Driving in the Rain: 3 Things to Know

Driving in the rain, whether it is lightly misting or flooding, is anxiety-provoking. As a result, it is important to focus on ways to make driving in the rain less of a white knuckler, and here a few tips to put you on a safe path.

Watch Out for Hydroplaning

The more it rains, the more water that begins to pool on the road. Unfortunately, knowing how deep a puddle is before driving through it is next to impossible. Hydroplaning occurs when your tires no longer have traction with the road because of the excess water below them. When hydroplaning happens, your vehicle will lose control and begin to slide. It takes very little rain for hydroplaning to occur and vehicles with tires that are more worn are more likely to skid. If you start to hydroplane, immediately take your foot off the gas and keep the steering wheel straight. Although counterintuitive, if you begin to spin turn the wheel in the direction of the spin but whatever you do – avoid making quick knee-jerk reactions with the steering wheel. 

Check Your Headlights

While it may sound obvious, you’d be surprised at the number of people that forget to turn on their lights during the rain. Not only is it required to have your headlights on in the vast majority of states when visibility is low, but also it forces you to pay more attention to your surroundings. 

Slow Your Roll

Remember that speed limit signs are set for optimal conditions and rain makes for subpar experiences. Consequently, slow down and consider using your four-way flashers to alert other drivers coming from behind that you are driving slow to avoid potential rear-end collisions.

For all your auto insurance needs, give B & G Insurance in Miami, FL a call for unparalleled service and a commitment to excellence.  

First Time Buying Auto Insurance? Here are 3 Tips to Help Save Money

Before you register your new car, you’ll need to purchase auto insurance in Miami, FL. The first time buying auto insurance can seem daunting, but the process is simple and straightforward. You may think it’s expensive, but agents work with you to find a policy for a price you can afford. Just consider these three know-how tips to save money on auto insurance brought to you by B & G Insurance that will ease your mind about the cost.

1. Bundle All Your Policies

To make your new auto insurance policy more affordable, bundle it with your other policies. Perhaps you have a home, renter’s, recreational, or other types of insurance. Take these and bundle them under one carrier for savings on your premiums. Be sure to ask your agent about other ways to save money on auto insurance.

2. Shop Around

You don’t want to overpay for insurance. For this reason, it’s wise to compare several quotes before choosing a policy. You don’t want to rush into the first policy of your review because there may be another policy out there with equal or better coverage for a lower price. We recommend comparing three to five quotes at the minimum to find the right policy.

3. Use a Reputable Agent

To make the most out of the tasks outlined above, use a reputable agent from B & G Insurance who is available by phone to answer all your questions and concerns, help you compare quotes, and help you bundle your policies under one carrier. 

To learn more about purchasing auto insurance in Miami, FL, contact us today. 

Home Insurance: Getting Your Home Ready For Winter

You need to make sure that you do everything that you can to prepare your home for winter in Miami, FL. This includes not only prepping your home physically but also protecting it with home insurance. Insurance agents at B & G Insurance are here to assist you every step of the way.

Winterize Your Home

When you’re in Florida, there’s no need to worry about pipes freezing or ice building on your roof. However, you should still prep for some colder weather. Be sure that your AC has been inspected recently so that it can be switched over to heat without cause for concern. Further, it can be beneficial to have tarps or large blankets around to cover landscaping when there’s a frost warning in place.

Protect Your Home

You should also have a look at your home insurance policy. Is it as sufficient as you need it to be? Particularly when you’re planning on having a holiday party, you want to look to see if you have enough liability coverage. This way, if someone gets injured at your home over the holidays, you have the coverage when you file a claim.

There are all sorts of ways for you to protect your home with a reliable home insurance policy. This includes looking at what is covered in your home in case you have made recent home additions. The good news is that there’s no reason for you to go through the process alone. You can get the help of a professional agent to answer questions and ensure you have sufficient protection.

Learn more about ways to keep your home protected by calling us at B & G Insurance. One of our agents can help you build a custom home insurance policy for you in Miami, FL.

Is it Time to Upgrade Your Auto Coverage?

Humans are creatures of habit, and once they do their research and make their initial decision about insurance coverage, they usually tend to just stick with what they know. Rolling over your policy year after year without review can lead to unwanted surprises down the road when your policy doesn’t keep pace with your current needs. Upgrading an auto policy may be necessary for you and your family if any significant changes have occurred in recent months or years. Residents in the greater Miami, FL area can rely on B & G Insurance to help them review their auto insurance options and determine which is right for their needs.

Is it Time to Upgrade Your Auto Policy?

If you have added new drivers or vehicles onto your policy, or it’s just been a while since you’ve taken a look at your auto insurance policy, it’s probably time for an upgrade. Increased coverage limits can help make the recovery from an accident less stressful. There are also many optional features that can help your life go more smoothly, such as rental car coverage and roadside assistance. We also recommend enhanced medical coverage as well as additional protection from under and uninsured drivers. If you want the peace of mind that comes with knowing you have a comprehensive auto insurance policy, it’s time to consider an upgrade. Florida auto insurance guidelines are the minimum requirement, and there are a lot of benefits that come with an upgraded, comprehensive policy.

Auto insurance isn’t one-size-fits-all and it may be time for you to upgrade your current policy. If you’ve had the same insurance for a while, contact B & G Insurance today to find out the auto insurance options available in the greater Miami, FL area.

3 Ways to Keep Auto Insurance Costs Low with a New Teen Driver

You and your teen have waited for years for this milestone, and the day has arrived that they can obtain their official driver’s license. As exciting as this milestone may be, it can also bring about one big concern: a spike in your auto insurance because teen drivers can be risky to cover. Thankfully, there are a few things you can do to keep the costs of your auto insurance from B & G Insurance in Miami, FL as low as possible in spite of having a teen driver listed on your policy.

Take Advantage of Multi-Car Discounts

If you will be buying your new driver a vehicle of their own, make sure you look at multi-car discounts that may be available for doing so. Likewise, you may be able to bundle other forms of insurance to save money on your overall policy. For example, if you have renter’s insurance through a different carrier, it can be worth changing companies to reap a discount and help with savings. 

Look for Good Student Discounts 

Good students may be eligible for auto insurance discounts through some insurance companies if they have the good grades to prove they are a responsible student. When you work with a B & G insurance agent to obtain a quote for auto insurance in Miami, FL, they will be able to tell you if these discounts could be a possibility. 

Pay Your Policy Term In Advance 

It is always cheaper if you can pay for your full term of auto insurance in advance. Even though it is more money all at once, you can usually get a substantial amount of savings by paying for a full six-month policy in advance. 

For more information about auto insurance in Miami, FL, reach out to B & G Insurance for professional guidance.