Birchell Insurance Agency- Professional, Experienced, Personal

Birchell Insurance Agency and your Auto Insurance

        

   Birchell Insurance Agency- serving all of Florida since 2000. Have you ever compared insurance rates with a friend or a family member only to discover your premiums are different? Learn more about how your insurance premiums are determined by calling Birchell Insurance Agency at  1-800-978-8813. You deserve an ACCURATE quote!

Auto Body Repair

Birchell Insurance Agency proudly recommends our friends at  "The Recovery Room". 
The Recovery Room is an auto body collision and refinishing company  that specializes in  automotive collision repairs  in Central Florida. The Recovery Room handles insurance-related losses for ALL INSURANCE COMPANIES.  Additionally, we're happy to estimate and repair customer-pay damage as well.

        

http://www.therecoveryroom.com/Contact.aspx



Financing: We understand the need for insurance with ALL of the discounts that you deserve. We also understand the financial burden of insurance premiums. We do offer the availability of  financing your insurance premiums through Premium Finance Services.

 

We are currently writing our auto insurance business with the following great companies...

            


     


  

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Auto Insurance? Auto accidents can happen – even to the best drivers. Insurance can help cover repairs to your vehicle and medical costs. Insurance is your firewall against economic disaster should you cause an accident and there is property damage or injuries to other people.

What is Auto Insurance Coverage? An auto insurance policy is a package of several primary coverages. The coverages may vary depending on the state where you live. Your premium payment is the total of these separate coverages for a given period of time.

        



What are the coverages?

Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. 
Property damage liability coverage – provides you with protection if your car accidently damages another persons property. It also provides you with a legal defense.
Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your car 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 car from theft, vandalism, flood, fire, and other covered perils.
Collision coverage – pays for damage to your car when it hits or is hit by another object.

  Adding a Teen Driver to Your Auto Insurance Policy: 5 Ways to Cut Costs

Getting a drivers license is a right of passage that every kid looks forward to, and leaves many parents frantic. Adding a teenage driver onto your car insurance policy will inevitably raise your rates, since teens are more of a liability to insure. However, there are still ways you can save on your car insurance even while having your teenage driver on your policy.

1) Good Student Discounts: Bs or Better = Discounted Rates

Most insurers will offer discounts (often from 10-25%) for teen drivers that maintain a B average or better. This could be seen as an incentive to your teenager to keep those grades up; tell them that if they dip below that B average, their driving privileges will be revoked!

2) Clean Driving Record = Level Car Insurance Prices

Unfortunately, the statistics don't lie. According to experts, the crash rates for 16 year olds are approximately three times higher than those for 19 year olds, and nearly 6 times higher than for drivers aged 20-24. Many parents find that their new teen drivers are very cautious in the beginning, but then quickly become overconfident and start ignoring basic traffic rules and/or driving recklessly.

Your rates are going to go up when you add your teen driver; but that rate hike will pale in comparison to what they could be if your teen driver gets in an accident, or even gets just one traffic violation (such as for speeding or running a red light). Make sure you impart to your children the importance of driving safely, and remind them that driving is a privilege that can be easily taken away if they cause an accident or ignore traffic laws. Not only will a clean driving record help keep your insurance costs at bay, but it will also give you some peace of mind when your child is behind the wheel.

3) Higher Car Insurance Policy Deductibles = Lower Car Insurance Rates

Many people may know that raising their deductibles on their insurance policy can save them money, but most don't feel the need to do this until they realize how much their insurance premiums are going to increase once they add their teen driver to their policy. 

   However, all drivers on the policy must be careful not to get into accidents with that higher deductible, as this is the amount that will come out of your pocket before your insurance company starts paying for the rest of the covered damage. If you've raised your deductibles (for example from $250 to $1000), make sure to convey to your teen driver that accidents are now double whammies; you will have to pay a lot out of pocket and your insurance costs will then go up (usually significantly). However, if you can avoid any accidents, higher deductibles can afford you considerable savings.

4) Older Cars = Cheaper Car Insurance

While you might be tempted to buy your teenager a new car with all the latest safety features, remember that newer cars are more expensive to insure. If your insurance company lets you assign drivers to your cars, assign your teen (and have them drive) the oldest car on your policy. And to keep your costs down until you teen driver is older and therefore not costing you as much to insure, you and other drivers on your policy should consider not buying new cars. That way you can keep your premiums down for all the cars covered on your policy.

5) Up-To-Date Information And Shopping Around for Multiple Auto Insurance Quotes = Insurance Savings

Lastly, make sure you review your policy at least once a year to make sure all the information is up-to-date. For example, your rates could go down once your teen graduates from high school or turns 18. Or, if your college student does not have a car at college with them (and doesn't drive when home on holidays), you could take them off your policy. Just make sure they are really not driving, because if your uninsured teen gets in an accident without insurance, that could really cost you.

Most importantly, before you add your teen driver to your existing policy, be sure to compare rates from several companies. Different companies will charge you different rates for adding the new driver, and your existing policy may not offer you the best deal.

 You can also call us at Birchell Insurance Agency at 800-978-8813 or visit our website at http://www.birchellins.com.

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