GreatFlorida Insurance - Ana Patricia Arguello - Miami Insurance

Motorcycle Insurance Quotes in Miami, FL

Ana Patricia Arguello, Agent

786-409-2211

1390 South Dixie Highway - Suite 2202
Coral Gables, FL  33146
Fax : 1-800-490-6901

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Ideal weather and scenic views make Miami an exceptional place to ride motorcycles. GreatFlorida Insurance wants every biker to enjoy the adventure of riding whether you are an enthusiast or a novice. Being out on the open road in Miami can leave you exposed to bad weather conditions and drivers not watching for cyclists. GreatFlorida Insurance can offer you an affordable motorcycle policy to protect you and your ride in Miami.

Do you need Motorcycle Insurance?

YES! It's as critical as wearing a helmet.

Motorcyclists know there's risk involved every time they hop on their bikes, but that doesn't stop them from revving up their engines to feel the wind on their face and the rush of a good ride.

In addition to protective gear like helmets, there are precautions that you can take with you on every ride. You'll never even know they're there—that is, until you need them.

A strong Miami Motorcycle Insurance policy is not an option that should be overlooked. That's why GreatFlorida Insurance provides motorcycle policies that give you the true freedom to ride.

A GreatFlorida Motorcycle Insurance Agent in Miami is ready to help you find the best deal. Get a free quote today by calling 786-409-2211 or completing our online quote request form.

What is included in my motorcycle insurance coverage?

  • Bodily injury liability coverage: When you're involved in an accident, the first thoughts you have undoubtedly involve assessing if you're injured followed by wondering if the other person (people) involved are injured.

    If you do injure or kill someone or if you need projection in a lawsuit against you, this type of coverage will protect you.

    What do you need? A GreatFlorida Insurance Agent in Miami will work with you to choose the level of limits of protection that best suits your needs.

  • Collision coverage: Accidents may cause damage to your motorcycle. Regardless of whether that damage is your fault or not, you will be protected when you have collision coverage included in your policy.

  • Accessories coverage: Most comprehensive policies include coverage for your accessories. When this type of damage occurs (including damage to your helmet), this coverage will pay it.

  • Comprehensive physical damage coverage: Sometimes damage occurs from something other than an accident, such as theft or vandalism. GreatFlorida Insurance can provide policies that cover these damages too.

  • Unisured/underinsured motorists coverage: Unfortunately, not everyone carries motorcycle insurance. When you are hit by someone who doesn't carry insurance, you'll still be projected when you have uninsured/underinsured motorists coverage in your policy.

Do I need motorcycle insurance under Florida law?

Florida law does not require motorcycle insurance. However, if you are charged with an accident that causes injuries, you will be required to obtain insurance (if there was no prior policy in place).

What types of medical coverage exist?

Choose between medical payments, no-fault or personal injury protection coverage for you and your passengers.

What types of motorcycles are covered?

GreatFlorida Insurance can create a custom policy for you regardless of the type of bike you ride. From moped insurance to scooter insurance to trike insurance to dirt bike insurance to motocross insurance, Harley-Davidson Insurance, there is a policy to fit every biker's needs.

How can I get started building my custom policy?

GreatFlorida Insurance makes it easy to create your custom motorcycle insurance policy.

Call 786-409-2211 or complete our online quote request form. A GreatFlorida Motorcycle Insurance Agent in Miami will help you find the best deal for you.

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Florida Motorcycle  Insurance Blog
by GreatFlorida Insurance
5/16/2018

The 2018 Atlantic Hurricane season begins June 1 and runs through November 30. “Current research proves hurricanes are growing stronger and occurring more frequently,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Colorado State University predicts a slightly above average Atlantic hurricane season, with 14 named storms, seven hurricanes and three major hurricanes. Whereas, The Weather Channel, is predicting 13 named storms, six hurricanes and two major hurricanes.

While thunderstorms commonly occur in Florida, hail is not as common. It is a type of frozen precipitation that occurs within strong to severe storms any time of the year. Hail causes approximately $1 billion in property damage annually nationwide.

Hail can dent your automobile’s hood, trunk and doors. It can break and crack mirrors and windows and cause damaged or stuck doorjambs.

“It is really tempting to observe the novelty of anything frozen falling from the sky but hail can be dangerous, especially if it is sizable,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

If you are out driving when a hailstorm hits, don’t panic. Below are tips to stay safe on the road.

Slow down and be aware of other drivers around you who make not know how to react when driving in a hailstorm.

Create distance between you and the driver ahead of you.

Safely, get off the road. The impact of hail is greater on a moving object, so your car is at greater risk of damage when it is moving forward.

Look for coverage close by such as a gas station awning or garage.  Avoid trees, falling branches can cause more damage.

If you stop under a bridge or overpass be sure to pull completely out of traffic lanes and onto the shoulder.

Do not leave your car.

Try and keep your car at an angle so hail hits it from the front. Windshields are reinforced to withstand pelting objects. Side windows and back glass are not, they are much more vulnerable to shatter or break.

If the hail is severe, cover your eyes or the eyes of any passengers with a blanket. Get face down in the backseat or floor, face away from any windows.

Stay clear of culverts or ditches that quickly fill with water.

Most comprehensive auto insurance policies will cover hail damage. Once the hail damage is accessed, work with your insurance agent to file a claim and get your car into an auto body shop to repair any dents or other damage caused by the storm.

The post Protect Your Car from Hail Damage This Storm Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/9/2018

Hawaiian lawmakers recently passed a bill prohibiting the sale of sunscreen containing chemicals known to harm coral reefs.

“Once signed by governor David Ige, it will be the first law of its kind,” says Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s largest independent boat insurance agency.

The chemicals contributing to the destruction of coral reefs and other ocean wildlife are oxybenzone and octinoxate. These are common ingredients found in over 3,500 popular sunscreens such as Coppertone, Hawaiian Tropic and Banana Boat.

Oxybenzone and octinoxate are chemicals that filter and absorb UV light, blocking out the sun’s radiation and extending the amount of time a person can spend in the sun. However, like most topical products, they wash off in the water causing damage to coral and fish. According to coral reef advocates, Be Reef Safe, 4,000 to 6,000 tons of sunscreen end up on coral reefs every year.

A 2015 study conducted by a group of scientists of coral reefs in Hawaii, the U.S. Virgin Islands and Israel found oxybenzone and octinoxate leach nutrients from coral, bleach it white and reduce its resiliency. The chemicals are known endocrine disrupters, even a tiny amount can damage coral.

“The largest coral reef in the continental U.S. is the Florida Reef, found in the Keys,” reminds Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s top independent boat insurance agency.

It is the third largest barrier reef ecosystem in the world. It too is being threatened by using these chemicals. In order to protect the future of Florida’s reef tract a similar bill could be passed in Florida. As the public becomes aware of the threat these chemicals pose to coral reef and underwater wildlife, it could prompt action to preserve our beloved reef.

Best thing to do now is read sunscreen labels and avoid oxybenzone and octinoxate. There other ingredients available in sunscreens that can effectively protect your skin. Most importantly, cover up. Sunscreen, should be the last line of defense.

The post Could Florida Ban Sunscreen? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/18/2018

2018 Earth Day is this Sunday, April 22. The theme for this year’s Earth Day focuses on ending plastic pollution. Single-use plastic is believed to be the biggest source of trash in and around water worldwide.

We use plastic everyday- plastic bags, toothbrushes, water bottles, product packaging. It’s hard to go a day without plastic,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

Some alarming statistics about plastic include the following:

2.5 million plastic bottles are used every hour in the U.S. (Recycle Across America)

8 million metric tons of plastic enter the ocean every year (Recycle Across America)

The Great Pacific Garbage Patch, the world’s largest collection of floating trash has grown to 600,000 square miles, twice the size of Texas. (Scientific Reports)

According to the website, Earthday.org, plastic poisons and injures marine life, disrupts human hormones, litters beaches and landscapes and clogs our waste streams and landfills. The movement is hoping to inspire and inform people into changing their attitude about plastics.

So, what can one person do to make a difference? Below is a list of suggestions to help you reduce the use of plastic.

Carry your own reusable shopping bags to the store.

Stop buying bottled water, carry a reusable water bottle.

Use a refillable mug at the coffee shop, you can even get a discount for it.

Say “no” to straws.

Checking your packaging. When possible, choose paper packaging over plastic, such as a box for pasta rather than a plastic bag.

Trade in your disposable razor for one you that you only must switch out the blade.

Change up your food storage. Instead of using plastic baggies or plastic wrap, try mason jars, bento boxes or glass containers.

Recycle

“Doing something is better that do nothing,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

If we all try and make one or two changes to our plastic use, collectively, we can make a difference. Consumer choice speaks loudly.

 

 

 

The post Trashing the ocean appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/5/2018

Recently, an 11-ft. alligator made its way into a homeowner’s swimming pool in Sarasota, FL after busting through the patio screen.

A seven-ft. alligator caused a traffic jam on Easter Sunday in Jacksonville, while trying to cross Interstate 295.

Warmer weather is bringing out alligators.

“Most Floridians have seen an alligator lurking around, especially golfers,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In 2017, the Statewide Alligator Nuisance Program (SNAP), received 13, 210 nuisance alligator complaints resulting in the removal of 8, 455 nuisance alligators.

According to the Florida Fish and Wildlife Conservation Commission (FWC), This once endangered species, has a healthy and stable alligator population estimated at 1.3 million in a variety of sizes just in Florida. In addition, alligators inhabit all 67 counties in Florida

An important part of Florida’s wetlands and eco-system, alligators become more active when the temperature rises and their metabolism increases. Mating season is from April – June.

“While alligators are a part of the Florida landscape, you certainly want to keep your distance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Alligators are unique, in the fact they that inhabit land and water. This feature also makes them very dangerous. American zookeeper, Jack Hanna says an alligator can outrun all human creatures within the first 20-30 feet of exiting the water, making it very difficult for humans to outrun alligators.

The Key West Aquarium, has advice for living with alligators:

Avoid feeding an alligator, it is dangerous and illegal.

Stay at a safe distance of at least 50 feet away.

Do not approach an alligator to take a selfie.

Avoid checking to see if an alligator is alive.

Before entering a freshwater stream, lake or spring, check around. Alligators are often around even if you don’t see them.

Keep pets on a leash and away from the water.

Steer clear of water at night.

If one bites you, make as much noise as possible. Work hard to get away, use force and try poking at their eyes.

People with concerns about an alligator can call the Nuisance Alligator Hotline, 866-FWC-GATOR (866-392-4286).

 

 

 

 

The post Here come the alligators appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/28/2018

Finding your ideal car is a challenge. “Knowledge of reliable or well performing brands, is a great place to start,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Recently, Consumer Reports not only compared models, but took it to the next level by comparing car brands. Scores are based on vehicle testing as well as owner feedback. Road-test score, predicted reliability and owner satisfaction, along with safety features,  are factored into the final score.

USA Today says, “Consumer Reports is watched closely because it is notoriously independent when it comes to car evaluations, including buying models that it tests from dealers rather than borrowing them from automakers.”

So, who made the lists? We will start with the bad news first. The following car brands proved to be unreliable and lacking in performance.

2018 Worst Car Brands

  1. Fiat
  2. Jeep
  3. Land Rover
  4. Alpha Romeo
  5. Mitsubishi
  6. Jaguar
  7. GMC
  8. Dodge
  9. Ram
  10. Mini

“Most of these car brands are not visiting this list worst car brand list for the first time. Several have been plagued with problems for years,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency. Notably, Cadillac and Chevrolet finally made it off this notorious list in 2018.

A 2017 dependability study by J.D. Power cites the most common problems with modern vehicles is technology issues, specifically pairing a smartphone to Bluetooth in the car.

Now for the good news. These drivers can drive with pride knowing they made a wise investment into a reliable car brand.

2018 Best Car Brands

  1. Genesis
  2. Audi
  3. BMW
  4. Lexus
  5. Porsche
  6. Kia
  7. Subaru
  8. Tesla
  9. Honda
  10. Toyota

These car brands represent the most satisfying by customers, by consistently producing top-quality models. With over 35 brands selling cars, truck and SUV’s in the United States, hopefully these rating can help guide you when making you next car selection.

The post 2018 best and worst car brands appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/7/2018

Self-storage is a $38 billion a year industry. According to Sparefoot, an online source for self-storage information, over nine percent of households rent a self-storage unit. While Floridians spend an average of $88.68 a month on storage unit rent.

The Self-Storage Association reports half of all units are rented for a year. Many people find storage units a temporary solution during a move or while in transition. “A lack of attics and basements in Florida homes might leave you short on storage space,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s largest independent homeowners insurance agency.

However, not all storage rentals are temporary. 30 percent rent for two years or more. Of longer term renters, fifty percent are simply storing what does not fit in their home.  And others have sentimental items they emotionally cannot deal with. While some are storing items they no longer need or even want. Often, long term self-storage renters forget what is in the storage unit.

Whether you appreciate your self-storage unit or loathe it, make sure your items are insured. Before renting a storage unit, contact your insurance agent or review your homeowners insurance or renters insurance. Your homeowners insurance or renters insurance policy may protect your items in storage.

“When you sign up to rent a storage unit, the self-storage company may try to sell you insurance, but chances are you already covered,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s top independent homeowners insurance agency.

Check if your policy covers items that are stored at an alternate location other than your home. While a renters insurance policy or homeowners policy will cover your belongings, it might not cover them as fully as the ones kept in your home.

Stored belongings might only be covered by a small percentage. A homeowners insurance or renters insurance policy usually protects personal property up to 10 percent of the amount of coverage in your policy.

Exclusions your homeowners or renters policy might not cover include flood or water damage, mold and mildew as well as losses incurred from the failure to maintain the unit properly, which is the responsibility of the storage company.

If you are storing a valuable collection, you might require a personal liability or umbrella policy for additional coverage and peace of mind.  If you plan to keep a vehicle, motorcycle or ATV, you will most likely require separate auto insurance.

To properly safeguard your things selecting a storage facility to suit you and your belongings. Make sure to look for the following when shopping for a unit.

Gated facilities

24/7 security camera

Keypad access or a lock with short arms resistant to bolt cutters

Inspect the unit for pests or leaks before renting.

Choose a climate controlled unit that will protect against mold and mildew.

Do an inventory of what you have in storage along with the estimated value of each item and a picture.

The post Self-storage, a blessing or a curse? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/27/2018

The Florida Highway Patrol reports recently, that an elderly man was driving the wrong way on a Florida highway in an RV. The RV struck a truck head on, killing the truck driver and passenger. Three days later, the RV driver also passed from his injuries. Not only was the senior driver driving the wrong way, his lights were not on at the time of the crash. 29 days before the accident, he passed a driving test in his home state of Michigan.

After hearing a tragic story like this, it’s tempting to set age restrictions on a driver’s license. “Keep in mind, people age at differing rates,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. One 75-year-old can barely get out of bed in the morning, while another person the same age, does yoga and goes for a run.

A decline in vision, cognitive functioning (the ability to reason and remember), physical limitations along with medical conditions and prescription medication can hinder the ability to drive. The most common condition the Department of Motor Vehicles (DMV) decides to restrict a license is for failing cognitive skills including memory, coordination and flexibility.

Although, more options are available for aging drivers. “Driver programs and car innovations are readily available to meet the challenges of senior drivers,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

For example, The Florida Department of Highway Safety and Motor Vehicles (DHSMV), has developed the Florida GrandDriver program for aging drivers. It is an education and outreach initiative that provides information and resources on driving safely and how to plan for safe transitioning from driving. Also, Driver Rehabilitation Specialists offer refresher courses to keep driving skills sharp.

While it is important for senior drivers to maintain their driving independence, eventually elderly drivers and their family must have the difficult conversation about when driving capabilities are beginning to diminish and causing potential danger for others on the road and themselves. Consumer Reports found safety is the biggest motivator for handing over the keys.

How do you know it is time to have that awkward discussion with your loved one? AARP, has some warning signs that indicate a person should begin to limit or stop driving.

Delayed response to unexpected situations.

Becoming easily distracted while driving.

Decrease in confidence while driving.

Having difficulty moving into or maintaining the correct lane of traffic.

Hitting curbs when making right turns or backing up.

Getting scrapes or dents on car, garage or mailbox.

Having frequent close calls.

Driving too fast or too slow for road conditions.

The DHSMV requires that Florida drivers age 80 or older who renew their license undergo a basic vision test.

 

The post Too old to drive? appeared first on The GreatFlorida Insurance Blog.