Why working with the Florey Insurance Agency will help you save money
Many people are finding they can lower the cost of car insurance- and the time it takes to select the right policy- by working with an independent insurance agent.
Because independent insurance agents represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers so you can receive the best deal. They can offer affordable protection for your home, business and other assets.
So rather than spending hours gathering quotes from various companies, you can get everything done in one place. The Florey Insurance Agency-located in Clarks Summit, Pennsylvania- can help you compare prices of over 25 different companies. They are the independent agency that Scranton and Wilkes Barre prefer.
If you’re thinking of working with an independent agent, here are a few things to consider provided by the Progressive Insurance Company and the Florey Insurance Agency:
- What’s your lifestyle?
Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent, you may be eligible to save money on your car insurance.
Although having a new teenage driver usually means the auto insurance bill will go up, there are ways to save. We work with multiple companies and offer over 35 different discounts like the good student discount and if driver courses were taken.
- How old is your car?
You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, independent agents can give you advice on what makes the most sense. But of course, if you want to keep your physical damage coverage, consider raising your deductible- that can save you money each year too.
- How can you save money on other types of vehicles?
If you have a motorcycle, boat and RV you might save money by having it covered by the same company that insures your car.
You may also want to consider separating your homeowner’s policy from your car insurance policy. Bundling your homeowner’s policy with your car insurance doesn’t always save you money. In some cases it may, but compare prices by separating the policies using an independent agent- the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.
To learn more and for a free quote take some time and look through our website www.Floreyinsurance.com or call to speak to one of our specialized agents at 1( 877)503-8543.
Question: Do you need optional insurance when you’re renting a car?
You’re standing at the car rental counter waiting to start your vacation when you’re asked a tricky question. Do you want to buy damage waivers, also known as car rental insurance? How will you answer?
” Knowing if you need to buy rental insurance can save you money and give you peace of mind” says Rick Crawley with Progressive. Optional insurance could nearly double the cost of the rental. Do your homework and know before you go.”
Here are some pointers:
- Review your policy with your independent insurance agent. Your agent can evaluate your personal car insurance policy to find out if you are covered in a vacation rental car.
- Check with your credit card company. Some credit cards provide coverage at no charge if you use their card to pay for the rental. However, some restrictions may apply. Be sure to ask for an exact description of what’s covered.
- Take your insurance policy “Declarations Page” with you to the rental counter. You may be asked a question that these papers can answer. If you’re not sure of an answer, you’ll have your agent’s name and phone number readily available.
“Generally, if you have comprehensive, collision and liability coverages on your personal car insurance policy, there’s a good chance you’ll be covered in a rental car” says Crawley. ” Check with your agent to be sure. If you are covered, you would be liable only for the deductible on comprehensive and collision coverages, just like your personal vehicle”.
To learn more contact your personal agent here at Florey Insurance Agency.
Uncovering Auto Insurance Myths
Like a teenager eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they’re buying. In the rush to feel “covered”, they can skip the details which can lead to frustration. Following are five insurance myths heard by some of the more than 13,000 claims people at Progressive, one of the country’s largest auto insurance companies:
Myth: I bought “full coverage” so everything’s paid for.
Reality: There is no such thing as “full coverage”. In most states, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.
Myth: I need three estimates before my wrecked vehicle can be repaired.
Reality: Not necessarily. Very few insurers actually require this, although some might. If you decide to use a shop that is in an insurance company’s “network” of pre-approved shops you may just have to get an estimate from that shop.
Myth: My insurance premium ALWAYS increases if I’m involved in an accident.
Reality: It depends. Your rate can increase, decrease or stay the same. The information abut your accident is combined with other information about you, your car and your driving history to determine your rate.
Myth: If I lend my car to someone and he/she crashes it, I’m covered.
Reality: Not so fast. If you or your friend don’t have optional physical damage coverages, damage to your vehicle generally won’t be covered.
Myth: If I buy a new car, my auto insurance company automatically knows, and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy.
Since insurance isn’t something that is dealt with everyday, it may seem complicated. So the more informed you are, the better choices you’ll make.
Vacation time is right around the corner!
With so many people on the road during peak vacation months, it may be a good time to brush up on what you should do in the event you’re involved in a crash.
Here are some tips
Preparedness starts before you leave the driveway:
Always keep pen and paper in your glove box. Car insurance claims can be settled faster if there’s a good record of what happened. If you can take photographs with your cell phone or collect license plate numbers, or even names and phone numbers of witnesses, these can all help your insurance company establish facts faster.
If you’re involved in a crash:
- Move your vehicle out of the roadway, if you can. If your car is able to be driven move it off of the road a safe distance. By getting off the road you can help to avoid a second collision.
- Turn on your flashers or your lights. You want to be certain your vehicle is visible to other drivers.
- Check yourself and your passengers for injuries. If someone is injured, call 911 immediately.
- Call local police to report the crash.
Call your insurance company to report the crash. The earlier your insurance company knows about the crash, the faster it can get to work to resolve your claim.
- Start documenting what happened, if you can. If you’re able to do so safely, take photographs, make notes, ask witnesses for names and phone numbers. If you’re not able to do so safely, stand as far from the roadway— and the crashed cars—as you possibly can.
- Exchange only your insurance company name. Don’t discuss the details of your coverage with anyone at the accident scene.
- Exchange vital information with the other driver(s). Names, addresses, phone numbers are all useful to your insurance company in settling the claim.
For other tips to keep you safe on the road and keep your insurance rates down contact one of our agents.
Why we can help people save so much
People ask us all the time, what makes us different from the competition.
First off, not all of our customers are located in the Clarks Summit, Scranton, and Wilkes-barre area. Our agency covers all of Pennsylvania and we have tools to help you from your home. It’s almost as if you are sitting face to face with our agents in our office. In addition to the usual phone conversation our agents are equipped with Skype, live chat, and screen sharing software. So it doesn’t matter if you’re in Philadelphia or Pittsburg. We can still help you like anyone who walks in our front door. No matter if you’re looking for home, auto, life, health or any other type of insurance.
“I got quoted with a Progressive agent down the street, how can you guys give me cheaper Progressive rates than them?”
This happens all of the time. We are a signature agent which means we have the ability to offer additional discounts that other agents can not.
People also say, “Your sign in the front says Progressive, isn’t that who you insure with?”
Yes and no. We are partnered with Progressive but we also have over 20 other companies as well. Such as Travelers, GMAC, Safeco, Encompass, Metlife, and so many more. This is our biggest advantage. Instead of just being locked into seeing prices for one company our agents can give you a quote with all of these companies at once. Not only can they see the prices of all of these companies for you, they can also see all of the discounts that you apply for. This system also saves you time — we do the shopping for you.
Try it for yourself today
Click here to run your own quote with all of our carrriers.
Call one of our agents at 1(877)503-8543
Or fill out the form to the right and an agent will call you within 24 hours.
What to Do After an Auto Accident?
A car accident can be a difficult situation no matter how minor. The important thing to remember is that car accidents happen all the time, and your safety is the highest concern after an accident occurs. Worry about caring for yourself first, and then you can determine how to care for the car and sort out the situation with your insurance company. Since car accidents can often leave you disoriented and in shock, it’s important to prepare beforehand to know what to do after a car accident. The following steps should all be taken directly after an auto accident occurs:
1. Analyze the Damage to the Car and Personal Injuries
While remaining as calm as possible, analyze the vehicle for any new damages that occurred as a result of the auto accident. Major injuries will most likely manifest themselves right away, but you should always be sure to check for minor injuries on your person as well. These injuries might include bumps, scratches, bruises and mild pain in any area of the body. If it’s possible, try to document these damages and injuries with a cell phone camera, digital camera or any other recording device you may have on you.
2. File a Report
Call your local police station (or just dial 911 if you don’t have the number on hand) and file a report for the accident to ensure it is properly recorded. Limit the conversation to general details and avoid talking about fault or liability of any parties involved until you discuss the auto accident with your insurance agent first. Be sure to call your insurance agent right after you call the police to file your claim as quickly as possible.
3. Limit Your Discussion of the Auto Accident
An exciting event like an auto accident may be tempting to talk about with all your friends or post on Twitter, but the most practical thing to do after the accident is to only discuss the information with the police and your insurance agent. This ensures that nothing you say in a shocked state of mind will be used against you and possibly limit the amount of insurance you are qualified for. Bringing others into the situation not only exacerbates it, but this will also confuse you in terms of what really happened.
Suggested Photographs:
- All damage to your vehicle.
- Damage to other accident vehicle(s).
- Relationship to intersection or lane, if needed
- Street name(s) and address of accident location.
- Any situation that helps you describe the accident more clearly.
Car Insurance Coverages You Probably Didn’t Know You Had
Auto insurance coverage isn’t cheap, but who says they should be? Almost everyone wants discount auto insurance; but the reality is, you’re paying a relatively small premium to have a third party bail you out financially if you’re involved in an accident or your car gets stolen/ And that’s not all you’re paying for. Here are a couple of coverages the average insured driver doesn’t know they have.
Friend Insurance 
Anyone who has ever loaned keys to a friend and fretted over their decision until the car’s been returned safely knows the kind of worry that comes from the uncertainty of wondering who’ll pay for damages if the undesirable occurs. But rest easy because the standard car insurance policy covers you and anyone else you’ve given permission to drive your car, even if that person has their own insurance. The only down side is that the accident could result in an increase in your premium, not to mention the fact you’ll have to pay to meet any deductible you have set in place. The best advice: be choosy about who you give your keys to.
Legal Counsel
One of the scariest things about being involved in an accident next to experiencing bodily injury is the fear of being sued. Fortunately, if someone goes after you in a court of law for damages you caused, your insurance company will provide you with legal defense. They will also pay any damages, up to the limits of your insurance policy.
Shedding Light On Car Insurance Savings
Shedding Light On Car Insurance Savings can be easier than you think to put the brakes on high auto insurance rates. We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:
- Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
- Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We
can give you advice on whether it makes sense to reduce or drop this coverage altogether. - Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.
- Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.
- Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.
Car Insurance: It’s More Important Than You Think!
Susie was driving home late one night after an extremely stressful day at work. Everyone seemed to need her attention today, and she was drained, so when she was coasting along the narrow roads back home, she didn’t even notice the speedometer… or the policeman poised to catch the unaware speeder. Susie pulled to the side of the road as soon as the blue and red lights appeared, and the policeman strolled over and asked, “License, registration and insurance please.” She pulled them out of her purse and waited until he returned saying, “Your insurance ran out about two weeks ago.” This means one or more things can happen to Susie including…
Having Her License Suspended
Having Her Registration Suspended
Being Issued Another Ticket Along With The Speeding Ticket
Big Fines
If you were in Susie’s position, would you want to deal with all of that? Then don’t even sweat it and come to Florey Insurance Agency, where you can get your car insured cheap! Florey Insurance Agency has been around for more than 40 years and knows how to wheel-and-deal to save you the most money! Call the Toad today and get a free auto quote toll free at 1-800-231-3227!
Pet Insurance
Take your pets RVing
Do you travel with your dog or cat when RVing? Is your pet more than a companion? Is he or she a member of your family? You’re not alone. Most of the 8 million RVers, according to the Recreational Vehicle Industry Association, bring pets along on trips.
If this includes you, great news! Pet injury coverage protects your furry four-legged friends in the event of an accident.
In the past, RV insurance policies cover the people … but not the pets … inside RVs. Not anymore. Through our companies, we offer free pet injury coverage with collision and comprehensive coverage and pays up to $500 if your dog or cat is hurt or dies because of a crash, fire or flood.
“RVing is more fun when the entire family, including pets, is along for the ride,” said Cathy Pelfrey of Progressive. “This coverage gives pet owners something no other RV insurer offers – peace of mind from knowing that their dogs and cats are protected, too.”
We care about you and your love ones. That’s why we are here, to help you be better protected for the unexpected.
Pet insurance is for everyone that loves their dogs, cats, or any other companion that you might have. Just like us, our pets need to be covered, because medical bill can be quite expensive.