Tampa Bay is a lovely place to live, yet, because claims are abundant in the state of Florida, auto insurance can be pricey. That being said, there are ways to bring your rates down.   1.         Shop around. Car insurance rates can vary drastically among companies for the same levels of coverage. Independent agencies help you compare quotes from several insurers to make sure you’re getting the best deal.   2.&n...

Many people with auto and homeowners insurance wonder if a personal umbrella policy (PUP) is really necessary. If you own property or have other assets, you should strongly consider umbrella insurance. A PUP covers a much higher limit and goes above and beyond liability directly relating to your home, boat, jet ski, RV, golf cart and auto. The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held res...

  Have you ever walked into a store the day after Halloween and felt like you flash-forwarded through time to mid-December? Ghost and skeleton decorations are instantly replaced with red and green foil, ribbons and bows, candy canes and Santa statues. Only days into November, Christmas commercials start airing on TV and some radio stations convert to all carols, all the time. But what about Thanksgiving? Thanksgiving is a time that’s rich in history and tradition and shouldn&rsqu...