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.
Looking for Motorcycle Insurance? Here are ways to save
Fact is everyone wants affordable motorcycle insurance. But what is good motorcycle insurance if you don’t have the coverage you need? With the Florey Insurance Agency, you’ll receive coverage that fits your needs and affordable motorcycle insurance that’s easy on your wallets.
Along with affordable rates, you may qualify for even more savings with additional discounts like
- Multi Bike discounts
- Motorcycle association discounts
- Discounts for experienced riders
- Installation of anti theft devices
- Discounts for taking motorcycle training courses
These are just some discounts. If you’d like to see more just click here
Also, if you’d like to read more on Motorcycle Insurance click here to view our Motorcycle Insurance webpage or to request a free quote.
Call our Motorcycle hotline at 1(877)318-4543.
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.
What is the difference between a home and a house?
First let me start by saying that there is a difference between a home and house. There are a lot of people that think that both of these words mean the same thing. However, in reality, they have different meanings. You might ask what’s the difference?
The difference between the two is quite simple really.
Lets start by describing what a house is. When you refer to a house, you need to think that you are referring to a structure. For a example a 
building. A house is something material that has financial value.
Now with that being said, let’s take the concept of a home. A home is a place where you can go to be at peace. After work you can go and spend time with your family. A home is where you will always find your favorite meal, made with love. A home is where you can just sit down and relax.
Now taking both concepts in consideration, you should take action and make sure that special place is protected.
Protected from what you might ask?
What would happen if something like this was to happen to your home. That special place that you value so much.
Are you covered? Is your home well protected?
Take a few minutes and evaluate your coverage, because today it’s a special day for you.
Today you’ll find out you can be well protected and save big time with our home-owners insurance. Take 5 minutes of your time and fill out a quote with us; through our secure, fast system. Compare rates and coverage with more than 30 different companies.
But don’t only protect your home, but everything you own.
- Boat
- Health
- Car
- Classic cars
- Sports cars
- Mobile homes
- Businesses
How much do you value what you have?
I can tell you this, you are looking for cheap insurance. Cheap boat insurance, cheap health insurance, cheap classic cars insurance, cheap home-owners insurance, in general you are looking for cheap Pennsylvania insurance. This is the site to be
And see how you can be a super hero to your family. With just a few simple clicks.
How to save money
Do you drive around looking for the cheapest gas prices around? We’re here to help you save more money and save time.
Shopping for car insurance?
People are taking car insurance for granted. However, they truth is that they should not. There are many factors that take place when it comes to car insurance.
The first factor is prize.
How can you get the best price when there are a numerous car insurance companies that offer different car insurance rates? The answer to this question is relatively simple. Go and ask your local insurance agent. For example Florey Insurance Agency.
Insurance agents are the most reliable source to obtain information about any type of insurance. One of the best advantages for people searching for car insurance is that insurance agents like Florey Insurance work with multiple companies to offer insurance rates.
Car Details
Another factor that comes into consideration when shopping for auto insurance are the specifics of the car. For example, car model, car year, the safety features, millage, the use of the car, etc. However, because some insurance agencies have authority to give special discounts, you can find your-self saving a lot of money. (click here to see a list some of our discounts).
Benefits
In addition, many insurance agents have websites. On the website they also have numerous tools to help you save time, gas, and any other thing that you can think of. What do we mean by this? Well lets take the website floreyinsurance.com. This site offers many services to help their customers and new costumers save time, gas money, and save big on car insurance, health insurance, life insurance, homeowner’s insurance, business insurance, boat insurance, etc. The site has a built in system that lets customers compare auto insurance prizes with over 30 different car insurance companies. If this wasn’t cool enough, the site has a built in video chat capability so that when customers need to speak with an agent face to face. They can use this tool to do so from the comfort of their homes or work place. The site also contains a regular typing chat tool that lets customers use what we called tickets. What this allows the customers to do is create a message and submit it to the agency. The agent gets the ticket and makes the necessary changes that need to be made from what the customer specified on the ticket. Through this same tool insurance shoppers can chat with the agent through text, chat system.
In conclusion, shopping for car insurance, health insurance, life insurance and even boat insurance is not that bad. If you ask me, car insurance shopping just got better and fun. Take a look at some of these great features click here.
Seven Tips To Finding The Right Commercial Auto Policy
Finding a good deal on commercial auto insurance is about more than finding the lowest rate—it’s about finding the best all-around coverage to suit your company’s needs.
Understanding what coverages and service options are available is the first step toward making better, more informed decisions so that you and your business are properly protected. Here are some tips from the experts at Progressive to help you find the right coverage, service and price:
Know the company you’re dealing with—and its reputation for handling claims. Under-stand that you may pay more for “cheaper” coverage in the long run if the company lacks experience handling commercial auto claims. In business, vehicles need to be on the road—or you lose money. Insurance companies that don’t specialize in commercial auto coverage often don’t have their own claims representatives handling the process, so it may take longer to get vehicles back in service.
Look for discounts. Before initiating a quote for a policy, gather your company’s loss and financial records. This information could help you save a lot of money. You may qualify for discounts if you’ve carried increased liability limits in the past, if your employee base consists of experienced drivers or if your company’s credit rating is good.
Don’t let your coverage lapse. Proof of prior insurance is important, so never let your insurance policy lapse. If you do, you will most certainly pay more for your next policy.
Ask for referrals. Find out where colleagues in your business have found the best coverage and the best service. They may be able to refer you to an agent or com-any that really understands your business.
Check driving records before hiring. If they’ll be driving a company vehicle, be sure to screen the Motor Vehicle Report (MVR) for every potential hire.
Update the value of your equipment. If you’ve added, upgraded or phased out equipment, you’ll want your policy to reflect the true value of your fleet. This ensures you have adequate coverage where you need it and that you’re not paying for cover-age you no longer need.
Check the options for managing your policy. See if you can handle routine tasks online and over the phone instead of having to visit an agency or mail in forms. It saves time—and in business, time is money.
For more information about commercial auto insurance, visit progressiveagent.com.
Did You Know?
Before initiating a quote for a commercial auto policy, know that you may qualify for discounts if you’ve carried increased liability limits in the past and if your employee base consists of experienced drivers. To learn more, visit www.floreyinsurance.com.
Attention Homeowners!! Everything Just Got Better
Florey Insurance with you on every step!!!
In this economy we are all trying to safe money, but sometimes it is to even save a dollar. There’s always something unexpected that comes up at the last minute. It can be just about anything, like a birthday gift for your son, oil change for you cars, gas, bills, etc. However, sometimes we do not take in consideration the appliances of the house. At any point in time, they can break down and it might cost you thousands of dollars to get them replace or even fix.
There is a solution to this problem!!!
With your homeowners policy, now every appliance in your house is covered. If your refrigerator breaks down, i’ll be fix, anything else is in your house relating to appliances can be fix. AND YOU’LL SAVE A LOT OF MONEY ON THE PROCESS.
What do you have to do?
Just visit www.floreyinsurance.com or call 1800-231-3227 for a FREE QUOTE.
Car Insurance Myths
As with everything, there are common misconceptions with insurance. Car insurance especially. We’ll discuss just a few of the big ones, so in case you were wondering…after this, you won’t be.
#1 – Your credit score has no affect on your insurance rate.
Not true. It actually does come into play, and insurers to take it into consideration. When you’re first purchasing, changing or even adding new coverage.
#2 – If my friend borrows my car and gets in an accident, it’s their fault.
False again. It’s your car, so therefore it is your responsibility. Regardless of who was driving, you still run the risk of it going on YOUR record and YOUR premium going up. Though, there are loop holes. If the damage exceeds your limits your friends insurance could act as excess.
#3 – If I drive a red car, my insurance goes up…
How many times have you heard that the red sports car insurance is higher than the average? That may very well be true. But it wouldn’t be because of the color. Your rate is determined by many factors (year, model, make, engine size…etc) but color is not one of them.
#4 – I just paid my premium. So now my car is insured and I’m good to go!
True! Kinda…It’s required by most insurance companies that you notify them or an agent a few days after your purchase.
#5 – Even if I don’t have comprehensive, I’m still covered for wind, hail-stones, and theft.
Sorry, but no. Just because you have collision does not mean that you are covered. Collision is simply for driving accidents, anything more involved is covered under comprehensive.
About Florey Insurance
The Florey Insurance Agency, Inc. has been in business for 39 years. It was started after I was employed by Aetna Casualty and Surety Insurance Company for five years as a senior underwriter, which is a person that evaluates all the company’s new business and helps the insurance agencies with controlling their business. We are located in Clarks Summit, Pennsylvania, having started in the back room of my home. Today we have over 7000 customers and cover the entire state of Pennsylvania.
We handle all forms of insurance; both in the personal lines of automobile, home, life, health and annuities, and commercial liability, workman’s compensation, automobile, truck etc.. We have grown from one company and being a one man operation to over 14 employees and over 20 automobile and home companies and many life and health companies as well. Our agency has been selected to be a signature agent (only one percent of the agents in the country are awarded this honor) because of our service and performance. We have also been named a key agent for the same reasons.
We have been rated by most companies as the number one producer in this area. One of the reasons for these honors are that most of the staff has been in the insurance business for over 20 years.
The main objective for our agency to exist is to give the customer the best price in the area where he/she resides.
We have many programs that other agencies do not. We have kiosks, agent cams and we also have younger people in the agency that are ready to serve you and to carry this insurance business to future heights.