Richard Hassad CPIA
Your Local Insurance Agent
Also serving Cape Coral, FL / Naples, FL / Bonita Springs, FL
Finding great coverage at the best price.
If you’re shopping around online for an insurance policy online, you may soon become overwhelmed or lose track of time. You may request insurance quotes on our website, and we will get you rates from many companies. We also have local agents that can help you answer questions or explain coverage. Too many times we see people shop online only to get the wrong policy or become frustrated at comparing all the options, using a local agent like us doesn’t cost you anything. Allow us to shop for your home, auto or business insurance needs.
Associates and Staff
Florida Insurance Shopping Guide
If you are like most people, you have heard of and understand the importance of insurance. There are all types available, some of which are required by law. You need to know which types you must have, which ones are a good idea, and which fall into the optional category. Utilizing an insurance shopping guide can help you to discover all of this and how to get the best coverage for your budget.
Throughout the nation, it is required that you have some type of insurance if you own and operate a motor vehicle. At the minimum, you will need some personal injury protection, sometimes called PIP, and liability. This is the bare necessity, and you may want to consider adding on to this to provide you with additional financial protection should you be responsible for a collision. Likewise, if you are financing your vehicle, the lender will require that you maintain enough coverage to repay your loan.
You can compare the rates from several different automobile insurance companies in order to determine which policy is right for you. The quotes will vary, depending upon how much coverage you chose and the deductible. That is the amount of money that you pay out of pocket before the insurance company assumed responsibility for the payments.
You may use an insurance shopping guide to see if you qualify for additional savings through one or more of the insurance companies you are considering. For instance, some offer rate reductions for those who have driven a certain number of years accident-free. Others provide benefits for those involved in particular associations or that have taken driving courses. It is worth it to find out if you are able to save money via any of these sources.
You will also need to compare your choices regarding medical insurance at some point. With the Affordable Health Care Act, everyone in the country is supposed to be able to afford insurance, even if it is with a government subsidy. If you are attempting to utilize your rights to have health care insurance but feel overwhelmed regarding how it all works, you may want to find a guide that will help walk you through your choices.
Remember that your deductible is relevant here, just as it is with your automobile insurance choice. However, there are some differences. For instance, you will only use your auto insurance in the case of an accident. Your medical insurance is likely to be used throughout the year. For instance, if your children become ill and need to go to the doctor, or if you fall and break your arm. These expenses can add up quickly. If you choose too high of a deductible, you could end up spending a great deal of money over the course of a year on medical expenses.
Use a guide to assist you when you are shopping for any form of insurance. It will help you immensely to compare the coverage options.
If you don’t want to utilize a guide you can always speak to an agent for advice on your insurance needs.