by TrueWay Insurance | Jul 8, 2019 | auto insurance quotes
When it comes to affordable car insurance, do you know the difference between standard and camper? The professionals at Trueway Insurance are here to compare car insurance that way you get an excellent understanding of how each one works. When it comes to commercial auto insurance, we are the professionals you can rely on. We are conveniently located in Palm Springs.
What’s The Difference?
Although a recreational vehicle, or RV, is similar to a car in many ways, this does not mean the insurance will be the same. The insurance needs for the two types of vehicles differ. Limiting your RV insurance to a typical auto insurance policy would leave you with dangerous gaps in coverage.
You Need To Compare Car Insurance
Special RV insurance is designed to fill in the gaps left when an RV is covered under a standard car insurance policy. This type of insurance often covers total loss replacement (or agreed value), along with emergency expenses, campsite liability, tow-truck coverage, and full-timer liability.
RV, or camper, insurance typically features higher liability thresholds than standard auto insurance. This is due to:
- The additional size and difficulty handling
- The fact RVs are used as a primary residence
- The higher cost of owning and operating
Another difference is that, unlike car insurance, most RV insurance policies can be suspended while the RV is in storage, providing cost savings for RV owners.
Some RV insurance policies cover expenses that owners incur while the RV is being repaired. Typically, two conditions must be met for this coverage to go into effect:
- The losses must have occurred within a specific distance from the RV.
- The losses must have occurred while repairs were being made to the RV.
For example, covered expenses may include interim housing and meals while repairs are being made, or the cost of travel back to a stable residence.
Get Commercial Auto Insurance With Us!
We are the best in the business! As an independent insurance agency, TrueWay Insurance takes pride in offering superior customer service. Let us assist you in finding the coverage for your car insurance, home insurance, and business insurance needs. We sell insurance anywhere in the Sunshine state of Florida, including Miami, Broward, Palm Beach, and Lucie County. We are proud to offer competitive prices for all your insurance needs!
Call Us Today For Commercial Auto Insurance!
Trueway Insurance is an insurance company located in Palm Springs. We offer the best affordable insurance in Florida. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best insurance companies today!
by TrueWay Insurance | Jul 5, 2019 | auto insurance quotes
In some states having auto insurance isn’t required. There are a number of places that will let you have alternatives to buying an insurance policy, which may sound like a good idea since it will save you from having to search to find the best auto or home insurance quotes out there. However, other people are raising their eyebrows over the issue and questioning whether or not this is actually helping or hurting you in the long wrong. Trueway Insurance in Lake Worth wants to make sure you have all of the information and details you need before hitting the road.
Understanding Auto Insurance Alternative and What They Mean For You
People spend an endless amount of time online searching for the best auto and home insurance quotes to make sure that they are getting the best deal out there, but what if you didn’t have to waste time anymore. Unlike homeowners insurance, most places require drivers to get car insurance. However, this is changing! There are now alternatives available to drivers, so they don’t have to buy an insurance policy.
The way these alternatives work is each state that decides to make these available to their residents come up with their own requirements. What this means, though, is the rules and requirements may change every time new legislation gets put into place. There are certain states throughout the U.S. where you don’t necessarily need car insurance, but you need to be able to prove that you have the financial means and resources to cover any costs that may be acquired because of an at-fault accident, however, if you’ve been arrested and found guilty of a DWI you may be required to have actual insurance. In Mississippi, there is minimum liability insurance that has been in effect since 2000. Drivers may be able to meet the requirements with just a cash or security deposit. Arizona has similar options available to their drivers where minimum insurance requirements are in place. If a driver doesn’t have insurance, they may also be able to prove financial responsibility with a $40,000 bond. If you reside in Virginia, you have the option of registering your car as an uninsured vehicle. When you choose to do this, there is an Uninsured Vehicle Fee of $500 that needs to be paid, and it is good for up to twelve months.
You may be wondering why liability insurance is such a big deal when it comes to covering drivers. The easiest way to think about insurance is to picture liability insurance as an umbrella that covers all expensive costs that can come with a car accident. Liability coverage will not only cover property, but it will also cover any personal injuries. A few years back, liability insurance covered almost $17,000 for bodily injuries and about $3,000 for property claims.
Contact Us For Home Insurance Quotes
Trueway is a leading auto insurance provider in the Lake Worth area. We are here to help our customers understand how to find cheap auto insurance as well as the measures they can take to ensure their cars are protected. If you’re tired of shopping around for home insurance quotes, call or visit us today for more information.
by TrueWay Insurance | Jun 27, 2019 | affordable insurance
You may have heard the term before— “specialty insurance” – and thought it wasn’t for someone like you. After all, it sounds more like an insurance athlete looking to cover loss of income in cases of injury that could end a career or coverage that a billionaire gets for situations of kidnapping or extortion. Do you have a motorcycle? A boat? What about classic cars or RVs? Maybe you have a house for rent. In all of these examples, you need additional auto insurance quotes from specialty insurance. Trueway Insurance of Palm Springs is here for providing the best quotes for your needs.
Why Do I Need Specialty Insurance?
In the situation that you have a motorbike or large boat, you may require special protection that goes beyond what can be provided by standard insurance policies for vehicle owners as well as homeowners. Reason being, there is additional danger involved in those two types of travel. Another example where you may need extra insurance is if you’re a landlord. If you are a landlord and you decide to expel your tenants, you can be sued. Homeowner’s policies do not cover this – but the Homeowners Protection policy applies.
If you own a boat, your country may not require you to have insurance for it. But homeowners policies often only provide limited protection (if any), and usually do not cover injuries or accidents that occur on the water. The coverage of a water boat protects you from theft, liability and more.
Perhaps the most common specialty coverage is the umbrella, which provides an extra layer of protection outside of your home and car policy. Say you are responsible for an accident with many injuries. Your automatic liability limits may not be enough to cover all those expenses, which means you might be on track for additional costs. The umbrella policy is designed to start at that time, paying an amount above your other policy limits.
Why Choose Specialty Insurance?
Here we can discuss almost all of your “toys” – boats, motorbikes, classic cars, RVs, even golf carts and snowmobiles. We will provide the protection you need if you are an owner or just want additional protection from the umbrella policy.
Our coverage is different. Two examples: For auto insurance quotes, we include replacing lost or damaged safety clothing in collisions at no extra cost, and without deduction. And classic cars and ships are insured for “agreed value” – that means that if there is a total loss, your payment is based on the value we agree when you buy a policy, rather than a complicated depreciation formula.
You can benefit from reducing our single loss. Large losses can impact many policies – for example, storms can damage your home and car. But if you have a homeowner policy that matches your other coverage, you only need to pay one deductible, no matter how many policies are affected.
Contact Us
If you want to learn more about the specialty insurance coverage available to you, Trueway Insurance can offer you trusted expert advice. We will be happy to help you with information about why you need it and help you choose the right type of auto insurance quotes with a qualified provider of Palm Springs.
by TrueWay Insurance | Jun 13, 2019 | home insurance quotes
When you’re shopping around for home insurance quotes, it is no surprise or secret that the quote changes depending on who you’re talking to and what you’re looking for. Everyone wants to find affordable insurance, but not everyone knows what to do to get that. That is where Trueway Insurance in Lake Worth comes into play. They can help you better understand what can help you get the quote best and rate possible. Keep reading to find out more!
How To Find The Best Home Insurance Quotes
Not too many people know that in order to get affordable insurance, there are a few things that you should do. Before you even call a company to come to look at your home or talk to you about what you’re looking for you should do a few minor things to ensure that your home is in the best shape possible so you can get the best price possible. If your home has drafty windows, leaking faucets, or even dirty air filters, your home insurance quote can be affected. These issues aren’t just annoying to deal with and handle, but they also cost you money because they are decreasing your home’s energy efficiency and they also aren’t helping you get a lower home insurance rate.
The Environmental Protection Agency estimated that homeowners have the opportunity to save anywhere from five to thirty percent on their annual energy costs if they simply installed new technologies into their homes that would make their house operate more efficiently. If five to thirty percent doesn’t sound like a significant amount of money to you, the agency estimated that with average energy cost that percentage could range anywhere from $105 to $627 for the year. Once there is a number attached, more and more people seemed interested. Checking your energy efficiency isn’t a difficult thing to do even if you aren’t the handiest person in the world. You can easily follow some of the tips below to check and see how efficient your home is!
One of the first things you want to check is whether or not the air is escaping from your house. This usually happens through small gaps in the walls, doors, ceilings, and windows. A sign that this is happening would be if you feel like you’re running the heat or air conditioner all the time in your house, but it’s never getting completely warm or cool. Also, you’ll want to make sure that your walls and ceilings are properly insulated because this will cause the air to escape as well. Another thing you can do is to change out the light bulbs in your house to something that is more energy efficient like LED lights. They use roughly 90 percent energy, and some can last up to fifteen years without needing to be replaced.
Contact Us For Affordable Insurance
Trueway is a leading insurance provider in the Lake Worth area. We are here to help our customers understand how to find cheap auto insurance as well as the measures they can take to ensure their cars are protected. If you’re tired of shopping around for home insurance quotes, call or visit us today for more information.
by TrueWay Insurance | Jun 11, 2019 | auto insurance quotes
When you begin to research information about auto insurance, you may find yourself confused rather quickly. It does not help that there is a lot of jargon and phrases that you are not familiar with. Here at Trueway Insurance, we are here to explain some general insurance terms to help you get a better understanding. When it comes to cheap auto insurance and car insurance quotes, we are the professionals you can count on. We are conveniently located in Palm Springs.
Auto Insurance Terms You Need To Know
- Aftermarket parts: Vehicle parts made by a different company than the one that manufactured those originally included with the vehicle.
- Bodily injury coverage: Covers expenses for physical injuries, such as hospital bills or medical care.
- Collision coverage: This pays for damage to a vehicle caused by you or someone else covered by your policy.
- Comprehensive coverage: If your vehicle is damaged by something you could not control, such as fire or a tree falling, comprehensive coverage applies.
- PIP (personal injury protection): This pays medical expenses for a policyholder or additional insured, and their passengers, if they are hurt in an auto accident, regardless of fault.
- Uninsured/underinsured motorist (UIM): Pays for your damages and expenses if another driver is at fault in an accident but does not have enough insurance to cover your costs.
Do not forget about these other general insurance terms that you need to know to get a better understanding:
- Actual cash value: This type of coverage pays according to what an item was worth at the time it was damaged—it takes the depreciation and wear and tear into account. For example, if you could have sold your couch for about $200 just before it was damaged, that’s the actual cash value, even if a similar new couch would cost $1,000.
- Actual replacement cost: This pays the amount it would cost to replace a damaged item with a new one (such as the $1,000 couch above). It does not factor in depreciation or wear and tear.
- Adjuster: A person who works for an insurance company to evaluate losses and settle claims.
- Additional insured: Someone who is not the policyholder, but is still covered by an insurance policy.
- Declarations page: This is what creates a contract between you and the insurance company. It describes who owns the policy, what property is covered and for how much, etc.
- Deductible: The amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if the cost to fix your car is $2,000, but your deductible is $1,000, you would pay $1,000 of the total cost. Typically, a higher deductible means a lower premium.
- Endorsement: This is a change to your insurance policy’s coverage, usually made through a special form.
- Exclusion: Something specifically listed in your policy that is not covered by the policy.
- Liability: Your responsibility for injuries or damage to other people or property. You purchase insurance to protect against liability and other risks.
- Loss of use: When damage from an accident or other cause prevents someone from being able to live in their home or drive their car.
- Med Pay (medical payments): This pays for medical expenses for those covered by your policy in the event of an auto accident, regardless of fault. It also covers medical expenses for guests if they are injured on your property, but unless it is a car accident, it usually does not cover injuries someone suffers on their own property.
- Premium: The amount you pay for an insurance policy.
- Subrogation: When an insurance company pays a claim, and then seeks damages from a third party who was responsible for causing the damage or loss. For example, your insurance company might pay for your car to be fixed even though the accident wasn’t your fault—and then pursue reimbursement from the person who was at fault.
- Term: The period of time your insurance policy is in effect, usually six or 12 months.
- Umbrella: A policy that provides additional liability coverage. It kicks in after your other insurance policies have reached their coverage limits.
- Underwriting: The evaluation process insurance companies use to determine if they will provide coverage to a customer.
Get Cheap Auto Insurance From Us!
Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Florida. This includes those looking for cheap auto insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. Take advantage of our car insurance quotes. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best insurance companies today!
