Clifton and Lewis Insurance

The answer is simple regarding education, normally the more education you have the better you drive based on statistical data. Your occupation matters because some types of work have a tendency to use their vehicles more often and may even border on being used as a commercial vehicle (such as carpenter’s, pizza delivery etc.)

The reason is simple, the longer a person has been driving the more likely they are to be a good driver. As anyone who has learned to drive it is not something that you learn overnight. Another thing is to consider that insurance companies are looking for at least 3 years of driving history so that they can get a better idea of your driving history. If they only have a year or two, they think they cannot get a full picture of your ability to drive safely. One consideration which insurance companies make on its own without asking you, which goes back to driver’s license, is that insurance companies in Florida like to see if you have driven in Florida for at least three years. If you have had a Florida license for less than three years they take this in consideration when they give you a quote. The reason for this is that Florida is a more difficult place to drive safely than other states and countries (Canada).

If you receive all billing information through email instead of snail mail you can receive a discount. Homeowners are also eligible for discounts on auto and other insurance policies. Many carriers, like Progressive, offer apps for your smart phone that give people discounts for safe driving practices (following speed limit, not accelerating too often, not slamming on the brakes, not driving too much or at night, etc.)

It is illegal for independent insurance agents to charge clients a fee when switching insurances. Clifton and Lewis will never charge anyone if they decide to switch insurance carriers.

FR44 insurance is required to have when someone is convicted of a DUI. It is a certificate that's sent to the state from the insurance carrier, verifying that this individual is aware of the insurance they have to have because of their conviction. Typically this coverage is higher because the driver put themselves and others at risk.