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.
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.
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
Have good auto insurance in case your car is submissive to the winter weather -
You can save today, up to 70% off at FloreyInsurance.com across all of Pennsylvania
Don’t wait until it’s too late, get your free quote today.
Holiday Gift From Florey!
Si usted habla espanol, podemos ayudarle! Tenemos personas que hablan espanol! Llame hoy y pregunte por Hector.
In these hard economic times, money is always tight. And right around the holidays it gets a lot tighter. Some gifts here, cards there…things sure add up pretty quick! Florey is an agency who can relate to all of our customers. We know what it’s like and we love to help you when the going gets tough! There’s no better time to get insured by us. We’ll save you money quickly and hassle-free! Any time you hop onto our website you will see the option to get a free quote. There’s no reason you shouldn’t at least SEE what you could be saving. Who knows it might be some incentive to keep a couple extra hundred dollars in that wallet of yours. For the holiday season we have a full staff who is ready to help you in every way they can, and with over 35 available discounts and cooperation of multiple companies its easy for us to help you out! Also, here at Florey we like to consider ourselves “technologically advanced” (haha). We have a couple locations that hold our Insurance Kiosks where you can go to access our free quote service and speak to a licensed agent via webcam! This option is also available to those who would rather deal from home. If you don’t have computer access we still make housecalls and take regular phone calls. Any way you wish to do it, we’re here to accommodate you. So keep us in mind! www.floreyinsurance.com
Shark attact, get your life insurance
This is why you need life insurance!! Sometimes you do not know what can happen, so you need to be prepare for the unexpected. Florey Insurance Agency can help you save up to 70% on your life insurance and other insurance that you may want or need. For example, car insurance, health insurance, business insurance and many others.
New Pennsylvania Law Affecting All Home Improvement Contractors
Attention All Pennsylvania Home Improvement Contractors!
YOU COULD BE COMMITTING A THIRD DEGREE FELONY IF YOU DON’T KNOW ABOUT THIS!
The Pennsylvania Legislature has passed the “Pennsylvania Home Improvement Consumer Protection Act”, which will go into effect starting July 1, 2009, and will affect home improvement contractors immensely.
Under this act, all contractors in the state of Pennsylvania MUST register with the Bureau of Consumer Protection in the Office of Attorney General.
NO HOME IMPROVEMENT CONTRACT SHALL BE VALID OR ENFORCEABLE AGAINST AN OWNER UNLESS THE CONTRACTOR MAINTAINS THE REQUIRED PROOF OF LIABILITY INSURANCE.
The most essential part of this act is the REQUIRED proof of liability insurance covering personal injury in an amount not less than $50,000 and insurance covering property damage caused by the work of a home improvement contractor in an amount not less than $50,000.
THIS ACT APPLIES TO ALL TYPES OF HOME IMPROVEMENT WORK INCLUDING
- Repair
- Replacement
- Remodeling
- Demolition
- Removal
- Renovation
- Installation
- Alteration
- Conversion
- Modernization
- Improvement
- Rehabilitation
- Sandblasting
THIS ALSO APPLIES TO THE CONSTRUCTION, REPLACEMENT, INSTALLATION, OR IMPROVEMENT OF:
- Driveways
- Swimming Pools
- Pool Houses
- Porches
- Garages
- Roofs
- Siding
- Insulation
- Solar Energy Systems
- Security Systems
- Flooring
- Patios
- Fences
- Gazebos
- Sheds
- Cabanas
- Painting
- Doors, Windows, Waterproofing
There are 2 exceptions to this act:
1. The first exception for a contractor is a person for whom the total cash value of all of that person’s home improvements is less than $5,000 during the previous taxable year.
2. The second exception is a home improvement retailer having a net worth of more than $50,000,000 or an employee of that retailer that does not perform home improvements.
The act defines a contractor as “any person who owns and operates a home improvement business or who undertakes, offers to undertake or agrees to perform any home improvement. The term ‘contractor’ includes a subcontractor or independent contractor who has contracted with a home improvement retailer, regardless of the retailer’s net worth, to provide home improvement services to the retailer’s customers.”
The act basically defines home improvement as work done regarding land or a portion of land neighboring a private residence or building or a portion of a building which is to be used as a private residence for which the total cash price of all work agreed upon between the contractor and owner is more than $500.
For more information regarding registering or if you would like to discuss your insurance needs, give the people at Florey Insurance Agency a call at 1-800-231-3227 or email us at tflorey@msn.com.