Auto Insurance, Drinking, Driving

Drinking and Driving Can Affect Your Auto Insurance Rates

With the July 4th holiday just around the corner the insurance agents at Gulf Coast Educators Insurance caution drivers to celebrate smart over July 4th. Your auto insurance policy can take a terrible hit if you get are cause an accident because you were under the influence of alcohol while driving.

Drunk drivers can cause accidents that can cost others their lives but the drunk driver can lose their driver’s license, gain points on their license and see a significant increase in their auto insurance rate. Insurance carriers can look at a driver who has been pulled over for drunk driving as a high risk and therefore may increase what you are paying for auto insurance.

On the flip side if you have had too many car accidents (whether you’re drunk or not) you may not be able to get car insurance. Wreck-less driving, driving while intoxicated, speeding, running stop signs and traffic lights can all be costly mistakes when it comes to your car insurance policy.

The auto insurance agents at Gulf Coast Educators Insurance encourage all drivers to be safe, stay alert, don’t text and do not get behind the wheel of your car if you have been excessively drinking. If you would like a competitive auto insurance quote we encourage you to call any of our Southwest Florida car insurance offices. We offer the best in auto insurance! We have offices in Naples, Port Charlotte and Ft. Myers, Florida. Contact us today for your free quote!

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 Accidents

Make Sure You Know Exactly How To Handle An Auto Accident

Auto accidents are inevitable but they do happen unexpectedly. If you ever are involved in an accident you should know what exactly you should do.
The first thing you should do is call 911, whether you call or the over driver does someone needs to call. An official document needs to be made to prove who is liable for the accident or if you chose to file a personal injury lawsuit down the road. You should then gather the other driver’s information. The information you should find out is contact information, their auto insurers name and pAuto Accidentolicy number, license plate number, and the make, model, and color to the driver’s vehicle. Make sure you take pictures of your vehicle and the other driver’s vehicle to show the damage. You should also know exactly where the accident occurred; take a picture to better remind you later.
If you’re injured or the other driver calling 911 is a must! If you go to the hospital make sure you document all treatment you receive, include locations, names of doctors, addresses, and telephone numbers, tests they perform, and prescription information. This information will help you if you decide to file a personal injury lawsuit.
Next you should open a claim. You should file your claim as soon as possible. When you contact your insurance agency you should have your policy number and must be able to recall details of the accident. Setting up a claim will help you get your car repaired, some insurance agencies have specific places where your vehicle can be repaired and be covered.
Following these steps and having the correct information for your auto insurance agency will help you get through this unexpected collision more smoothly. If you need auto insurance call Gulf Coast Educators Insurance at 239-591-0963 we will be happy to serve you.

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.


Drunk Driver’s are on the Rise

Your Car Will Know Your Drunk in the Future

One-third of fatal crashes are caused by alcohol and fatalities topped 10,000 in 2012 due to drunk drivers. More and more people today are driving while impaired. A conviction of driving under the influence can cause you to lose your driver license and make and car insurance more than double. One day in the near future you may not need to take your friends keys to keep them from driving, there are car will tell them if they are capabledrunk driving of driving. The National Highway Traffic Safety Administration recently extended its agreement with automobile manufacturers to develop the Driver Alcohol Detection System. Two different types of technology are being worked on by researchers; they both would detect you blood-alcohol content through either touch or breathe. The technology would detect if you blood-alcohol level is above the legal limit of 0.08 percent. The system would be different from alcohol detecting interlock systems; systems like this are placed in people vehicles which are convicted of driving under the influence. With those types of systems you have to blow into a tube and if you are under the limit the vehicle will start. Researchers say that, “the new system must be accurate, unobtrusive, and completely reliable.” They also say that, “the aim is to stop a drunk driver from getting on the road in the first place, rather than arresting them after the fact, or worse yet, after a crash.” At the end of 2013 the program was extended for another five years. Mothers Against Drunk Drivers is one of the organizations helping to make the Driver Alcohol Detection System. Researchers estimate they will have a vehicle equip with both a touch based technology and breath based by 2015. Hopefully this system will prevent the fatal crashes that kill people every year.

General Insurance

Security And The Idea of General Insurance

The need of security brought on the idea of insurance. We as people are always trying to shield ourselves from crisis whether it is the security of ourselves or family, or our possessions. general insuranceInsurance just as its name insures your health, vehicle, and property. General insurance needs come from the facts that all things that matter to you should be insured, if your possessions are insured you are more likely to live a risk-free life. Everything that is a hard earned possession should be insured these items include your personal vehicle, business, property, or anything that can be a financial loss. Health insurance should be taken in to consideration because any health emergency can drain you financially in the blink of an eye. Car insurance is a must. It covers your vehicle damage from theft, accidents, or fire; it would also cover natural calamities. Another general insurance is property insurance and this includes your home. Your home is probably your most priced asset and it should be insured. Insuring your home protects you against burglary, fire, and other risks that could cause harm to your home. If you are in need of general insurance call Gulf Coast Educators Insurance at  239-591-0963, they can help you get reliable insurance when you need it the most.

Common Causes of Car Accidents

Don’t Be The One To Cause A Car Accident

Driving accidents happen every minute in every day. An estimated 10 million people are involved in car accidents every year. Car accidents are also the leading cause of teenage deaths. The story is always the same, it’s not my fault. Several studies from the U.S. say the number one cause of accidents is you, not a wet road or a pot hole. Accidents can happen for almost any reason. Let’s talk about the most common causes of car accidents.


The number one cause of car accidents is distraction while driving. This includes talking on the phone, texting, eating, or slapping the mosquito on the windshield. It also includes having a conversation with your passenger. You are 23 times more likely to get in accident if you are texting while driving and 4 times more likely if you use a hand held device. Pay attention to your surroundings especially if you are in the busy city but rural accidents are possible as well.


Most everyone today has a need for speed at one point or another. A third of all accidents in the U.S. are caused by speeding drivers. Give yourself enough time to make it from point A to point B. Ask yourself this; is 10 minutes worth your life?

Drunk Driving:

Drunk driving is the most dangerous act on the road today. Mothers Against Drunk Drivers estimate that 300,000 incidents of drunk drivers happen daily. Drunk driving is completely preventable; you could call a taxi or a friend for a ride. Drunk driving not only endangers your life but others as well.

These are only three causes of car accidents, there are too many to count. While driving on the road an accident can happen at anytime and anywhere, know your surroundings where ever you drive.