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.
Why you need Wedding or Special Events Insurance
Getting married anytime soon? Planning a graduation party, anniversary party or any other special occasion? Well we’ve got you covered!
mediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.Prices range from around $125 up to approximately $400 depending on the amount of coverage you need.Additional riders may include coverage for:
- Military service- in the event the bride or groom is in the military or active reserves, and is suddenly called to duty.
- Gowns and tuxedos- includes stores going out of business or damage to the clothing.
- Gifts- if gifts are not covered by your homeowners or renters insurance, provides protection against theft or damage of gifts.
- Honeymoon- in case you need to cancel your trip due to illness, bad weather or other circumstances.
- Professional counseling- when the cancellation or postponement of the event causes severe emotional stress (a doctor’s note will be needed).
Many companies also offer separate liability insurance, but be aware that many event sites already have their own liability insurance. If you are holding the event at home, however, you may want to purchase liability insurance above and beyond what is provided under your homeowners policy.
So if you’re planning an event like a Wedding make sure you are covered in case the unexpected happens.
This tool gives you the convenience to see all the different coverage and liability options offered through this company and set up a quick quote.
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.
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.
Get low-cost children’s health insurance with CHIP
Yes you can get low-cost children’s health insurance with CHIP, brought to you by UnitedHealthcare Community Plan.
CHIP, brought to you by UnitedHealthcare Community Plan, covers all uninsured children and teens up to age 19 who are not eligible for Medical Assistance. Now no family makes too much money for CHIP!
CHIP Benefits |
You Pay* |
Routine Checkups |
$0 |
Vaccinations |
$0 |
Doctor Office Visits |
$0 |
Lab Tests & X-rays |
$0 |
Emergency Care |
$0 |
Hospital Care |
$0 |
Dental Care |
$0 |
Vision Care |
$0 |
Prescription Drugs |
$0 |
Specialist Office Visits |
$0 |
Find out today if you qualify! Do it for your kids!
Call Florey Insurance Agency
1(800)231-3227
*There are no premiums or copays for covered services when you qualify for the free CHIP plan. Premium amounts and copays may apply when you qualify for the low-cost or at-cost CHIP plans. Eligibility is determined by your family size and income.
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.
What could be your biggest home risk?
Over a million Pennsylvania homes sit atop old, abandoned mines. The risk to a home grows as the mines grow older and the ground settles or sinks. A home can then crack, tilt or even collapse. Most homeowner policies won’t cover this type of damage.
As insurance agents, we want to help you protect your assets.
Mine damage cannot be predicted. But you can expect Florey Insurance Agency to cover you if ever something does happen.
- Ground above a mine can settle or sink.
- Homes can crack, tilt or even collapse.
- Most homeowners polices do not cover this damage.
Find out if your home is at risk.
Fill out the short form bellow and we’ll take care the rest for you.
How to drive safe during the winter season – tips and info
Maintenance
1) Clean off your car (don’t forget the roof, lights, and hood.)
2) Check the following things periodically
- Ignition system
- Fuel system
- Belts
- Hoses
- Fluid levels
- Brakes
- Exhaust system
- Wiper blades
- Defroster
- Antifreeze
- Cooling system
- Battery
- Lights
- Tire tread and pressure
3) Keep your gas above half tank-
-Try and keep your gas at full tank to avoid gas line freezing
4) When checking your tires and treads
-Make sure there is 1/8 inch tire tread & that they’re properly inflated.
-A good idea is to get snow tired or chains for traction.
Be Prepared
1) Keep the following winter supplies-
- Jumper Cables
- Multiple Blankets
- Snow Shovel & scraper
- Flashlight with extra batteries
- Extra Clothing
- High Calorie/non-perishable food (ex: canned nuts, dried fruits, hard candy)
- First aid kit
- Sand or strips of carpet (for traction)
- Tow Rope
- Cell Phone
- A jack, lug wrench, and spare tire
2) Check conditions & weather information before going out
-If the roads are bad, decide if it’s really worth the risk of leaving.
-Only drive when absolutely necessary.
3) Tell someone where you’re going and when your expect to arrive.
4) Brakes – knowing the difference before you drive
-ABS (Automatic breaking system) – If you have this system you should hold the brakes with constant pressure and don’t pump them
-Standard Brakes – If your car isn’t equipped with ABS brakes then you should pump them instead of using constant pressure.
(You’ll find which type you have simply by looking in your driver’s manual.)
Driving safely
- You should always wear it, but make sure you put on a seat belt.
- Reduce your speed
- Speed limit signs are for dry pavement conditions
- Leave plenty of room for stopping
- Brake early, slowly, and smoothly (no sudden stops)
- Leave plenty of room between you and the car ahead of you (8-10 second distance)
- Think ahead while driving. (Slow down early) if you know there’s a big turn ahead
- Don’t use cruise control
- You need control when you lose traction.
1) If you rear wheels skid-
- Take your foot off the gas
- Steer where you want the front wheels to go
-Sliding right – steer right
-Sliding left – steer left - Either pump or apply constant pressure to your brakes (depending on which type you have)(See earlier in article)
2) If your front wheels skid-
- Take your foot off the gas & shift to neutral, don’t try to steer immediately
- As your wheels skid sideways the car will slow down & traction will return.
- After you gain some traction steer in the direction you want to go in.
- Then shift back into drive or release the clutch, and accelerate gently.
If you get stuck
- Don’t spin your wheels (they will dig deeper)
- Turn your wheels back and forth (to get snow out of your way)
- Accelerate very slowly & gently (ease your way out)
- Use a shovel to move snow away from your tires
- Use the sand or carpet strips to get traction
- Rock the car back and forth (check owners manual before trying this to see if damage would be done to your transmission.
If you become stranded
- Call 911
- Stay in your car and don’t leave unless necessary.
- Only leave if you know where you are
- Make yourself visible
-Light flares in front and in back of your car a safe distance away - If the exhaust isn’t blocked run the engine in 10 minute intervals for heat. (Watch your gas level though)
- Keep a window open slightly
-Snow and ice could seal your vehicle shut. - Eat hard candy. This will keep your mouth moist.
- Avoid overexertion (ex: from pushing your car)
If you’re in an accident
- See if anyone’s injured
- Call 911 if necessary
- Move your car off the road if possible
- Exchange:
- Name
- Address
- Drive license number
- Vehicle registration
- Insurance Information
Insurance