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.
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.
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.
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.
Live in the country?
Fire Hydrant Discount
Major reduction of the cost of your homeowners policy if you live in the country with no fire hydrant.
One of our major carriers have reduced their rates way down for houses in the country.
It doesn’t matter if you’re in the middle of your policy period either.
Want more information? Leave some info below so we can get back to you within 24 hours or give us a call at 1(800)231-3227.
State Farm Homeowners Policy
Some homeowners policies are not what they seem to be.
Some companies make things more complicated than what they have to be. Our companies know that customers are the priority. That’s why they offer full replacement cost, instead of limited replacement cost.
Take a look at this State Farm homeowners policy below.
Now compare this policy with 30 different insurance companies that want to help you be more protected. Get a free homeowners quote
Family Protection
Protecting your family is important.
We understand the value of such a task. That is why we are here, to help you protect your family. To help you in your heroism quest.
Appliances Repairs
Having the right coverage means you do not have to spend time worrying about the unexpected.
We take pride in helping you protect your assets. A home is one of the most important investments that someone can ever make in their lives. Thats why we want to help you protect your investment.
Our Equipment Break Down Coverage, gives you the opportunity to fix your broken down appliances, and it is just added to your policy.
Our homeowners policy equipment breakdown coverage covers your, refrigeration, air conditioning, TVs, stoves, among other major appliances in your house.
What differentiate us from the competition besides offering you the lowest prices with the best coverage, is that we will give you your own personal agent that will be always be available to help you not just with your homeowners insurance, but also with your life insurance, au
to insurance, health insurance, among other insurance products.
Our mission is to help you protect your assets, so that you can have a peace of mind.
Fill out our quick contact form for a free quote about your appliance repair coverage program.
Most companies do not cover mechanical break downs. We offer this coverage to you!
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