insurance

How to Lower Your Auto Insurance Rates

How much are you paying for auto insurance? Many people are paying more for their auto insurance than they are aware of. Did you know that there are ways where you can keep your auto insurance but not the high premium cost? How do you know if it will be alright to downgrade your auto insurance and will you still be covered in the event of an accident? According to an article, the majority of the states require that you at least carry liability insurance. With a minimum of liability insurance, any damage done to the other person or their property will be covered. However, you would be responsible for all your own damages. Each level of auto insurance has a different deductible which is the part of the bill you are responsible for paying before the insurance kicks in. If you are currently carrying full auto coverage and are looking to drop to collision only you should probably take a few factors into consideration. Some of the factors you need to look into before dropping your full coverage include: Does the car belong to you or is it on a lease? Be sure that you are fully aware what you are giving up when you are no longer fully covered. How much is your car worth? How much are you currently paying for full coverage versus how much you would be paying for collision only?

If while you were busy thinking about auto insurance cost you forgot about your best friend’s birthday, we have a solution for you. There is nothing better than receiving (even if it is a day late) gift basket from Edible Arrangements. At Edible Arrangements, you can send arrangements for all types of occasions from I’m sorry to a simple thank you. Other occasions that may call for an arrangement include: birthday, graduation, anniversary, corporate gifts and more and with their partnership with Groupon Coupons you can save money.

 

Before heading over to Edible Arrangements be sure to pay a little visit to Groupon Coupons first for money saving coupon discounts and coupon codes. Always save more with coupons and promo codes from Groupon Coupons. Use this promo code and always save more with the code of the day. Act now and get Edible Arrangements at up to 20 percent off with this special offer! Use this code and get 25 percent off with limited time offers. Save on fresh fruit cupcakes at Edible Arrangements today when you use this code! Use this code and save more on the fresh-tini collection now at Edible Arrangements. Right now, save on the kids and kids at heart collection when you use this code. Sports themed gifts are here with savings when you use this code. Enjoy delicious fruit truffles with this code and save. Edible Arrangements are great for corporate events. Get a fresh and unexpected wedding centerpiece from Edible Arrangements and save this this code. Sign up for emails and get $5 off. Save on edible pops when you use this code. How about a nice baby shower centerpiece? Use this code and save on one of those. From saving on gift baskets to saving on bridal shower centerpieces you will always save more when you use Groupon Coupons.

Send some love and affection when you send a gift basket from Edible Arrangements. Be sure to see Groupon Coupons first for gift giving money saving codes and coupons.…

a-guide-to-car-and-motor-insurance

If you’re moving to Florida, there are some things you should understand about car insurance quotes Florida, as it operates differently than most other states. Florida has two important laws governing car insurance. The first is the “no fault” law, meaning that Florida is a no fault state where accidents are concerned. The second is the Financial Responsibility law, which applies only to some drivers.

The No Fault Law

In a no fault state, each party’s insurance makes payment for their property damage and injuries, regardless of who is actually at fault in the accident. Florida car insurance does require that all drivers carry Property Damage Liability with a minimum $10,000 Limit and Personal Injury Protection, also known as PIP with a minimum $10,000 limit. This coverage is to cover your own damage and injuries in an accident.

In addition to the insurance required by Florida law, you may also want to purchase higher limits on your property damage liability and your Personal Injury Protection insurance, since the minimums are fairly low. It’s important to have enough coverage to adequately repair or replace your vehicle in the event of an accident and to pay your medical bills. You can find out what the difference in cost is by getting a car insurance quotes Florida.

The Financial Responsibility Laws

In addition, some drivers fall under the Financial Responsibility Law, which requires purchase of additional insurance. Not only are you required to carry insurance to cover your own vehicle and injuries, but you must also carry insurance to cover damage and injuries to the other party. You fall under the jurisdiction of the;visit this article here!

Financial Responsibility law if you’ve had any of the following violations:

• An accident that caused injuries, in which you were at fault
• Driver license suspension for too many points
• DUI citation followed by revocation of your license
• License revocation for habitual traffic offenders

a-guide-to-car-and-motor-insuranceThose who fall under the Financial Responsibility law are required to carry insurance with the following limits to protect the other party in the event of an accident:

* $10,000 Bodily Injury Liability (BIL) for one person
* $20,000 BIL to two or more people
* $10,000 Property Damage Liability (PDL)

It’s important to carry all the minimum insurance required by the state. If you’re required to carry the Financial Responsibility minimum insurance and fail to do so, you face revocation of your license and tags/registration for up to three years.Read the news and information coming from http://www.destinyconnect.com/2016/10/13/tips-bringing-car-insurance-premiums/

It’s just as important to carry your no fault minimum insurance, too. Those who fail to carry this insurance are subject to the same possible suspension period. In addition, you will be subject to a fine. Fines can be as high as $500 for subsequent offenses. Getting a car insurance quotes Florida and reviewing the coverage’s and limits will give you a better understanding of what you should have on your policy.…