Cheap Insurance Fort Lauderdale

A Town Of Beautiful Beaches

 

 

Fort Lauderdale is known as a prominent town on the southeastern shore of Florida.

Facing the Atlantic Ocean, there are vast amounts of boating opportunities here.

Fishing is a great sport which many residents partake in.

Known for its beaches and boating canals, this city prospers by way of water.

An upscale community, this city thrives on tourism and brings people here from all over the world because of its beauty.

Close to Miami, the greater area holds about 6 million people but Fort Lauderdale itself consists of about 168 thousand people.

There was an average of around 12 million visitors last year alone, making it one sought after location.

The beautiful river canals of this city flows straight through the downtown area.

Boats park along the banks and people enjoy meals and shopping on the weekends.

It is a place of convenience and appeal for all ages.

If you plan on having a family, you might want to consider Fort Lauderdale your home.

There are an abundance of parks and museums as well as a family friendly atmosphere.

The location is key, and Miami is not too far away.

You’ll enjoy spectacular views of glorious sunsets and beach goers sunbathing.

Schools here thrive from the economic development and great real estate markets.

School shave more money and therefore the children get more opportunities.

Whether you are purchasing a home in Fort Lauderdale or simply trying to get to work, insurance is a must.

Finding the best cheap insurance Fort Lauderdale residents need doesn’t have to be hard.

 

How Do I Get Insurance In Fort Lauderdale?

 

 

The best way to start looking for insurance is to talk with a broker.

Brokers are there to work for the consumer which is you!

Instead of working for the insurance company, they are dedicated to finding the consumer a great deal on insurance.

Not only are brokers educated in insurance, but they have a vast network of providers they work with.

You will also want to be informed on the laws in Florida. Every state is different and insurance can get confusing.

Know your rights and understand the state requirements.

Let’s take a look at what you might be looking for when it comes to insurance and your families protection.

 

 

Insurance Requirements Fort Lauderdale

 

 

Car Insurance

 

Car insurance is a must anytime you drive in the state of Florida.

There is a minimum amount of insurance necessary to operate a vehicle.

You can get anywhere from the minimum coverage to full coverage.

If you have a loan out on a car or lease one, most banks and lenders make you carry full coverage.

 

Here are the minimum requirements in the great state of Florida:

 

  • Florida state is a “no-fault” state. This means that an individual’s insurance company covers their losses regardless of fault.
  • Florida requires a minimum of $10,000 for Personal Injury Protection.
  • Florida also requires a minimum of $10,000 Property Damage Liability.

 

  More coverage may be necessary, so here is what you might want to feel fully covered:

 

  • Collision coverage which will pay for you and your own car in an accident. Even though Florida is a no-fault state, there may still be damages or medical expenses that need to be covered.
  • Comprehensive coverage will cover things such as theft and smaller damages not incurred in an accident.
  • Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
  • Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
  • Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
  • Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.

 

Ask your broker about what discounts you might qualify for.

Bundling more than one policy with the same company could save you quite a bit.

Call a helpful representative today and start your insurance journey tomorrow!

You need the cheap car insurance Fort Lauderdale drivers want.

 

Car Quote

 

Motorcycle Insurance

 

Most states require you to carry at least a minimum amount of insurance when riding a motorcycle.

Florida is different. You are not required to carry insurance in the state of Florida when you own a motorcycle.

However you are required to show proof that you have financial responsibility if an accident were to occur.

This might sound tricky, but it isn’t that hard.

This law does however leave you stranded. If you get into an accident, you have no insurance to cover your own damages and medical payments.

This is why it is always a smart idea to have motorcycle insurance even if it isn’t the law.

Get the best cheap motorcycle insurance Fort Lauderdale riders need today.

 

These are some ways that you can show financial responsibility as a motorist:

 

  • Purchase liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.
  • Obtain a Financial Responsibility Certificate from the Bureau of Financial Responsibility after you:
    • Post a surety bond with a state-licensed company.
    • Deposit cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).

If you think that this isn’t enough protection, you might be right.

Calla broker today and find out how you can attain full coverage.

Here is what full coverage looks like:

  • Liability coverage which covers the other party int he accident if you are at fault.
  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.

 

Don’t sell yourself short. Get the very best insurance possible.

Riding a motorcycle is already a risk.

You could have a free quote within minutes!

 

Cycle Quote

 

Homeowners Insurance

 

Purchasing a house is a big deal.

You have waited a long time for this to happen and you have worked hard for it.

Protect your biggest asset by having the best cheap homeowners insurance Fort Lauderdale residents deserve.

The best part about owning a home is the security in knowing that it is yours.

However many banks and lenders will make you carry homeowners insurance.

The state of Florida does not have a law on this, but most likely you’ll need the extra protection.

 

What is homeowners insurance and why do I need it?

 

Here are the basics:

  • When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
  • Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.
  • You have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
  • Not every type of damage is covered by homeowners insurance. Ask your agent if you have something specific you would like covered.
  • You could save money on your home insurance if you have an alarm system, a sprinkler system or anything that protects the home. Installing these could shed real dollars off of your premium.
  • Know your rights as a consumer and ask your broker about other home owners discounts today!

 

If you plan to purchase a home and use it as a rental, encourage your renters to carry renters insurance.

Call today and get approved for a great homeowners policy with Cheap Insurance.

 

Home Quote

 

Life Insurance

 

You might nor realize it now, but you could give the gift of financial security to the ones you love.

When you pass, make sure that the grieving is tempered.

Don’t leave your family to pay off your debts and obligations.

Give them the protection they deserve even after you leave.

A great life insurance policy has done this for millions of people in the United States and it can help you too!

Life insurance is a contract that ensures your money will be taken by a beneficiary of your choice.

Get the very best cheap life insurance Fort Lauderdale families deserve.

 

How Do I Know If I Need Life Insurance?

 

  • Life insurance is about planning ahead. It can provide financial security to those you care about, cover medical bills, funeral costs, mortgage, on other living expenses. If you are the primary provider for others, it can also replace your income for them, or give them money for college or other expenses. It can even be used to earn a cash value that you can withdraw or borrow against later.

There are a couple different types of policies you could have.

  • Term life insurance is a product that is called temporary because it’s meant to protect you for a certain amount of time.
  • It comes in forms of 5 year term, 10 year term and all the way up to 30 and sometimes 40 year terms.
  • Permanent life insurance is a life insurance product that can provide life insurance protection for your entire life. Depending on the type of product or company, it can range from  coverage to age 90, 100, 121 or lifetime.

 

Talk to your family about the benefits of life insurance.

You could have a policy written up in minutes.

Pay less than $100 a month for a great policy.

You can be covered for 50 thousand dollars or a million dollars.

Don’t sell yourself short. You could change a life with life insurance.

Get your instant free quote by clicking on the link button below.

 

Life Quote

 

Health Insurance

 

Having a great doctor is essential for a healthy life.

Health insurance is mandatory in this country and although most people don’t know it, it is also affordable.

Rates for health care coverage are based on income.

This means that the more money you make annually, they more you pay for health insurance.

This also means that if you don’t make much money at all, you can still be covered.

Health insurance is a great way to protect you and the ones you love.

Get check ups and fight for your life with good health care coverage.

Have the best cheap health insurance Fort Lauderdale families should have today!

 

What is health insurance?

 

  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • To qualify for government healthcare, one must meet a financial criteria.
  • We have a large network of providers fro you to choose from.
  • You can lower your premium by raising your deductible and save monthly.

Save time and money by calling us today and get your free quote in minutes!

 

Health Quote

 

Renters Insurance

 

Even if you don’t own the house that you live in, it is still your home.

You need to protect yourself from theft and liability by having renters insurance.

Don’t sell yourself short.

Your landlord cannot protect you! In most cases a landlord will not carry enough insurance to cover the belongings inside the home as well.

This is where renter insurance can help.

If you have a dog or there is a pool in the premises, life insurance could mean a huge liability saver for you.

Here are some basic facts about renters insurance:

 

  • A basic liability coverage is $100,000 of coverage for $50 a year. This is quite a steal, but you should have it. You can always raise the limit to $500,000 a year.
  • Liability coverage usually covers if your dog bites someone as well.
  • Sometimes renters insurance even covers your things if they are stolen outside of your apartment or home.

 

Don’t waste time. Get the best cheap renters insurance Fort Lauderdale renters are looking for.

 

Renters Quote

 

SR22 Insurance

 

If you are trying to recover from a DUI or revoked license, SR22 insurance is essential.

You need to get back on your feet but Florida state law says that you need this financial responsibility document for at least three years.

Don’t worry, the brokers at Cheap Insurance can help you through this process and file all of the proper paperwork.

Not only will you need to stay current on your Sr22 insurance but your regular car insurance needs to stay updated as well.

Do not lapse on your payments for car or motorcycle insurance, even if you aren’t driving.

The best thing you can do, is follow the laws and wait it out.

 

What is the next step?

 

  • The first thing you need to do is contact your car insurance company. In most states there is a $15 to $25 fee to file the SR22.
  • To obtain an SR22 filing, you must purchase minimum liability coverage on all vehicles registered to you, whether they are operational or non-operational. For those who do not own a vehicle, “non-owners” liability coverage is required.

 

Get the best cheap SR22 insurance Fort Lauderdale drivers need and get your life back.

We can help you with this.

Call today and know you are protected.

 

SR22 Quote