Click to Call
Coastal Premier Insurance Group, Inc.

902 Clint Moore Rd. Suite 132
Boca Raton, FL 33487

Get Directions

Why Minimum Automobile Insurance Is Not Enough

Many people want to save money in their everyday lives. Some are worth it, while others aren’t. One of these things includes your car insurance. 

Though you may want to buy the minimum amount of car insurance, here are some reasons why it isn’t the best idea. 

Liability isn’t enough. Most states only require liability insurance. That means that it will only pay for medical expenses. It won’t help you replace your car if it is totaled. It may not even help you with your own medical expenses. 

Your deductible may be very high. In order to have cheap insurance, you may have a high deductible. This means that you may have to pay a few thousand dollars out of pocket, before the insurance company pays a single cent. 

Your insurance company may argue over claims.  When you choose a cheap plan, you may notice that your insurance company fights you over every claim. They aren’t going to want to shell out a lot of money, so they might reject your claim. 

Though you may want to save money, your car insurance shouldn’t be a place where you skimp. It is much better to get a plan that is over the minimum. Otherwise, you are going to pay a lot of money out of pocket, both for any repairs that you may need, and your deductible. You may only have liability, which means that you have to pay for everything else!  

If you are in Florida, you should contact us today at Coastal Premier Insurance Group to make sure that you have enough insurance to protect your family. 

Will Boca Raton, FL Umbrella Insurance Help Pay After a Car Accident?

Our team at Coastal Premier Insurance Group is proud to work with a number of Boca Raton FL residents and car owners to help them get them the right insurance coverage for their needs. One type of coverage that is less well-known but offers some significant advantages is umbrella insurance — and the one area where it most often comes in handy is in auto accidents.

Will Boca Raton, FL Umbrella Insurance Help Pay After a Car Accident?    

Short answer: Absolutely!

Umbrella insurance is insurance designed to protect policyholders from large and sometimes devastating liability claims or judgments. This type of insurance policy typically covers bodily injury, personal injury, property damage, and landlord liability, and what’s unique about it is that it covers it all.

This is because unlike an auto policy that only comes in play for automobile-related accidents or homeowner’s insurance that only comes in play for property-related accidents, an umbrella insurance policy can come into play in any such situation. This specialized policy will come into effect whenever any underlying liability limits, such as those from your auto insurance policy, have been met but the damages or lawsuit claims have not. 

So, for example, if you are in a car accident that was all or mostly your fault and your automotive policy won’t cover all the other driver’s property damages, then your umbrella insurance policy will enact. If your automotive policy limit offers to $50,000 property damage but the other driver seeks out $75,000 worth of claims, then your automotive insurance will pay the $50,000 and your umbrella insurance will cover the remaining $25,000 (or up to its own policy limits). 

Learn More About Umbrella Insurance

Contact our team at Coastal Premier Insurance Group to more about how umbrella insurance policies can come in real handy.

Does Car Insurance Cover Passengers in the Event of an Accident?

Auto insurance is something of a mystery to many people, and they often find themselves wondering what an auto policy covers. It is fairly obvious that it is going to cover your car and you in the event of an accident but does it cover passengers? If you live in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can tell you exactly what every policy covers.

A liability policy is put in place to protect the drivers of both cars involved and their passengers. Even the most basic liability policy is going to have some form of coverage for passengers within the car at the time of the accident. This is a built in fail-safe; it will help make sure that if you get into an accident, your passengers are not going to be left high and dry when it comes to paying for their medical expenses.

Many times, the state that you live in will have specific liability limits that your policy must reach in regards to covering you, the other driver, and any passengers that might be in the car at the time of the accident. In most cases, the amount of liability coverage for passengers is pretty standard with a minimum per passenger. You can always take out larger policies if you need to as well.

A full coverage policy is going to cover a larger sum and help to pay for pretty much every bill that the passengers have in the event of an accident. For you to legally drive your car, you need to take the time to make sure you have all the necessary insurance. The agents with Coastal Premier Insurance Group in the Boca Raton, FL area can answer any questions you might have about your auto insurance policies. Drop by our office or give us a call today.  

A Parent’s Guide to Buying Auto Insurance for a Teenager

Being the parent of a teenager is sometimes a challenging experience. As if this weren’t already stressful enough, your teen is starting to drive and now you have to start thinking about car insurance. Don’t stress out too much. There are several things you can do to make the process easier, save money, and ensure your teen is fully protected. 

Focus on Academics

Make sure your teen is focused on their academics. One way to keep insurance costs lower is to qualify for discounts. If your teen maintains a higher GPA, they may qualify for a good student discount. Just remember that they must maintain their grades as some insurance providers may require periodic verification to show that they still qualify for the good student discount.

Invest in a Driving Course

Consider investing in a driving course for your teen. These courses equip drivers with the skills they need to stay safe on the road. In terms of insurance companies, successful completion of these courses will often result in a discount, and in terms of your teen’s safety, their knowledge can help reduce their risk for an accident by teaching them to be defensive drivers while navigating through Boca Raton, FL.

Research Policy Options

Don’t solely focus on the idea of getting a separate policy for your child because you think it will keep costs lower. In some instances, this is the case. However, with some scenarios, a separate policy can introduce coverage gaps that can increase your teen’s liability, which ultimately becomes your liability. Coastal Premier Insurance group wants to guarantee you are confident when it comes to your teens auto insurance because accidents do happen.

Coastal Premier Insurance Group agents servicing Boca Raton, FL can assist you with these steps and many others to ensure you are paired with the right policy to suit you and your family’s needs.

Buying Auto Insurance for the First Time

Auto insurance can be a very difficult thing to traverse if you are not at all sure what type or amount of coverage you need. For those in Fort Lauderdale, FL, Coastal Wealth Insurance LLC and their helpful agents can find the right coverage for you, even if you are a first-time insurance buyer. Buying insurance for the first time can be tricky but with the right information, anyone can find the coverage they need.

What is Basic Coverage?

Basic coverage is what you are required by law to have on your automobile. This is liability coverage to help cover medical cost and deductibles if you are in an accident. Each locality is going to have a different set of laws and requirements that you must meet in order for your car to be street legal. It is important that if you are a first-time insurance buyer, you talk with an agent that knows how much insurance you need, what type of policy you need, and how to get you the coverage required for your car to be street legal.

Full Coverage

For those that are buying a new car or that are going to have a car with a lien or loan out against it, it is going to be necessary to have full coverage. This is going to cover the cost of medical bills up to a certain amount, the cost of your deductible, and the cost of replacing your car. There are tons of different levels of full coverage insurance and for first-time buyers, it is always helpful to talk with an agent. If you live in the Fort Lauderdale, FL area, the agents at Coastal Wealth Insurance LLC can help you find the coverage that you need to be legal and to be covered.