Handling Flood Conditions While Driving

Driving in heavy rain and flooding conditions in the Longwood, FL area can be hazardous. The excess water can damage your car, cause it to stall, or cause you to have an accident. The best choice is to wait, but if you must travel during heavy rains and flooding conditions here are some wet weather tips to help keep you safe.

  • Take a little extra time to drive slower and expects delays from possible traffic congestion. Keep in mind stopping distances can be at least double because your tires will have less grip with water on the roadway.
  • Take time to size up standing water before driving through it.  What may appear to be a puddle, can end up being deeper than it appeared initially.
  • If you suspect it’s too deep for your vehicle or you can’t be sure, find an alternate route.  Modern doors seal well and will likely keep the water out, but it will also cause your vehicle to be buoyant, and it will lose contact with the ground.
  • If the water is shallow enough to drive through, take it slow so too much water doesn’t get into the engine compartment and cause it to stall or damage the electronics.
  • Once you exit, pause for a moment to allow excess water to drain off the car. It’s a good idea of gently push the brake pedal to when exiting to create a little friction heat and burn off excess moisture.

Blanchard Insurance

The agents at Blanchard Insurance in the Longwood, FL area want you and your passengers to travel safely. We also want to be there in case you have an accident to have the coverage you need. Contact one of the Blanchard experienced agents today to discuss your auto insurance options. 

Five Factors That Impact Your Auto Insurance Rates

Motorists in Longwood, FL are always looking for ways on how to save on their auto insurance premiums. But, before you cut down on coverage or increase your deductibles to save a few pennies every month, there are safer ways to control your rates without sacrificing coverage. Insurers look at numerous criteria when determining a driver’s premium, and the consumer can control a good number of these.

A handful of common factors that impact auto insurance rates include:

Age

If you’re under 25, you can expect to pay more as you’re inexperienced on the roads. Once you start driving in your golden years, you can expect to pay more, too. However, there is a sweet spot for those aged 25 to 65.

Occupation

While you may be thinking that your job has little to do with your auto insurance, the insurance industry found that drivers with certain occupations are safer on the roads, and therefore, less likely to file a claim. Doctors, nurses, and firefighters are among those who could enjoy lower premiums.

Mileage

Quite simply, if you’re on the roads more, there’s a higher chance that you’ll be involved in an accident. If you’re driving many miles to and from work during rush hour, you may face higher premiums than those who work from home.

Location

If you leave your car outside overnight in an area with high theft and vandalism rates, expect a pricier premium.

Vehicle Safety

Safe cars on the road mean fewer accidents. Vehicle safety features can include those that prevent collision and theft.

Talk to the Blanchard Insurance professionals who can help you find the right auto insurance to suit your needs and budget. Visit Blanchard Insurance, serving motorists in Longwood, FL and beyond today.

Top Auto Insurance Myths

Auto insurance is a necessity in Longwood, FL. Even if you think you know everything about it, you probably don’t. In fact, there are many myths about auto insurance that are constantly going around. To help you become more educated on what is true and false, Blanchard Insurance has compiled a list of some of the most common myths.

  • Your Credit Score Has Nothing To Do With Your Insurance Rate. Having a poor credit score can directly impact your rate. The lower your score, the more likely it is that you will end up paying more for auto insurance. Many insurance companies actually use this to help determine how likely you are to continue paying the cost every month.
  • Red Cars Cost More to Insure. Have you considered not getting a red car because you thought it might cost more in insurance? You may have made a mistake because the color of a car has nothing to do with it. What is taken into account is the made, model, age, engine size, and body style of the vehicle as well as the age, driving history, and credit score of the driver.
  • If Your Car Is Totaled, It Will Be Paid Off by Insurance. This is not completely the truth. In fact, insurance will be for some but they look at fair market value. This takes into account the original cost as well as the depreciation. This can sometimes mean that there is a gap and the rest will need to be paid for by the driver. Gap Insurance is a good alternative to prevent this.

If you are thinking about getting a new auto insurance policy or are interested in making sure you are not paying too much, you can reach out to Blanchard Insurance serving Longwood, FL.

How to Determine if You Have Enough Coverage

Your home insurance is something that makes a huge difference in how you live your day to day and how secure your home is in the case of a disaster. There are some different ways that you can test to see if you have enough coverage that can help you make sure you have the right policy each and every time. For those that live in the Longwood, FL area, the agents with Blanchard Insurance can help you find the right policy for you.

The first way to determine if you have the right coverage is to have your home assessed in terms of value. This is going to tell you how much your home is worth so that you can then determine how much it would cost to rebuild in your current economy. You then need to discuss with your agent how much your home is worth and how much coverage you really need.

Another tip is to think about any updates or upgrades you have made to your home. If you have upgraded your home recently you likely need more coverage. If you have added valuable contents to your home you may also need more coverage. You also want to keep property values in mind and how much risk your home is at. If you live near water, for instance, you might want to consider flood insurance. If you live near a factory you might want to get a bit more coverage as well.

Taking the time to figure out how much coverage you need is one real factor that people need to consider in order to make sure you are covered. The wrong home insurance could be a disaster. For those in the Longwood, FL area, the agents with Blanchard Insurance can help you find the right policy.  

Minimum Auto Insurance Requirements for Florida Drivers

Every Florida driver is required to purchase auto insurance, and they must have a minimum amount of coverage to legally drive in the state. You must also provide proof of insurance coverage before you can register your vehicle at the DMV, and you may have to purchase additional coverage if you have been found guilty of certain criminal offenses.

If you want to find the best auto insurance rates in Longwood, FL, it’s important to shop around, and be sure to take advantage of any online resources that may be available. You should also take a look at what’s available at Blanchard Insurance. They will be able to find a plan that will meet your needs and fit your budget.

The state of Florida requires any vehicle with four or more wheels to have the following coverage:

•    At least $10,000 in Personal Injury Protection (PIP)
•    At least $10,000 in Property Damage Liability (PDL)

The Florida DMV may ask you to purchase an additional amount in one or both of these areas if you have been convicted of certain crimes.

You have the option to purchase additional coverage in other areas (such as bodily injury and collision), and it may be advisable to do so because it could minimize your liability if you have an accident. Be sure to look around for the best rates in your area. And if you live in Longwood, FL, be sure to speak to an agent at Blanchard Insurance. They will be able to come up with a comprehensive plan that will meet your needs, and they’re more than happy to work within your budget. Be sure to call their offices so you can get the auto insurance coverage you need! They would be happy to speak with you!

 

How salty sea air affects your car’s paintjob in Longwood

Longwood, FL is one of the best places in the world to live. You get to enjoy warm weather all year long, and you’re never more than a short drive from the beach. But, being that close to the sea does have some downsides for your automobile. Namely, the salty sea air can do a number on your car’s exterior if you’re not careful.

The problem is that the salt starts to collect on your car and build up. A little bit here and there is no big deal, but let it collect without cleaning it, and your super cool James Bond-mobile is going to start looking very Mad Max very soon.

Salt is one of the most absorbent substances in the world. Anything it touches, it starts to chew away at. When you see those beach homes with the support beams on their last legs, that’s because salt was allowed to accumulate on the surface until it ate its way through to the core. The same thing can happen to your car, leaving you calling Blanchard Insurance to see what your policy says about salt damage.

If you live less than 100 miles away from the ocean, then this concerns you. Farther than that and the damages are minimal. If you live in Longwood, FL, especially if you like to take regular trips to the sea, then this is something to consider.

The only way to prevent this: Keep your car clean and waxed, and cover it up if you’re going to be letting it sit for awhile. This will keep the moisture from collecting on it. You can get coverage against certain kinds of wear and tear through Blanchard Insurance, but as they say, an ounce of prevention beats a pound of cure.

3 Reasons to Always have Auto Insurance in Florida

If you live in Longwood, FL, you should never ever be caught without auto insurance. Why, you ask? The following is an overview of three reasons to always have auto insurance in Florida. 

Penalties

First and foremost, driving without sufficient insurance coverage is punishable by an array of penalties. These penalties include things such as monetary fees, suspension of license, and more. Rather than taking a gamble with your entire driving record and future, simply purchase an auto insurance policy and save yourself the trouble. 

Avoid "High Risk" Labeling 

Driving without sufficient insurance coverage can lead you to being labeled as a "high risk" to insurance agencies. This is mostly due to the fact that driving without insurance, even for a short time, makes you appear irresponsible as a driver. Therefore, by acquiring and maintaining suitable coverage, you will avoid the complications of being labeled as a "high risk" candidate within the insurance realm. 

Avoid Costly Lawsuits

Last but not least, one of the top reasons to always have auto insurance in Florida is to avoid costly lawsuits. No matter if you have suitable coverage or not, you will still be held accountable if someone is injured as a result of your negligence or mistakes behind the wheel. By purchasing a high-quality auto insurance policy, you are ensuring that the majority of these fees are paid by your insurance agency, rather than out of pocket.

Overall, if you are seeking high quality auto insurance coverage in Longwood, FL, Blanchard Insurance is the way to go. Simply stop in, call, or email us today and find out a way to start your policy at once and save. You’ve waited long enough. Call Blanchard Insurance today! 

Auto Insurance: Is It Really Necessary?

If you were able to make the decision on your own, you likely would choose to not get auto insurance so you could save money or put it towards other things. However, in the state of Florida, you are required by law to have auto insurance that meets the state minimums. Even with knowing the state minimum requirements, is auto insurance really necessary? Continue reading to see why we think it is in Longwood, FL.

What are the State Minimums in Florida?

Florida does not have as strict of requirements as other states but there is still a set minimum. As a Florida driver, this is what you should have covered in your insurance policy:

  • $10,000 of no-fault or personal injury protection (PIP) insurance.
  • $10,000 of property damage liability (PDL) insurance.

What Can Happen If You Do Not Have The State Minimum?

In Florida, you could face some penalties and you do not have to even get pulled over for this to happen. The DHSMV will know if you do not have a record of auto insurance and will contact you to get the proof or they will fine you. In this state, you will get fined for not having auto insurance. For the first offense, it is $150. For a second offense, you will pay $250. For every offense after that, you will pay $500. These amounts can add up very quickly if you do not get the auto insurance in time. It is best to get auto insurance because in the long run, you will save money by paying for that instead of fines.

If you are ready to get an auto insurance policy that meets state requirements and your budget, be sure to contact our agents with Blanchard Insurance, serving Longwood, FL, today. we will be happy to run some quotes for you.

Common Types of Auto Insurance

Auto insurance is something that can be very difficult to understand if you are not equipped with the right information. For those living in the Longwood, FL area, the helpful agents of Blanchard Insurance can help you determine what level of coverage is right for you and your individual needs as well as the legal requirements of your state.

There are two basic types of auto insurance, the first is liability. This is the minimum amount of coverage that is required by both your state and the federal government to keep your vehicle street legal and to keep up current registration. Liability insurance covers a certain monetary amount that is predetermined by both the federal government and by your individual state to help insure that should you be in an accident, there will be coverage for both you and for the other person involved.

For those that have a newer automobile or that have a loan on their automobile, it is necessary for more coverage than liability can provide. The other common type of auto insurance is full coverage. Full coverage offers a deductible to help cover the cost of the claim then it can pay out the full value of the vehicle so that you can pay off the remainder or your loan and purchase a new car. Full coverage also offers more coverage for personal medical bills, time off work, and more as well as more money to help cover the costs of the other person involved in the accident.

Both types of coverage are wonderful to help protect you when you are on the road and to help protect other drivers as well. For more information on what type of insurance you may need if you live in the Longwood, FL area, contact Blanchard insurance today.

Save Your Vacation: Check RV Tires Before Hitting the Road

Once a year you pack up the family and head out on the wide open road with the RV.  For the first year or two, you went through the safety checklist religiously before leaving on the trek.  However, as familiarity and comfort increased with the mobile campground, some things were left to the side, like checking your tires.

RV Tires Age While Sitting in the Sun

Most people replace tires on their automobiles because they have reached a certain mileage mark. Well, the RV tires don’t go very far every year, so why replace them? Rubber degrades over time, and the process is accelerated under direct sunlight. Furthermore, tire dealers won’t always sell a new tire for RVs, but pull out a set that is a few years old. Tire failure on RV’s often occurs due to the breakdown of the tire, instead of tread wear. 

Blowouts Can Damage the Vehicle

Having a tire fail during travel can be very dangerous and expensive. The tread can become separated or the sidewall fails under pressure and heat. The blowout can damage the frame, structure of the RV, and suspension parts. A tow to a repair shop can be extremely costly, and your road trip gets postponed or canceled.

Prevention is Key 

Check the expiration date of the tires on your vehicle. Replace expired tires, even if they appear fine. Torque lug nuts according to specifications before travel. Check cold tire pressure and again after five or ten minutes of travel.  A tire about to fail will build up heat and pressure much faster than a good tire.  If you suspect a tire is about to fail, change it and bring it to a tire repair center for evaluation. 

Blanchard Insurance offers quality RV insurance. Ask about options for roadside assistance and repair deductibles for your home away from home.