Black Friday Auto Safety

The clock is ticking down to the biggest shopping day of the year, Black Friday!<.h1>

While many shoppers are writing out lists and planning their shopping strategy others are scheming on how to steal your newly purchased gifts. Gulf Coast Educators Insurance offers some auto safety tips during this holiday season:
• Park in well-lit areas
• Lock all of your doors and windows
• Place your newly purchased items in the trunk. If an item needs to go on a seat then make sure it is covered
• Don’t overload yourself with bags
• Be aware of your surroundings. Have your keys ready to open the door and don’t linger in your car after loading it.
• If you are dropping items in your car and then going back shopping, consider moving your car to a new location. Many thieves watch and simply break the windows on your car to retrieve the loot once you are back shopping.

Of course, there are also dangers while driving during Black Friday. Quite a few shoppers have been up for an extended period of time and are operating on minimal sleep. Tiredness and sleep deprivation can cause people to drive erratically. Don’t let the stress and exhaustion of the holiday get to you.

The National Retail Federation (NRF) found that 89 million people shopped on Black Friday. That is a lot of cars on the road and in the parking lots! Accidents happen because people are in a rush to get to the next bargain. Slow down and follow the speed limit. Eliminate distractions such as texting and talking on the phone while you are driving. Be on the lookout for pedestrians. People are rushing out of their cars to buy their gifts and often don’t use walkways. Shoppers have been known to dart in between cars and in front of traffic in order to get the deals. You don’t want to spend your shopping time involved in an accident.

When you are leaving the store be careful backing up. Many accidents occur when people back into another car. Make sure that you double check so that no one backs into your car. Your car could also be hit by another car while it is parked in the parking lot.

Gulf Coast Educators Insurance wants you to be safe during Black Friday and during all of your holiday shopping. Follow the tips above. If you do end up having an accident, then report it to the police and your insurance company. Gulf Coast Educators Insurance clients can call 239-591-0963 for the Naples office, 941-391-5423 for the Port Charlotte office, and 239-997-0420 for the Fort Myers office. Wishing you the best this holiday season!

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.

Test your Tread, Do the Penny Test!

How To Do The Penny Test

The penny test works wonders. Have you ever wondered if your tires are to worn and if you should get new tire? Did you know there is a simple test that you can do at home to see if your need new tires? It is simple to do, let’s talk about how this test is done.

The old way to test your tires was by using a penny. Flip the penny testpenny over with Lincoln’s head down toward the tread. Next, you put the penny down between the grooves in your tire, if any of Lincoln’s head is missing your tire tread is less than 1/16’s of an inch and you should replace your tire. Lincolns head should be visible for your tires to be ok to drive on. This test is out dated now.

The new test suggests you use a quarter to test your tires, only because they say you should replace your tires at 2/16’s of an inch. It is exactly 2/16’s of an inch from the top of Washington’s head to the edge of the quarter. The new test is done the exact same way as the penny test. Flip the quarter down with Washington’s head downward and place the quarter between the tread. If any of Washington’s head is missing you should replace the tire because it is unsafe to drive on.

Why should you perform this test on your tires? You should perform this because it is dangerous to drive on worn tires. When your tires get worn down they lose performance and traction. Losing traction means you could hydroplane and cause harm to yourself or someone else. Check your tires and be safe on the road.


Those Little White Lies

Can Little White Lies Lower Your Insurance Rates?

Little white lies can lower your insurance rates; if you lie to lower your insurance rates you are not alone. These little white lies are called “premium leakage” to your insurance company. The reasons people lie are to save mcar insuranceoney, no correct answer on the insurance form, or they felt cheated by the company in the past. 10 percent of potential premiums from insurance companies are lost by drivers providing bad information. All the misinformation you provide adds up. During a study men were more likely to lie than women, 42 percent vs. 27 percent. Also, drivers under the age of 30 were more likely to lie about information provided than drivers over 50 years old. The top five things that drivers lied about during the study were annual mileage, where the car is parked, names of drivers with access to the vehicle, history of tickets or accidents, and gaps in insurance coverage.  People lie about where their car is parked at night because it lowers their rates. Some places have a higher crime rate than others. What happens if you get caught giving bad information? If you get caught in your little white lies your claim could be denied, your premium could go up, policy denied, or sued for fraud. Insurance company’s pull DMV reports and check all the information you submit to them, so you will get caught giving false information. If you are looking for auto insurance in the Naples, FL area  give Gulf Coast Educators a call at (239) 591-0963.