Car insurance Boynton Beach, FL

Do You Know What Determines Your Car Insurance Rate?

Car insurance Boynton Beach, FLWe bet you’ve wondered how car insurance premiums are calculated. Do you ever have discussions with friends of similar age and driving history and find you’re all paying very different premiums for what would appear to be similar coverage?

Insurance premiums are based off of many factors, all of which play a role in your total premium for your auto insurance. A single difference of any of these can give dramatically different outcomes. Some factors insurance companies use to calculate premium can include:

  • Gender, age & marital status
  • What’s your past driving history?
  • What’s your claim history?
  • Your Zip Code where the vehicle is garaged
  • Your credit score
  • How many miles you commute
  • Will you or do you have other policies with the same insurance carrier such as home or renters insurance?
  • Are you currently insured?
  • What types of overage do you want? What limits?
  • What limits did you have on your previous insurance policy?
  • Type and age of vehicle being driven (think safety equipment)

Insurance companies do their best to determine a premium for your situation and calculate a premium that will be profitable for them. It may surprise you to know that many insurance companies try to earn just a few cents on each dollar of premium they collect.

While it is impossible to guess what you are going to be paying each year, you can improve your odds of getting a great rate and terrific coverage by calling a local independent insurance agent. Leslie Kay’s Inc. represents multiple insurance companies, so we can provide you with comparison quotes from several of the top insurance companies in your state.

If you have any questions about your car insurance, call Leslie Kay’s Insurance. Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!

Special Event Insurance in Boynton Beach, FL

Hosting a Special Event This Summer? Consider a Special Event Insurance Policy.

Special Event Insurance in Boynton Beach, FLPlanning a wedding or a special event can seem like a full-time job. Between determining your guest list, vendors, food choices and the small details, there is so much to consider to make your dream wedding or event perfect. The last thing you think about is having an insurance policy for your special event. A special events insurance policy acts as your protection from a myriad of claims that might occur on your big day and can even include cancellation or postponement of the event so your deposits are protected.

Consider these claims situations:

  1. A guest is over-served drinks and decides to drive home. He hits a pedestrian on the way out. While his insurance company is likely on the hook for most of it, you or the venue could be held liable for over-serving this guest.
  2. You decide to have a winter wedding, but the morning of, the airport is closed and the highways are impassable. You and your guests can’t make it.
  3. A vendor for your event goes bankrupt the week before and won’t be there.
  4. The bride or groom is active military and is called to deployment unexpectedly.

Wedding insurance or special event insurance is one of the greatest and affordable insurance policies. Typically starting around $185, this simple insurance policy can mean the difference of getting the wedding you want or settling for what is left after the loss of deposits and other expenses. Protect your special day with this affordable insurance policy. The peace of mind alone is worth the cost!

To learn more about a special event policy, contact Leslie Kay’s Insurance. Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!

what to pack for a cross country motorcycle trip

Traveling by Motorcycle

what to pack for a cross country motorcycle tripYou have decided to mark Cross Country Motorcycle trip off your bucket list. Now that the decision is made you will need to prepare. The obvious will be picking your dates, your destination, and making sure your ride is ready for the road. You will of course need to pack. Packing seems simple enough. You are aware of how much space you have, and you are certain what will fit. So you pack it all up, and then go out to load your bike. Realizing that the Beverly Hill Billy’s truck was loaded lighter you go back to the drawing board.

You will need to be prepared not only for your day to day care such as bathing and brushing your teeth but also for things like Sunburn, Bee Stings and any minor injury you may have along the way. A good checklist is helpful and a great resource can be found at http://www.firstaidanywhere.com/motorcycle-first-aid-kit.html. This site details items that they say can be packed into a bag 7”x5”x3”. I did not see Bee Sting treatment listed here, and from experience I strongly recommend that it be included. If you will be camping at any time on your trip Bug Repellant will also be a very close friend to have along. Another useful item is a small travel pack of baby wipes. You can figure out a number of uses for these.

No one on a Motorcycle really wants to think about a flat tire. However, you must consider the possibility. You could find yourself alone and stuck with no cellular service. Progressive Suspension has a tire kit available that will easily fit in your limited space. It includes CO2 cartridges and could save you from being stuck.

So you have prepared for possible injury, and for a flat tire. What about communication? Most all of us have cellular phones these days. This wonderful technology is battery dependent and not everyone has a 12 volt charger on their bike. There are products available that use solar power to provide a charge for your mobile phone, or digital camera. A simple internet search will bring up several options, and you should be able to find one versatile enough to charge most devices.  Some will even include a flashlight as part of the unit.

While writing this article I spoke with Ray Vega of the Palm Beach Motorcycle Safety Council. I asked him what he would take on a trip. First answer was his wife followed by Rain Gear, First Aid Kit, Tool Kit, Tire Repair Kit, Flashlight, Water and Snacks. We also discussed the usefulness of items such as a Leatherman, and a Swiss Army Knife. These items pack the most bang for your buck, and can be packed in small spaces.

Be aware of the weight rating of your cycle and tires. Overloading the bike will have an effect on not only the tires but also on the handling of your bike. As for the rest of your packing adventure there are many checklists out there detailing hundreds of items you might need to have with you. Some of which will take you right back to the Beverly Hill Billy look. During a 2 and ½ year period I relied solely on my motorcycle for transportation and I traveled a bit during that time. Keeping it as simple as possible was the best and it was a hard learned technique. You can always find a coin laundry for your clothes, and some hotels will have one onsite. Pack light, pack simple, and pack useful.

Be sure to verify your roadside assistance on your motorcycle insurance policy, and that your coverage is up to date. Ride safe, and ride often.