Tag: Broward

COMMERCIAL AUTO INSURANCE IN BOCA RATON

Posted on | by Bryan Curran | Leave a Comment on COMMERCIAL AUTO INSURANCE IN BOCA RATON

At its core, commercial auto insurance offers coverage that is similar to a personal auto insurance policy. There is liability, comprehensive, collision, personal injury protection, medical payments, roadside assistance, rental, and uninsured motorist coverage. All of which can be meticulously curated personally for you and your business to provide you with outstanding commercial auto insurance in Boca Raton.

Beyond just the coverage, a commercial auto policy in Boca Raton also provides the ability to cover a wider range of commercial vehicles that you may have for your business that are not eligible for coverage under a personal auto policy. Certain types of larger vans and trucks like food trucks, box trucks and service utility trucks would fall in this category however company cars and vehicles used for business purposes can also be covered on a commercial policy as well.

Commercial auto policies also allow you to have a larger number of drivers covered which can extend to employees and not just members of your household like a personal auto policy would require. 

As previously stated, commercial auto insurance policies cover a lot of the same coverage as personal insurance policies however there are usually differences in eligibility, definitions, coverages, exclusions and limits. Examples of different types of coverage are as follows:

Bodily Injury Liability coverage – Coverage for any bodily injury or death to another person resulting from an accident in which you are at fault.

Property Damage Liability coverage – This is the protection you have to protect yourself if your vehicle accidentally damages another person’s property of any kind. This coverage will also provide you with legal defense in most cases.

Combined Single Limit (CSL) – Since most liability policies usually offer separate limits for bodily injury and property damage, this is sometimes an option where both of those are covered under one single limit. The same dollar amount for coverage would be offered whether the claim is for bodily injury or property damage and whether it is dealing with one person or several.

Medical Payments – This typically would cover the medical expenses of the driver and passengers of the vehicle for bills incurred as a result of a covered accident, regardless of fault.

Uninsured Motorist Coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

Comprehensive Physical Damage Coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

Collision Coverage – pays for damage to your vehicle when it hits or is hit by another object.

Not all companies offer commercial policies but here at Advantage Plus Insurance, we have partnered with Progressive, Kemper Auto, Mercury, and Bristol West to provide you with a quality product and even better customer service so you know your business in Boca Raton is in good hands at all times. They all offer competitive rates and in-depth coverage options so you can be at ease knowing that whatever potential event may occur in the future, they’ve got your back.

For more information about your specific situation and if a commercial policy is right for you, please give us a call at (954) 289-4020.

AUTO INSURANCE IN OAKLAND PARK

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Incorporated in 1925, Oakland Park was actually originally named Floranada (a combination of Florida and Canada) for a period of about four years before it was renamed Oakland Park. The city was forced into bankruptcy after the hurricane of 1926 so when the municipality was reincorporated, residents of the city voted on the name that still stands today. The name was derived from the massive oak trees that lined the Middle River. Now a prosperous and diverse commuter community, Oakland Park is currently bisected by The Florida East Coast Railway making this another efficient commuter community of South Florida.

Managing cost on an auto insurance policy is something that all customers in Oakland Park are always looking to do. In Oakland Park, the average person is paying about $228 per month for auto insurance. Coverage levels do vary but you need to make sure that you are protecting your assets while simultaneously making sure your auto insurance premium doesn’t become too costly. This type of balance isn’t always easy to obtain but with a little patience and a knowledgeable agent that you trust, you can be sure you are getting what you need without breaking the bank.

Many ways that you can get lower auto insurance in Oakland Park are things that are not frequently thought of or just seem downright daunting. With that in mind, Advantage Plus prides itself on taking on that burden for you. Here are a few examples of how you can do your part to protect your wallet and make sure you have the best rate possible:

Shop around – Listen, we understand that everyone has their own life and that work, commitments, family etc can eat up a lot of time so who has or wants to use the time to search around for auto insurance rates? As your agent, we take this process out of your hands and handle it for you. We have partnered with NINE different auto insurance providers to provide you the best options when choosing the policy that’s right for you. Many of the ones we have relationships with have ‘A’ ratings on A.M. Best if you’re looking for the best possible service and we also have other options for those of you with a firm budget. Whatever your needs may be, we’ve got you covered.

Pay in advance – This is very simple and can result in significant savings if you have the ability to pay your auto insurance premium in full at the beginning of the policy term. Companies will not only give you a discount but they also eliminate any fees that they assess on their policies and the savings can amount to hundreds of dollars in some cases. If you are not in a position to do that, at very minimum set up your monthly installments on autopay as that is a sure fire way to get savings and be sure that you don’t miss any payments.

Telematics – This is not an option for every provider, but some do offer telematics tracking through either a device install or an application that you download on your phone. This allows the company to track your driving habits to get a more personalized view of you specifically. These will typically earn you a discount to a varying degree upon the inception of the policy. This gives you the opportunity to either earn more discounts with safe driving or potentially lose discounts if your driving habits are unfavorable in the eyes of the company. It’s important to be honest with yourself because your habits will ultimately determine how your rate develops over not only the life of your current policy but also for the ones you have going forward.


What does this mean for you? It means give us a call and let one of our auto insurance agents in Oakland Park do the heavy lifting for you. Here at Advantage Plus Insurance, we have licensed professionals to help guide you through every step of the auto insurance buying process. From hearing and understanding your needs to assessing the best options for you in terms of coverage and cost, we’re with you every step of the way. We realize the best thing we can provide for you is trust which is why you’re treated as part of our family. All of the stress you would normally associate with this process goes out the window as we strive to provide the smoothest experience in your area. 

So what are you waiting for? Give us a call today and become part of the Advantage Plus family!

AUTO INSURANCE IN MARGATE

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A town that was established in 1955, Margate derived its name from its founder, Jack Marquese, who took the first part of his last name and combined it with gate as at the time he declared Margate as the “gateway” to western Broward County. Margate is home to a wide variety of outdoor activities from beautiful golf courses to a water park called Calypso Cove. Outdoor junkies can get their fix here while still enjoying a small town suburban feel.

Managing cost on an auto insurance policy in Margate is something that all customers are always looking to do. You need to make sure that you are protecting your assets while simultaneously making sure your premium doesn’t become too costly. This type of balance isn’t always easy to obtain but with a little patience and a knowledgeable agent that you trust, you can be sure you are getting what you need without breaking the bank.

Many ways that you can get lower auto insurance in Margate are things that are not frequently thought of or just seem downright daunting. With that in mind, Advantage Plus prides itself on taking on that burden for you. Here are a few examples of how you can do your part to protect your wallet and make sure you have the best rate possible:

Shop around – Listen, we understand that everyone has their own life and that work, commitments, family etc can eat up a lot of time so who has or wants to use the time to search around for auto insurance rates? As your auto insurance agent, we take this process out of your hands and handle it for you. We have partnered with NINE different auto insurance providers to provide you the best options when choosing the policy that’s right for you. Many of the ones we have relationships with have ‘A’ ratings on A.M. Best if you’re looking for the best possible service and we also have other options for those of you with a firm budget. Whatever your needs may be, we’ve got you covered.

Raise your deductibles – This is one of the more common ways to reduce auto insurance premiums so if you are okay with coming out of pocket a little more should an incident arise, raising your deductibles will ultimately lower how much you pay for your auto insurance premium. Make sure you are truthful with yourself though and be sure that the amount that you select for your deductible is manageable for you in the event that something should happen.

Pay in advance – This is very simple and can result in significant savings if you have the ability to pay your auto insurance premium in full at the beginning of the policy term. Companies will not only give you a discount but they also eliminate any fees that they assess on their policies and the savings can amount to hundreds of dollars in some cases. If you are not in a position to do that, at very minimum set up your monthly installments on autopay as that can still get you significant savings with most providers.


What does this mean for you? It means give us a call and let one of our auto insurance agents in Margate do the heavy lifting for you. Here at Advantage Plus Insurance, we have licensed professionals to help guide you through every step of the auto insurance buying process. From hearing and understanding your needs to assessing the best options for you in terms of coverage and cost, we’re with you every step of the way. We realize the best thing we can provide for you is trust which is why you’re treated as part of our family. All of the stress you would normally associate with this process goes out the window as we strive to provide the smoothest experience in your area. 

So what are you waiting for? Give us a call today and become part of the Advantage Plus family!

AUTO INSURANCE IN LAUDERHILL

Posted on | by Bryan Curran | Leave a Comment on AUTO INSURANCE IN LAUDERHILL

Lauderhill has a unique beginning as it is one of two developments (the other being in New York) that was started largely as off-the-shelf architectural designs which had been available to the public at Macy’s department store. The homes that were available were designed by Andrew Geller and they were originally on display at the “Typical American House” at the American Exhibition in Moscow. 

A group of approximately 200 of the homes were constructed in Montauk, NY but developer Herbet Sadkin in 1963 and 1964. Following the success there, he decided to build a series of similar homes in Florida and called the Development Lauderhill. The deal you got at the time for these homes is incredible looking back on it, with the New York Times describing the Macy’s homes as “The package deal included a 730- to 1,200-square-foot house on a 75-by-100-foot lot, as well as state-of-the art appliances, furniture, housewares and everything else a family would need for a weekend in the sun, including toothbrushes and toilet paper. The cost was roughly $13,000 to $17,000.”

The area would continue to grow and in 1970, the Inverrary Country Club was built. It was on this golf course that actor Jackie Gleason built himself his final home.

Managing cost on an auto insurance policy in Lauderhill is something that all customers are always looking to do. You need to make sure that you are protecting your assets while simultaneously making sure your premium doesn’t become too costly. This type of balance isn’t always easy to obtain but with a little patience and a knowledgeable auto insurance agent that you trust, you can be sure you are getting what you need without breaking the bank.

Many ways that you can get lower auto insurance in Lauderhill are things that are not frequently thought of or just seem downright daunting. With that in mind, Advantage Plus prides itself on taking on that burden for you. Here are a few examples of how you can do your part to protect your wallet and make sure you have the best rate possible:

Raise your deductibles – This is one of the more common ways to reduce auto insurance premiums so if you are okay with coming out of pocket a little more should an incident arise, raising your deductibles will ultimately lower how much you pay for your premium. Make sure you are truthful with yourself though and be sure that the amount that you select for your deductible is manageable for you in the event that something should happen.

Pay in advance – This is very simple and can result in significant savings if you have the ability to pay your auto insurance premium in full at the beginning of the policy term. Companies will not only give you a discount but they also eliminate any fees that they assess on their policies and the savings can amount to hundreds of dollars in some cases. If you are not in a position to do that, at very minimum set up your monthly installments on autopay as that is a way to make sure you are earning a discount of some kind and that you will never miss a payment.

Telematics – This is not an option for every provider, but some do offer telematics tracking through either a device install or an application that you download on your phone. This allows the company to track your driving habits to get a more personalized view of you specifically. These will typically earn you a discount to a varying degree upon the inception of the policy. This gives you the opportunity to either earn more discounts with safe driving or potentially lose discounts if your driving habits are unfavorable in the eyes of the company. It’s important to be honest with yourself because your habits will ultimately determine how your rate develops over not only the life of your current policy but also for the ones you have going forward.


What does this mean for you? It means give us a call and let one of our auto insurance agents in Lauderhill do the heavy lifting for you. Here at Advantage Plus Insurance, we have licensed professionals to help guide you through every step of the insurance buying process. From hearing and understanding your needs to assessing the best options for you in terms of coverage and cost, we’re with you every step of the way. We realize the best thing we can provide for you is trust which is why you’re treated as part of our family. All of the stress you would normally associate with this process goes out the window as we strive to provide the smoothest experience in your area. 

So what are you waiting for? Give us a call today and become part of the Advantage Plus family!