Month: April 2025

Car Insurance Issues for College Students

Posted on by AgentInsure

Auto insurance is a legal requirement for drivers in Florida. Many individuals have queries about car insurance and the policy options they should consider. If you reside in the Brandon, FL area and wish to discuss your auto insurance options, our team at Runnels Insurance is eager to assist. We have been serving drivers in your area since 1994.

Car Insurance Considerations for College Students

College students face numerous challenges, and those who drive must also make informed decisions about car insurance. Interestingly, the Affordable Care Act has enabled some Florida college students to pay a penalty instead of purchasing car insurance. Specific Florida colleges mandate that their students provide proof of insurance, purchased independently or by their parents.

Students who choose to opt out of insurance need to present a copy of a decline request. College students who don’t intend to drive can opt for an away-at-school discount, which serves as their proof of insurance for school. Full-time students may be eligible for discounts to maintain good grades and safe driving. According to Car and Driver, although college students may prefer their own car insurance policy, remaining on their parent’s auto insurance policy can reduce their share of the car insurance premiums.

Contact Us Today for Your Appointment

Regardless of your age, if you drive, you need auto insurance. Our team at Runnels Insurance is ready to help you prepare for the potential occurrence of an auto accident. Residents of Brandon, FL can find the auto insurance answers they need when they visit our office. Call us to schedule an appointment today, and let’s prepare you for the road.

How Much Commercial General Liability Insurance Do You Need?

Posted on by AgentInsure

Choosing the right amount of CGL coverage can feel overwhelming, but for many businesses, $1 million is a common starting point. It’s a solid foundation to protect your company against potential risks. That said, the exact amount you’ll need depends on the unique ins and outs of your business.

What Factors Influence the Cost of CGL Insurance? Did you know that $1 million in coverage could cost as little as $25 a month? Of course, the actual price tag depends on a variety of factors, such as:

  •  Your Industry: High-risk industries, like construction or manufacturing, often pay higher premiums compared to lower-risk sectors like consulting or retail.
  • Your Sales Revenue: The more money your business makes, the higher your potential liability, which can impact your premium.
  • ·Your Physical Space: Larger premises can mean increased exposure to risks, and this might influence your costs.
  • Your Workforce Size: Businesses with more employees or a larger payroll may see adjustments in their rates.

Why Do These Details Matter? Insurance providers look at these factors to gauge the risks your business might face. Tailored policies ensure you get coverage that fits your specific needs—offering protection without overpaying.

Why Do These Details Matter? Insurance providers look at these factors to gauge the risks your business might face. Tailored policies ensure you get coverage that fits your specific needs—offering protection without overpaying.

About Us Our agency proudly serves all of East Hillsborough County, including Riverview, Brandon, Seffner, and Valrico. With over 30 years of experience providing insurance services, we’re dedicated to helping you find the right coverage. We’d love to have you as part of our insurance family—call us at 813-653-0681 today!