When going on a trip, it is wise to have car rental on your policy.  Suppose you start you 4 day trip on Friday night after work.  You are 100 miles from home and someone runs a red light and hits your car.  Your car is no longer driveable.  What do you do?

If you have car rental on your policy, you will be able to continue your journey. 

Auto insurance companies provide many discounts to assist drivers in reducing their auto policy premiums.

Of course one of the more obvious is if the driver or drivers have clean accident free records.  But there are many others that might apply.  Low mileage, owning a home, and having multiple vehicles on a policy are a few. 
Have your agent review these discounts with you.  You may not have qualified at the time you originally started your policy but you may qualify now.

I borrowed my neighbor’s car.  Does my insurance cover their car?

When you start an auto policy, one question that is important is how do you use your auto?  Is it used to commute back and forth to work?  Are you in sales and travel from customer to customer or is it used for personal errands?

Your rate is based in part on the answer to that question.  But what happens if your son or daughter or even you decide to use your car to deliver goods?  Perhaps pizza, newspapers or maybe even mail.   This changes the use of your vehicle and your agent needs to be notified.  Most insurance companies exclude delivery use of any kind on a personal auto policy and if you have a claim, that claim could be denied.

Be sure to periodically review your auto policy to be sure it is right for you.

Auto Insurance

I got a SR22 but don’t own a car.  How do I get my license status corrected?

Staged Auto Accidents- Tampa #1

Do I need car rental?

Did you know that if a hurricane or tropical storm is developing around Florida, most auto companies will not allow you to add Comprehensive or Collision coverage to your existing policy or reduce the deductible?  Also, you cannot start a policy that includes  Comprehensive and Collision coverage  during this time.  You can start a liability only policy.