June 1st is upon us and in Central Florida we can definitely tell by the sights and sounds that summer is officially here as we put Memorial Day in our rear view mirrors. There is less traffic congestion in the early morning hours with the school buses off the roads, but higher turn outs and longer wait times at area attractions like the theme parks, I-Drive area, and Pointe Orlando. 

This time of the year always gives pause for reflection on many fronts. One of those should be your insurance policies from Home to Auto and Life and everything in between. Inclement weather that effects the rest of the US typically happens from October to February but all Floridians know we have the worst of our inclement weather from June to November in the way of Hurricane Season. last month we talked about the ways Hurricane Damage can effect you but did you know there are other reasons to get your policies updated? 

Age is a big factor in policy rates. Males between the ages of 16 and 21 have higher rates than females of the same age. However, many guys that have purchased their policies when in that 16-21 age bracket don't bother updating their policy information or to obtain competitive quotes after they've passed the age of 21. If you fall into this category contact us and let us see if your current company is making more money on you than they should, or if you've even got the coverage limits you really need to have in today's market. 

Another factor is your personal risk. If you had a car accident a few years ago but not had a new rate quote in the time that those points cleared off of your license you are likely overpaying for your auto policy. Giving us a quick call can allow you to ensure that your money is being spent in the right places. We may even be able to put some of it back in your pockets and that's a win for everyone involved! 

They call them the dog days of summer all over because of the intense temperatures. In Florida we take the cake with temperatures already in the low to mid 90's in May - the thought of how high that mercury will climb in July and August is staggering; the feeling of your shoes melting to the pavement while walking The Magic Kingdom aren't that far off base. If you are an annual pass-holder at any of the area theme parks you know how bad your vehicle can get damaged by tourists and careless driver's in the theme park parking lots alone. Wouldn't it be great to have the right coverage and policy in place that will cover the long red streak that mini-van put down the side of your nice, new vehicle you've worked so hard to have? Don't let the dog days of summer get you down or break your bank. Let us see what we can do to lower your monthly expenses. 

I once had a co-worker who did the bare minimum to retain his employment. Needless to say that person didn't make it long and was eventually let go. When that day came I asked the boss why they retained them as long as they did and the boss didn't have a really solid answer aside from that he was in an entry level position and sometimes you roll the dice and give a person a chance. I recalled my grandmother telling me "you get what you pay for" - meaning in essence that the person was making minimum wage and barely got enough hours to be considered full time. The employee therefore did the bare minimum and thus, the company ultimately "got what they paid for."

Sure we would all like a 22 oz. Porterhouse but maybe our budget will only afford us an 8 oz. New York Strip. Both are good steaks, but one is obviously superior to the other. Insurance policies are the same way. You might in fact HAVE a policy....but is it the right policy for your situation and budget? Will it cover your expenses if, God forbid, you should ever have to rely on it? If the answer to that question is a "No" then you should...no...you NEED to let us take a look at your policies and see if we cannot maximize our leverage in the industry and possibly via combining policies, save you money and actually get you MORE coverage than you currently have. 

If you haven't shopped your policy around in awhile or are unsure if you simply have the "bare minimum" kind of policy, give us a call. A simple phone call or in office visit could potentially mean the difference between your family having NY strip or a Porterhouse. What do you want them to eat?