Tips for Buying a New Motorcycle

You want to feel the wind in your hair and enjoy the open road, but you have so many options to choose from. It’s important to determine what type of motorcycle you desire, any special features you want it to have, and whether you want to purchase new or used, among others. Palm Valley Insurance Inc. gives Ponte Vedra Beach, FL and the nearby region insight on how to select a motorcycle and can even provide you with insurance. 

New Vs. Used 

This often is completely dependent upon your budget. Most used motorcycles are more cost-efficient. However, you sacrifice access to the latest features when you choose to purchase a used motorcycle. You also have to keep in mind that you may have to invest more money into an older bike in the future in order to keep it roadworthy. You may want to consider whether you’re going to use the bike for fun or transportation because they could have an impact on whether you want a new or used motorcycle. 

Determining the Size

If you’ve never had a bike before, the best way to determine the correct size you need is to go to a dealer and try different ones. You’ll be able to tell which one feels most comfortable based on your height. You’ll also want to consider the weight of the bike because a heavier motorcycle doesn’t handle as well. 

Choosing Special Features

If you want special features, you should choose these features based on your intentions for your bike. For instance, if you’re going to use it for taking long-distance trips, you may want it to have wind protection and a luggage storage compartment. The comfort of the seat also plays a role. 

Get a quote from Palm Valley Insurance Inc., serving Ponte Vedra Beach, FL and the surrounding area, by calling 904-595-6500.

 

 

 

Does Umbrella Insurance Cover My Physical Property?

Umbrella insurance sounds a lot like a term that encompasses everything you could think of. However, these policies are typically only designed to provide additional coverage in the case of a liability or slander claim. It goes above and beyond the limits of your general coverage so you don’t have to pay for the expenses out-of-pocket. If you’re thinking of getting this extra form of protection, Palm Valley Insurance Inc. wants you to understand more about how it works. 

Liability Claims 

Everyone is subject to liability claims, regardless of where they live in Ponte Vedra Beach, FL or what they do for a living. Even an unemployed person renting an apartment can have a liability claim filed against them if their friend trips in their hallway and breaks their leg. However, some people are simply more prone to claims than others. For example, an executive in a high-profile position may be seen as more of a target by outside parties. A general liability policy will have limits as to how much it pays out, and a person can easily reach those limits early into the claim process. 

Finding Help

Umbrella insurance is there to fight major claims or to settle them outside of court. It can even help a person restore their public reputation if they were wrongfully accused. Umbrella insurance can be a smart move for anyone to buy — especially if they own their own home or business. If you live in Ponte Vedra Beach, FL and want to learn more about how a policy can protect you, call Palm Valley Insurance Inc. today. We make it easy to understand the terms of your general liability policy, and how you can use an umbrella policy to protect your livelihood from a potential lawsuit. 

Life Insurance in Your Golden Years

Florida. If you were on a trivia game show that would be your first response if prompted with the question – “What Is the number one retirement state?”. There is nothing wrong with this perception of our beautiful sunshine state. The astute and courteous staffers at the Palm Valley insurance Inc. located in Ponte Vedra Beach, FL are well aware of the laws and regulations that govern life insurance in Florida. 

Once you enter your golden years it is a good juncture to review all of your life insurance policies. Most likely your needs have changed and the policy that you may have taken out some decades ago should be refreshed or replaced. Because life insurance is such an individualized product it is a great idea to speak with a professional about how to best protect yourself and your loved ones. 

 If you happen to have a whole life comprehensive insurance plan you may want to assess what your lifestyle needs are. These insurance policies usually accumulate value and you are able to borrow against them for major life events. Once you are in the golden years of your life major life events have probably changed dramatically.  Most likely you don’t need to save for your children’s college education or a new home. Speak with an agent to determine whether your needs would best be met with a whole life plan or a term life plan at this time.

Call Palm Valley Insurance Inc. today  904-595-6500. We have several locations but our address in Ponte Vedra Beach, FL is 166 A1A #215 Ponte Vedra Beach FL 32082.  We are your go-to agency for many different insurance products. In addition to life insurance, we can help you with your auto, home, commercial, flood and umbrella insurance needs. We look forward to serving you soon make it a point to stop in or call today 

Hitting the Road? What Kind of Auto Insurance Coverage Do You Need?

If you’re planning a spring or summer road trip, take time to review your auto insurance to ensure you have adequate protection for your travels. You don’t want to be caught short on a coverage when you’re far from home. At Palm Valley Insurance Inc. in Ponte Vedra Beach, FL, we can help you update your policy to meet your travel needs. Here’s what you should know about your insurance coverage before hitting the road.

Location May Affect Coverage

States vary on minimum auto insurance requirements, particularly liability coverage. If you plan to travel cross-country, ask your Palm Valley Insurance agent if your policy comes with a broadening clause that extends liability coverage to meet the requirements of the states you’ll be traveling through in order to protect you against accidents.  

Coverage for Additional Drivers

If you’re traveling with friends and plan on having them help with the driving, make sure they’re covered under your policy.

Coverage for Trailer

Depending on the length of your road trip and the number of participants, you may want to attach a trailer to your vehicle for hauling luggage, camping gear, sports gear, etc. Before hitting the road, make sure this trailer is covered in your auto insurance policy.

To fully protect your trailer and its contents, you’ll need liability, collision and comprehensive coverage. While you’re at it, make sure your vehicle has adequate collision and comprehensive coverage to protect you against crashes, theft, vandalism, and damage from adverse weather. You never know what you’ll come up against on the road.

Roadside Assist

If your policy doesn’t include roadside assistance, consider adding it on for your travels. This protection is a lifesaver if you have unexpected car troubles far from home.

To learn more about auto insurance protection for road trips, contact Palm Valley Insurance Inc. in Ponte Vedra Beach, FL.

Why homeowners in the Ponte Vedra Beach, FL area are taking a closer look at their home insurance policies

Florida is known for some rough weather, and homeowners in the greater Ponte Vedra Beach, FL area are making sure that they have the protection they need. If you want to rest easy the next time a storm is coming, the team at Palm Valley Insurance Inc. can help you get prepared. Our team of professional agents understands the importance of our clients’ homes, both financially and emotionally, and it is our privilege to help our community protect their property and their families. A lot of basic policies do not include the coverage that you may need.

Comprehensive coverage for your home 

If you find yourself lying awake at night panicking about hurricane season and the damage and disruption that your family could potentially face, it’s time to take a closer look at your home insurance. There are many different types of natural events and causes of damage that may not be covered by your basic policy. If you want to be certain that your home and family are protected, no matter the cause of damage, it’s time to find out more about comprehensive and supplemental policies. Don’t wait until a storm has caused damage to your house before you take a look at your current policy. It is always best to be prepared and knows that you have your bases covered before hurricane season begins. 

Ready to find out more about the protection a comprehensive homeowners policy can provide to you and your family? The team at Palm Valley Insurance Inc. is here to help the residents in Ponte Vedra Beach, FL and the surrounding area secure appropriate insurance. Call or stop by today to meet with one of our knowledgeable and friendly agents!

Don’t think you can skate by without renter’s insurance!

If you are a renter in the greater North East Florida area and don’t have rental insurance, it’s time to talk to the team at Palm Valley Insurance, Inc. Don’t be mistaken and think that your belongings will be covered by your landlord’s policy. While the structure that you reside in will be included if any damage should occur, your belongings and the items inside of your unit are your responsibility. Many people make the mistake of thinking that they are covered and do not need renter’s insurance, but find out after an incident that they have no protection at all. Don’t let this happen to you!

Now is the time to get your renter’s insurance policy in place

If you have been procrastinating on obtaining renter’s insurance, or you just weren’t sure if you needed it or not, now is the right time to act! Renter’s insurance can give you the peace of mind that comes with knowing that you are prepared in the event that the worst case scenario should occur. Your landlord’s policy will not protect your items; don’t let this be an expensive lesson for you to learn. A comprehensive renter’s insurance policy can protect you from such occurrences as fire, burglary, and water damage. Now is the perfect time to review your policy options with a local and trusted agent. Renter’s insurance is something that everyone should have to protect their personal belongings, and it is a simple and effective way to protect your financial health. 

Don’t be left feeling like you have made an easily avoidable mistake! Obtaining a renter’s insurance policy is easy to do when you have the help of the team at Palm Valley Insurance, Inc. Don’t leave the protection of your North East Florida area rental to chance. Contact our offices today!

Why Do I Need to Take a Motorcyle Driving Class?

Motorcycle ownership can be exciting. However, in order to make the most of your time on your bike, it is essential to be as safe as possible. Here are a few ways from Palm Valley Insurance, Inc. you can make your biking experience in Ponte Vedra Beach, FL and around the state the best possible. 

Take a Motorcycle Driving Class

Driving a motorcycle is very different from driving a car. This is why it is important not to assume that just because you know how to drive a car, you will also know how to drive a motorcycle safely. Motorcycle driving classes help individuals learn the very specific driving techniques required to drive a motorcycle. These classes also help you learn how to safely interact with other drivers on the road to avoid accidents. 

Educated Drivers Improve Biking Reputation

Over the years there has developed a stigma about motorcycles and safety. This has developed in part due to the small percentage of bikers who are not safe and have not taken the time to learn how to be safe while on their bike. By taking a motorcycle driving course, you are doing your little part to increase motorcycle education and to help correct this idea about motorcycle safety. 

Insurance Discounts

Some companies offer discounts to individuals who will go the extra mile to ensure that they are well educated on how to drive safely. Since insurance costs can add up when you add a motorcycle onto your policy, this is a great way to protect yourself, save some money, and learn some new skills. 

If you would like to learn more about motorcycle safety, motorcycle insurance, and how you can make the most of motorcycle ownership, please call today to speak to our friendly staff at Palm Valley Insurance, Inc. serving Ponte Vedra Beach, FL and North East Florida. 

Can You Buy an Umbrella Insurance Without Another Policy to Attach it To?

Umbrella insurance is something that many people can benefit from but that they may also not know much about. Umbrella policies can help add coverage to policies you already have and can help to improve your overall insurance coverage. For those that live in Ponte Vedra Beach, FL or the North East Florida area, the agents with Palm Valley Insurance, Inc. can help you determine what sort of insurance policy you need and what is going to work best for you.

Overall, umbrella insurance is quite useful but may not be helpful if you do not already have some insurance coverage. While you can take out an umbrella policy even if you do not have insurance from another company, most companies, even those selling umbrella policies, are going to suggest you take out standard coverage first then adjust it to be above the minimum limits before you can take out an umbrella policy.

With an umbrella policy, you are going to want to have some other form of insurance in place to make sure that you are getting the most coverage possible. It depends on the company you are buying from whether or not they are going to let you take out an umbrella policy without having another plan in place. The real issue comes when you try to cash out on an umbrella only policy. It helps to talk with an agent about your coverage if you are considering purchasing an umbrella policy. For those that live in the Ponte Vedra Beach, FL and the North East Florida area, the agents with Palm Valley Insurance, Inc. can help you determine what policy is going to work for you and can help by answering any questions you may have about umbrella insurance.

What’s the difference between term and whole life insurance?

Insurance can be confusing, and one of the most confusing topics is life insurance. If you live in Ponte Vedra Beach, FL, the agents at Palm Valley Insurance, Inc. are happy to answer any questions and help make sure you get the coverage you need. 

The first thing you have to decide when choosing a life insurance policy is if you want a term life or a whole life insurance policy. The sooner you select, the sooner you can lock in a low rate.

The benefits of term life insurance 

A term life insurance policy will be paid out upon the death of the policyholder. This is a favorite type of coverage because it helps to deal with the expenses that come with death, such as funeral expenses and the sudden loss of income. 

Term life insurance is less expensive and easier to use. There is a set term, like five years or 20, and when the term is up, there must be a new policy. The cost is greater after the age of 50.

The benefits of whole life insurance 

With whole life insurance, you can be covered for life. Instead of just paying out on death, a whole life policy has a cash accumulation.  What you pay in adds up, and you can borrow against your policy or just take money out.

While the initial payments are higher, a whole life insurance policy can save you money in the long run. You might need a health exam to get started. 

Which policy is best for you in Ponte Vedra Beach, FL depends on factors like your age, your children’s ages, and your health. Call Palm Valley Insurance, Inc. to discuss the best options for yourself and your family. 

Who is Covered Under Your Auto Insurance Policy?

Whether you own a new or older vehicle, auto insurance is a must to protect you and others on the road. At Palm Valley Insurance, Inc., we can help you select an insurance policy that suits your budget and driving needs. If you plan to let others borrow your vehicle, you should make sure your policy offers coverage for your guest drivers. The following guidelines can help you understand who is covered under your auto insurance policy.

Members of the Same Household: In general, anyone that lives with you is protected by your auto insurance policy. This could be your spouse, son, daughter, mom, etc. If they have permission to use your vehicle and have a valid driver’s license, they will be covered under your policy. Many states require that members of the same household be listed on the same auto insurance policy to receive coverage.

Visiting Relatives: If a relative comes to visit you in Ponte Vedra Beach, FL and you permit them to drive your car, he or she will also be covered under your policy. Just make sure your relative has a valid driver’s license before loaning out your car. If your relative decides to stay for several months, you may need to add him or her to your policy to get coverage.

Friends: You may on occasion permit a close friend to drive your vehicle to fetch something from the store or pick your children up from school. If your friends have permission, they, too, will be protected under your insurance. Friends and visiting relatives, however, may have reduced coverage due to not being listed on your policy. You can review your policy to see what kind of protection these drivers will receive.

For quality auto insurance to meet all your Northeast Florida driving needs, contact Palm Valley Insurance, Inc. in Ponte Vedra Beach, FL.