Tag Archives: Florida Insurance Discounts

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
Get a quote

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. We are a five star rated insurance agency on Google!    

11 Save Money on your Florida Homeowners Insurance

Florida Homeowners Insurance No Comments

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

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

FLORIDA - Purchasing the Florida Homeowners Insurance that is right for you and your home can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your homeowners insurance and feel confident you have adequate coverage. LNC INSURANCE PROVIERS a leading insurance agency of homeowners and auto insurance in Florida offers these tips to lead you in the right direction when you purchase your homeowners insurance.

  • Shop around. In addition to considering friends, family, the phone book or the Internet as possible sources to find homeowners insurance, consult with an independent insurance agent. Look for a wide range of prices from several companies. Remember, you get what you pay for, so look for not only a fair price but excellent service as well. Check a company’s financial rating with A.M. Best or Standard & Poor’s.
  • Raise your deductible. Companies generally have deductibles (what you pay before your insurance policy kicks in) starting at $250. By choosing a higher deductible ($500, $750, $1,000 or higher), you’ll have lower annual premium payments.
  • Consider how much insuring a new home will be. The age of your home may qualify you for savings because plumbing, heating and electrical systems of newer homes have lower risks than outdated systems.  Construction of the home (brick versus wooden frame) can affect your cost as well, depending on your home’s location.  Also, if you live near your local fire department, your homeowners rates might be lower than if you are many miles away.
  • Insure your home, not your land. Since homeowners policies don’t provide protection for your land, it would be a waste of money to include its value as part of your dwelling coverage, which should only reflect the price it would cost to repair or replace your home’s structure.
  • Insure your car and home with the same company. You can save money if you have more than one type of policy with the same insurance company. The more good business you give the company, the more valuable you are as a customer.
  • Improve home security and safety. If your home has certain types of fire alarms, burglar alarms, locks, or smoke detectors, you’ve reduced your risk and may qualify for a credit.
  • Look for senior discounts. If you are at least 55 years old and retired, your insurance company may offer you a discount. Retirees often spend more time at home and are more likely to spot trouble and prevent a loss.
  • Look for group coverage. Many insurance companies offer discounts to groups such as alumni or business associations. Check with your association director or employer to see if they offer a plan.
  • Stay with one insurer. If you keep your coverage under one insurer for several years, you may be offered a discount from the company. The longer you are a customer, the more money you will likely end up saving.
  • Compare the limits in your policy to the value of your possessions at least once a year.  If you make any major purchases or additions, you want to ensure they will be covered, but you do not want to spend more than is necessary.

Save Money on Homeowner's Insurance

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

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. We are a five star rated insurance agency on Google! For more information, you might want to read our article on the difference between a condo and a homeowners insurance, and for this article on how to choose the best homeowners insurance.  

11 Spring Maintenance Tips to Protect Your Home

Florida Homeowner's Insurance No Comments

LNC INSURANCE PROVIDERS Offers Spring Maintenance Tips to Protect Your Home

Following these simple steps can even, in some cases, lower your homeowner's insurance premiums

FLORIDA - A home is one of life's most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, LNC INSURANCE PROVIDERS, a leading insurance agency of auto and homeowners and commercial insurance, offer these maintenance tips to prepare your home for warmer weather and to keep it safe year-round:

  • Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the batteries at least every six months, when you change your clocks.
  • Check the light bulbs in all your fixtures to be sure that they are the correct wattage as recommended by the manufacturer.
  • Replace lamps that use high-producing bulbs (such as halogen) with those that use fluorescent bulbs and operate at much cooler temperatures.
  • Check your electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power source.
  • Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
  • Have your air conditioning system inspected by a professional as recommended by the manufacturer.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating.
  • Check your water heater for leaks and corrosion, and keep surrounding area clear.
  • Clean and/or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
  • Inspect washing machine hoses and replace hoses that show signs of wear or leakage with stronger reinforced hoses. Turn off the water when not in use to prevent water damage if a hose breaks.
  • In your yard, remove all dead trees and keep healthy trees and bushes trimmed and away from utility wires. Do not attempt to remove tree limbs from power lines yourself.  Instead, call your power company to request assistance.
  • Safely store oil and gas for lawn equipment and tools in a vented, secured area.
  • Repair driveway and walkways that are cracked, broken or uneven to provide a level walking surface.

Save Money on Homeowner's Insurance

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

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.