Do I Need Full Coverage Car Insurance in Florida if I Have a Car Loan?

A typical auto insurance policy will include several kinds of different coverage. An independent insurance agent can give you great advice on the type and how much car or truck insurance in Florida you need. Before you start shopping for Cocoa Beach car insurance in Florida know the basic rules of insurance.

So Do I Need Full Coverage Since I Have a Car Loan?

Normally you will need to have full coverage on a vehicle if you are paying out on a loan. Florida will require you to have coverage that will meet the needs of a specified minimum. If you have a lien holder on your vehicle, you will be required to carry liability, collision, and comprehensive insurance.

It is not required by Florida to have full coverage insurance on your car. However, the requirement will be made by your lender or finance company. The lender is known as the lien holder, the car will remain their asset until it is completely paid off. This is the number one reason why they have a say in what insurance coverages you must have.

Let’s say you go out and drop the recommended coverage from your vehicle.  According to, you have now violated your contract, and now your loan is in turmoil. Your lender could simply add an interest charge to your loan or add a premium to the loan.

Speak to Your Lienholder

In order to find out if you have to have coverage on your financed vehicle, speak to the lien holder. You may also find the information you need on your paperwork. However, don’t be surprised when the answer is yes. Mostly all lien holders require you to have full coverage. If your car becomes damaged or totaled, and you do not have proper insurance to pay it, they will come to you personally to repair the car or pay it off in full. This is so much harder than having the insurance company take care of it.

In order to find the full coverage insurance you need, start your search here for Cocoa Beach car insurance in Florida. If you are looking for the best online auto deals, then collecting quotes is your best friend. It is easy to get the quotes you need. Simply visit any major insurance company website, enter the information required, hit the button, then receive your quote! Remember it is mandatory to have full coverage if you have a car loan. Get your quote today.

Posted in Car

How Can I Get Florida Health Insurance Now That Open Enrollment is Over?

We all wonder, how do I get health insurance once Open Enrollment is over? Health insurance coverage is mandatory in the US today. You must purchase it and online options make it easy.  Well not to worry, this a very commonly asked question. Let’s discuss what to do if you want Florida health insurance but missed Open Enrollment.

I Missed Open Enrollment

Many people mistakenly miss the open enrollment period. You definitely aren’t the only person to ever miss it.  One of your options when it comes to purchasing Fl health insurance from is with a special enrollment period.

 Special Enrollment Period

What is a special enrollment period? This can be described as a major life event taking place which results in you changing or adding on to your insurance. For example, a special enrollment period is described as losing your job, having a baby, getting married, aging off your parent’s insurance plan, etc. All of these will qualify as an exception to purchase the health insurance coverage that you need.

  • If you are looking to receive health insurance coverage by the special enrollment period follow these steps below:
  • Start an application. If you already know for sure that you qualify, start an application right now.
  • Before applying be sure to preview all plans along with the prices of each one.
  • Be sure to check which life events will qualify you for a Special enrollment period

A Short Term Medical Plan

You may also get the coverage you need from a short term medical plan. If you missed Open Enrollment this is another way to get the health coverage you need according to You should consider these key points when considering a short term plan:

  • They do not meet the requirements of the Affordable Care Act
  • They will not cover pre-existing conditions
  • Premiums can be based on your medical history
  • Your plan is not guaranteed, and you may be turned down
  • Short plans have a limit of three months

Now that you know a few ways to get covered. Go online and purchase that Florida health insurance plan you need! All it takes is some careful reading and planning! Getting coverage can be confusing but just remember to take your time. If you are looking to collect a few FL health insurance quotes try Insurance Quote Deals. Guaranteed the best insurance quotes on the web.

The Top Rated Homeowners Insurance Companies in Florida

Finding affordable home insurance in the state of Florida is not considered to be an easy task. The average premium annually for home coverage here in FL is an estimated $2,000. This is double the US average for home coverage. Let’s realize this now, Florida does have the most expensive homeowners insurance rates in the entire United States. Simply this is not anything new. Florida is vulnerable to the coast, which in turn leads to higher instances of destruction of property from hurricanes or floods.

Considering these factors, there are ways to get some more affordable rates online. Also, you may notice that location is everything for rates. Where your home is located, the age of it, and finally your insurance provider all have a say on what your monthly premium payment will be.

So who are the top-rated homeowners insurance companies in Florida? Keep reading below to find out.

The Best FL Home Insurance Companies

The first company is Florida Peninsula Insurance Company. This company is an FL home insurance provider. It is also one of the state’s top insurance companies in the homeowners market. The company became established in 2005 and also ranks among Florida’s top 10 carriers locally. One of the most common claims you will see is for hurricane claims. If you hold a policy here you can file claims by phone or online.

St. Johns Insurance Company is next. St. Johns is an FL company that is privately held and knows its home coverage products. Unlike the other homeowners insurance companies, this company can also provide you with property coverage. This company also has excellent customer service along with competitive pricing for their policies.

Finally, when it comes to the cheapest home insurance in Florida, Universal Property and Casualty is also a great company. Universal’s doesn’t seem to have a strong online presence. Not to worry though as Insurance Quote Deals can provide you with the quotes you need! However, this company can offer you the most affordable rates than other companies. The average annual premium for this company is around $1,500. This is around $390 lesser than the entire Florida average. Universal Property and Casualty also has top of the line customer service and a guarantee of help from a person.

Be sure to grab a few Florida home insurance quotes here. Great home insurance rates await you if you decide to choose one of these companies. Remember you may grab quotes from all three companies quickly from Insurance Quote Deals.