you to move forward. As you drive into the space you think has just been vacated, the said driver then accelerates in crashes into you. This scenario can also take place in parking lots.
  3. You are driving in the inside lane, and as you turn left, inadvertently drift closer to the lane on your right.  That is all the encouragement a dishonest driver might need to ram right into you.
  4. You are a the scene of an accident and are approached by an individual who then requires that you take him or her to a medical faculty for treatment, or to a shady lawyer for assistance. 

A small bent becomes takes a life of its own: These staged accidents often times result in limited damages but submitted claims indicate otherwise and describe situations which do not reflect the reality.

Texting While Driving

Our cell phones have changed our lives. We are living in an era where the average person could not possibly envisage a life without one of these devices. Technological advancements have been such that cell phones have become part and parcel of our daily lives.  They can also cause serious accidents that often result in very serious injuries and even fatalities. 

If you text while you drive, not only are you endangering your own life but that of your passengers and innocent by-standers.

Accidents caused by drivers who text while driving cause insurance premiums to rise as well.

 

Cost Comparison: Florida Auto Insurance
(You can sort both the cities and costs columns in the order of your choice)

Cities Cost
Jacksonville $575
Miami $675
Tampa $719
St. Petersburg $703
Orlando $402
Hialeah $709
Tallahassee $389
Fort Lauderdale $601
Port St. Lucie $574
Pembroke Pines $589
Cape Coral $398
Hollywood $599
Gainesville $323
Miramar $563
Coral Springs $585
Clearwater $489
Miami Gardens $609
Palm Bay $369
West Palm Beach $405
Pompano Beach $458
Lakeland $409
Davie town $485
Miami Beach $602
Deltona $501
Plantation $558
Sunrise $575
Boca Raton $502
Largo $425
Melbourne $405
Palm Coast $385
Deerfield Beach $485
Boynton Beach $501
Lauderhill $552
Weston $542

How can I lover my Florida auto insurance premium?

The first step you can take right now to get you on your way to a more affordable insurance policy is to call us:

 

An auto insurance policy in Florida is determined by where you live, and what you want your policy to cover. A clean driver's license and good driving history will usually be in your favor when looking for better deals. Some cars are more expensive to ensure than others. For example, sport cars can mean higher premiums as they are considered to be in the higher risk bracket.

Raise your deductible to keep your monthly premium manageable, but do remember that these deductibles are due upon repair.  The higher they are, the more money you will have to pay to honor your part of the deal.

Obtaining multiple coverage through the same insurance agency, for example Florida Homeowners Insurance and car insurance might also lower your monthly premiums.

11 Florida Auto Insurance – Get The Facts

FAQs | Car Insurance No Comments

Florida Auto Insurance

If you are in search of an affordable insurance that fits your needs, then look no further than LNC Insurance Providers. When it comes to auto insurance, there is no reason to compromise safety with the notion that quality is too expensive and therefore beyond reach. We know Florida Auto Insurance and of course, we offer outstanding value for money. But more importantly, our customer service is second to none in the Florida market, and the value we provide our customers, more often then none, far surpasses the expectations of our customers.

We specialize in affordable auto insurance that do not sacrifice quality for price.

The Starting Point

If you own a car in Florida, the state requirements dictates that you should carry at least $10,000 of personal injury protection (PIP) and another $10,000 of property damage liability coverage.

This is the starting point. You are, by law, required to carry Florida Auto Insurance with, as a minimum, the most basic property damage liability coverage for any accident in which you are fault. Florida law does not require bodily injury liability coverage which of course means that in the even of an accident in which the other driver incurs accident related medical expenses, you will be entirely responsible these expenses.

Making sure that you have the right car insurance means that you have to be aware of up-do-date state requirements. Car related accidents can be really expensive and having the basic, legally required coverage, does not, in any way, offer nearly enough protection for yourself or your family. From legal regulations to common coverage requirements, L & C Insurance Providers mission is to always be one step ahead of our competitors in terms of knowledge and experience.

Florida Car InsuranceWhether you are in the market for a new Florida car insurance policy or you would like a professional to review an existing policy, Liz Fernandez and her team, at L & C Insurance Providers will be only too happy to help.

L & C Insurance Providers in Florida shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free.

That's the L & C Insurance Providers Insurance promise.

Make sure you're protected

The value of professionaly written auto insurance is often realized after an accident has occured. Don't leave it until it's too late:


Get a quote

What you need to know if you drive in Florida

  • 24% of drivers in Florida are uninsured. Nationwide, this number is 12%
  • An uninsured motorist coverage offers protection from damages caused by uninsured and hit and run drivers
  • Digital insurance cared are accepted. Providing proof of coverage with your smartphone to a police officer who's just pulled your over is perfectly legal
  • Florida is a no fault state, requiring that drivers carry their own protection. This means that when an accident happens, irrespective of who is at fault, drivers take care of themselves.
  • In spite of this "no-fault" state provision, drivers can be taken to court and sued for severe injury, disfigurement, or death. As such, choosing a bodily injury liability coverage that meets your needs is crucial.

What about costs?

When it comes to annual premiums for homeowners insurance, Florida ranks as one of the more expensive states in the country. But premiums vary from location to location and even from one policy to another.  The determining factors in estimating the cost of homeowners insurance for your own home depend on the size of your home, your assets and of course your address.

Cost Comparison: Florida Auto Insurance
(You can sort both the cities and costs columns in the order of your choice)

Cities Cost
Jacksonville $575
Miami $675
Tampa $719
St. Petersburg $703
Orlando $402
Hialeah $709
Tallahassee $389
Fort Lauderdale $601
Port St. Lucie $574
Pembroke Pines $589
Cape Coral $398
Hollywood $599
Gainesville $323
Miramar $563
Coral Springs $585
Clearwater $489
Miami Gardens $609
Palm Bay $369
West Palm Beach $405
Pompano Beach $458
Lakeland $409
Davie town $485
Miami Beach $602
Deltona $501
Plantation $558
Sunrise $575
Boca Raton $502
Largo $425
Melbourne $405
Palm Coast $385
Deerfield Beach $485
Boynton Beach $501
Lauderhill $552
Weston $542

Comprehensive and collision coverage

Though not a legal requirement, we highly recommend adding comprehensive and collision provision to your policy. This additional coverage will provide you with peace of mind and protection. Being responsible for property repair and replacement costs following an accident, when you do not have comprehensive and collision coverage can be hugely expensive. And we're not just talking about yourself here.  There's also potential damage to other people properties, including personal injuries which could change your life drastically should you not have a policy that covers such potential expenditure. Talk to us about how affordable a comprehensive and collision coverage is and how it is possible to mitigate it's cost by choosing deductibles that meet your financial needs.