Auto Insurance

Cancelling An Auto Incurance Policy

Cancelling an auto insurance policy should be painless. Life always throws you a hardball at one point or another and you may need to cancel your auto insurance policy. A few examples of this is you sell your car or your parents pass way. Every insurance agency has a different policy on cancelling your auto insurance but there steps you can follow to make sure it goes more smoothly.
The first step you should take is to contact your insurance agenauto insurancecy. Call your agency and let them know you want to end your coverage and when you want to do this. Do not let your coverage end without telling your insurance. If your policy goes without payment they could report this to the credit agencies.
Second, you should follow you insurance agencies lead on the cancellation. Every agency does cancellations differently, so find out how yours does them. Agencies have their own way of doing cancellations so just follow their lead on doing so.
Next you can ask for a refund. You can do this if there is a death in the family. An example would be if someone dies and there is a few months left on the policy. You can ask the agency if they would refund the rest of the money left on the policy.
Finally you should contact the Department of Motor Vehicles, also known as the DMV. This all depends on what state you live. If you sell your vehicle you may also want to turn in your license plate and registration tag. Just call your local DMV and see what the procedures are.
These are the steps you should take if you want to cancel your auto insurance policy. If you are in need of auto insurance please contact Gulf Coast Educator Insurance at   239-591-0963.

Changing A Flat Tire

How To Change A Flat Tire

Have you ever had to change a flat tire on your car? Some people have never had to change a tire, or do not even know how to start or finish a tire change. There are a few basic steps on how to change a tire.
1. Find a safe place to pull off the road. When you pull off the road make sure you are completely off the road. Do not pull on a hill or an incline, the vehicle needs to be on flat ground. Be sure to set your parking brake, and turn on your haflat tirezard lights.
2. Get your tools. Get the jack, wrench, and spare tire. Put your tools where the tire is flat.
3. Loosen the lug nuts with a wrench. First, you need to remove you hubcap. Then, loose the lug nuts but do not completely take them off just loose them. If you are not sure which direction the wrench needs to go, turn it counter-clockwise. Sometimes to lug nuts are too tight to loosen, stand on the wrench while on the nuts; your body weight will help loosen the lug nut.
4. Lift your vehicle off the ground with the jack. Once the jack is in place, jack your vehicle about 6 inches off the ground. Jack your vehicle enough where you can spin your tire freely.
5. Remove the lugs nuts and the flat tire. Once your vehicle is jacked up you can remove the lug nuts, make sure you put them all in the same place so none of them are lost.
6. Put the spare tire on and put on the lug nuts. Put the spare tire on, line up the lug nut posts and push the tire all the way to the wheel base. Next, put all the lug nuts on but do not tighten them.
7. Lower your vehicle to the ground and tighten the lug nuts. Lower your vehicle to the ground using the jack and remove the jack from under your vehicle. Tighten the lug nuts now that your vehicle is back on the ground. When tightening your lug nuts tighten 50% then move to the opposite nut (across the circle), keep doing this till the lug nuts are as tight as they can be.
8. Put your tools and flat tire back in your trunk. You have completed your tire change. Put all your tools and flat in the trunk. Remember the tire you have on your vehicle is a spare and not a tire to be driven on for a long time, it needs to be replaced.

Florida Flood Insurance

Flood Insurance For Your Home

Flooding is considered the highest ranked natural disaster in the United States, according to FEMA. Most people living in Florida think they are not living in a flood zone. Truth is known that Florida as a state is in a flood zone; your exact location varies on the levels of risk. It is said that if you live in a Preferred Risk Zone as determined by FEMA, you could purchase flood insurance for as little as $129.00 a month. Did you know that, homeowners insurance does not cover floodinflood insuranceg in your home or property that is destroyed? The rainy season is here and flooding could happen at any time unexpectedly. As bills are being passed through the senate about flood insurance, now is the time to have your home covered. The Senate bill, SB 542, which was passed last week would aim to give more flexibility to policyholders and private insurers to select various deductible amounts and choose between insuring their property for the outstanding balance of their mortgage, the property’s replacement cost, or the actual cash value. This bill would give the insurance policy holder options.

If you have been thinking about purchasing flood insurance for your home, now is the time. Don’t wait; it takes up to thirty days for your insurance policy to be in effect. Gulf Coast Educators Insurance’s number one priority is the help you. You can call one of our three offices Naples at 239-591-0963, Port Charlotte at 941-391-5423, or Fort Myers at 239-997-0420 for a quote. We look forward to hearing from you.

Severe Weather

Spring Is Here, And So Is The Severe Weather

Make sure your home is ready for the severe weather to come. Spring has been here for a few weeks and we have had a few severe thunderstorms. During these storms if your home gets damaged the first thing you should do is call your insurance agent to see if the damage actually needs to be filed. If you are jusevere weatherst missing a shingle you may want to get someone to repair it without filing a claim. Your agent should be able to help you find someone to repair it for you. Insurance companies are resorting to this because more and more people are filing claims on roof damage. Some insurance companies are trying to remap the way to reimburse home owners for those repairs. For example, in the past if your roof was damaged you would just get a new one. Now some insurance agencies are taking into consideration the actual age of your roof. This means you could have to pay your deductible and part of the new roof costs due to the depreciated value of you old roof. Insurance companies try to keep premiums down but some companies have no choice but the raise rates. This happens when more claims are filed, due to the severe weather; the rates must go up because of the money lost. Make sure you know what is covered on your policy by your insurance company if there is damage to your home. Give your agent a call and check your policy. If you need home owners insurance call Gulf Coast Educators Insurance at 239-591-0963 they will be happy to help you find the insurance the is best for you.