Serving Palm Beach Gardens, FL
Nick DeRosa and Associates
Proudly Serving the Palm Beach Gardens Area for Over 30 Years
Nick DeRosa and Associates is a reliable and honest Palm Beach Gardens auto insurance agent who you can count on. Our agency has been representing the Palm Beach Gardens area for over 30 years. We have been recognized as one of the top 100 agencies in Florida for customer satisfaction. You will be treated with respect and kindness in all interactions with our agency. We assist our customers with a review of all their personal needs, including auto, home, boat, motorcycle, liability and life insurance.
Give us a call and we'll find the right policy for you.
We service the following cities: Jupiter FL, West Palm Beach FL, Wellington FL, Lake Worth FL, Boynton Beach FL, Royal Palm Beach FL, Greenacres FL
We service the following counties: Palm Beach County FL, Broward County FL,
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Everyone's looking for ways to cut back in these tough economic times. Many of us can find ways to save a few dollars here and there, but cutting out auto insurance shouldn’t even be considered. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. What if you're in an accident and have no coverage for medical expenses? Don’t let your insurance policy lapse without talking to a qualified Palm Beach Gardens auto insurance company.
In the case of an accident, your auto insurance policy is there to protect you. Should you be injured or need repairs on your car after an accident, your auto insurance will help to cover your expenses. If you are found liable for a vehicle accident, your insurance can provide protection in the case of a lawsuit. Even if it means short-term savings, doing without auto insurance is not a good idea. Auto insurance is legally required. Contact your auto insurance company to discuss practical ways to save money on your insurance rates.
Maybe it’s time to go over your policy with a reputable Palm Beach Gardens auto insurance company if a tight budget has you rethinking your expenses. There are a few things you can do to make sure you and your family are adequately covered and still get reasonable rates on your auto coverage. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. You can weigh your options, and maybe find some savings, if you take the time to go over your policy with your Palm Beach Gardens auto insurance carrier.
Start by finding out how much insurance coverage you really need on your vehicle. There are minimums that the law requires you to carry. You must maintain bodily injury and property damage coverage, but the required minimums on these are not enough to offer real protection. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. The Palm Beach Gardens auto insurance agent can advise you on exactly how much coverage you need.
After you know exactly what kind of insurance you must have, you and your Palm Beach Gardens auto insurance carrier can sit down and go over your policy to see if there are some areas of coverage that you can eliminate. Do you have car rental coverage? If you have coverage on your policy that provides for a rental car after an accident, this could be costing you extra. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. To determine what things you can safely drop from your policy and still be sufficiently covered, you should talk with a reputable Palm Beach Gardens auto insurance carrier.
What type of vehicle do you have? If you have an older vehicle, you might be able to drop your collision coverage. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. But this only applies to the collision coverage of your insurance policy. You will still need to have the legally required coverage, no matter what year your car is. You can go over the numbers with your Palm Beach Gardens auto insurance carrier to see if the age of your car warrants dropping the collision coverage.
Talk with your Palm Beach Gardens auto insurance carrier about the possibility of a high deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. One of the simplest ways to keep your auto insurance rates down is to increase the amount of your deductible. By accepting a higher deductible you could be saving a considerable amount of money annually. If you do go with the high deductible, make sure you can afford it if you need to file a claim against your policy.
One major way to find potential savings with your auto insurance is to look at some possible discounts that your Palm Beach Gardens auto insurance company may offer. Ask about a discount if you purchase more than one type of insurance from the same company. Why not get all your policies from one place and save some money while you’re doing it? A good example of this is buying your homeowners’ or renters’ insurance from the same company that handles your auto insurance. Ask your Palm Beach Gardens auto insurance agent about this option.
You may be able to get additional discounts from your Palm Beach Gardens auto insurance carrier. Are you an infrequent driver? There are often discounts for people that drive fewer yearly miles. Less time on the road means there's less risk of an accident. Are you 55 or older? Ask about senior driver discounts. Older drivers are usually considered to be safer drivers. Sign up for a driving safety course. Taking a course can help you improve your driving safety awareness and save you a little money in the process. Find out what discounts might be available by talking with the auto insurance company.
Just because times are difficult, you shouldn’t be without the necessary things in life. You need auto insurance if you drive. Any money you think you might save is not worth the risk of driving without it. Your Palm Beach Gardens auto insurance carrier is there to help you find affordable answers. Remember that every driver’s circumstances are different, but there are things you can do. Talk with your Palm Beach Gardens auto insurance agent if you’re feeling the pinch of these hard economic times. It’s possible he or she can help you improve your auto insurance coverage and save a little cash in the process.