car insurance

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.

Tips for Filing a Claim After a Hail Storm

Posted on by AgentInsure

Many people go their entire lives without ever having to file a claim for hail damage on their vehicles. However, for those who do, they can testify to the fact that having insurance is of the utmost value when a hail storm takes place.

It's important to realize, though, that not just any car insurance policy will pay for hail damage. It's because of this that you need to speak with one of our qualified agents serving the 33511 area to make sure you are adequately covered.

Paying for hail damage out of your pocket can easily cost upward of $2,000. From having to pay to have the dents popped out to having clear coat and paint reapplied, you will be so happy that you have insurance to cover the associated costs for you.

In order for your insurance to pay out for hail damage, you will need to purchase a liability policy that has comprehensive coverage added on. Or you can invest in a full coverage policy. In Brandon, FL, because the weather can be so extreme, it's highly advised that you have full coverage, and this especially applies if you have a vehicle that is worth a high dollar amount.

A quick conversation with one of our agents can help point you in the right direction in regards to purchasing a policy that will work best for you. If you find that you cannot afford a full coverage policy, make sure you at least invest in a liability and comprehensive policy. . Best of all, you very well might find that adding on comprehensive coverage can possibly cost less than $30 extra a month.