How does loud music affect Florida automobile insurance?

How does loud music affect Florida automobile insurance?

Everyone wants to listen to music while driving their car in Florida with the top down. It can make driving a more pleasurable experience. However, listening to music while driving your car can be dangerous in certain situations. Turning up your music extra loud in the car may put yourself and others at risk. Read below about the dangers of listening to loud music according to’s recent study.

Say What????

Loud music in your automobile makes it hard to hear what’s happening in your surroundings. You may miss out on hearing sirens or a horn to alert you that you need to stop or pull over. Seeing your surroundings while driving on the road is just not enough. Being able to hear your surroundings is as equally important. Especially in a busy state such as Florida.

Listening to loud music can also cause drivers to distract themselves from the road by snapping their fingers, drumming on the steering wheel, and bopping up and down in their seat. This is very dangerous when it comes to driving. You may cause an automobile accident.

Loud music while driving can also make you zone out. You may be so immersed in the music that you fail to see other vehicles or the pedestrians around you. Some music can also make drivers sleepy, which is a major risk.

What should I do to protect myself?

Now you know that there are so many risks involved with listening to loud music while you’re driving. It should be your priority to protect yourself while out on the road. If you currently do not have any coverage, you should get a Florida auto insurance quote at

What Else Distracts Drivers?

Loud music is not the only thing that is distracting when it comes to driving your car. You must also consider other things that can distract you while driving. For example, channel surfing. Surfing for a channel distracts your attention from the road as well. You could end up rear-ending someone, run a red light, or even a stop sign.

If you listen to music while driving your car, you should listen at a low volume so that you can hear what’s going on around you. Pay attention to all your surroundings, and don’t get distracted by changing radio stations or finding the right song on your phone.

In order to be covered in an accident you must have proper auto insurance. Websites online are the best way to collect Florida auto insurance quotes. They will help you save time and money while ensuring you get the best rate.

By collecting a few quotes online, you will be well on your way to savings. Being covered will pay off in case of an accident. To find the best auto savings on the web, collect your quotes at They offer the cheapest insurance rates in Florida. We guarantee that you will save money on your next policy. Get started today!


Florida Homeowners Insurance for Trampolines

Trampolines are a great addition to any home. Every member of your family, no matter what their age, can use your trampoline for fun and get a great workout at the same time. It certainly beats sitting inside and watching TV. However, if you own a trampoline in Florida, you need to make sure you protect yourself. Florida home insurance for trampolines is a necessity to make sure your fun outdoor activity doesn’t quickly become a liability.

Trampolines and Homeowners Insurance

The truth is that, while trampolines may be great for your health and family fun, they don’t tend to do well with home insurance. That’s because using a trampoline incorrectly can easily result in injury especially for children and that’s exactly how far too many people use them.  Many owners also use a trampoline without a safety net which is just asking for trouble. More injuries will occur without the use of a safety net. As a result, claims due to trampolines are continuously on the rise and the payouts tend to be sizeable. Keep reading below to find out what else can go wrong when you purchase a trampoline.

What Can Go Wrong

There are a number of things that can go wrong with a trampoline which is why Florida homeowners insurance for trampolines from this website is so important. As you might expect, many people have fallen off trampolines and ended up breaking their necks or taking on some other type of injury. It’s not a huge number, but enough to get the insurance companies scared.

However, trampolines can also be considered an “attractive nuisance.” This means you can be liable for injuries someone else incurs even if that person wanders on your property without permission.

Obviously, though rare, injuries incurred while on a trampoline can be dangerous. Some, however, can be life-altering. When that happens, insurance companies are on the hook for several hundreds of thousands of dollars at least.

Certainly something like your home is a liability in at least as many ways when you consider how many things can go wrong with it. But, unlike your home, trampolines can attract kids from miles, meaning liabilities quickly stack up.

So If I have a Trampoline, I Can’t Get Insurance?

Not necessarily. It will just be more difficult than you think. When it comes to Florida homeowners insurance for trampolines, the provider may decide to decline you coverage altogether. However, they may also decide they’ll provide you insurance, but with an exclusion clause. This means they’ll insure your home as normal, but exclude the trampoline—that’s all yours. So if someone gets hurt on it, you have to cover it.

Other times, there may be stipulations. You may have to pay extra for a “nuisance surcharge.” They may insist you enclose the trampoline on all sides with a net to ensure better safety.

What If I Already Have a Policy?

Unfortunately, if you already have a policy from, you could be out of luck. That’s because they’re taking all the risk if you decide to put a trampoline on the property. So be sure you clear your purchase with them first before spending any money.

While trampolines can be a tremendous source of both fun and exercise, it’s important you do your research related to insurance first before buying one.


What do I need to know about RV Insurance in Florida?

RV insurance Florida residents want will be able to protect their motorhome, travel trailer, and camper. When it comes to RVs that are used for personal/recreational use, it can be insured for up to 250 days each year. This is plenty of time to travel and enjoy everything the Sunshine State has to offer. In fact, FL offers hundreds of RV parks and campgrounds. If you love your RV, Florida is perfect for you.

However, by driving your RV out on the open road, you are at risk. It’s important that you purchase proper RV insurance in Florida. Consider these factors below before you shop for a policy.

On average, RV owners put around 4,000 miles on their RVs each year.

RV owners have increased by 60% since 1980.

On average, Rv owners are out on the road for an average of 30 days per year on the road.

So why do I need RV insurance in Florida?

Purchasing an RV can be quite expensive. In fact, new RV can cost up to $55,000 depending on which type you want to purchase.  A lot of people agree that longer motorhomes are difficult to back up and turn in tight spaces. This can give many drivers a higher risk of accidents. Especially if they are a first timer. A single accident can cause thousands of dollars in repairs. This is where proper Florida RV insurance comes into play, according to

If you want to protect your investment, you will need coverage. Not only that, it is a requirement that you insure your RV before taking it out on the road.

What are FL RV requirements?

If you decide to drive your RV instead of towing it behind your vehicle, Florida law requires you to purchase insurance on it. It is just as important to understand RV requirements here in FL. Below are minimum liability insurance requirements:

$10 thousand bodily injury liability

$20 thousand bodily injury liability per accident for all persons

$10 thousand property damage liability

Florida actually has some of the lowest minimum liability standards than any other state. You may need to purchase additional coverage in order to ensure you are fully protected. Especially when you stop and realize how costly RV accidents are.

What’s covered?

You will have several options to choose from when it comes time to purchase your RV insurance in Florida at Listed below is what will be covered by a policy:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Campsite coverage
  • Full tier coverage