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11 months ago · by · 0 comments

Texting and driving: a primary traffic offense in Florida

Texting and driving has become a primary traffic offense in Florida, and vehicle owners are approaching their auto-insurance provider to seek shield against the situation. Reports suggest that there has been an astronomical increase in the percentage of road accidents and other miscellaneous incidents as a result of texting and driving; therefore, the state of Florida is adamant on mitigating the violations by the implementation of a rule that forbids texting and driving.

Distracted drivers are likely to cause a national epidemic and they are likely to be penalized for their actions on the roads. Traffic authorities in Florida are installing modern surveillance equipment to look for any driver violating the law, and they are advised to fine the driver. Not complying by the penalty could result in the driver losing its license, along with paying for other expenditures. Therefore, you should make sure that your vehicle is backed up by an auto-insurance policy to minimize the effectiveness of the situation.

The implementation of the rule coups texting while driving in certain ways—for starters, car drivers are strictly prohibited from texting, messaging, emailing, and other types of typing on their mobile phone, and it would be penalized as a primary violation rather than a secondary violation. It implies that traffic cops would stop you for the sole purpose of texting while driving. Furthermore, the implementation of the law forbids the use of a cellular phone for texting while operating a motor vehicle in a school zone or roadwork zone area. However, the use of hands-free and Bluetooth devices is legal to attend calls.


Dangers of texting and driving:

Drivers or vehicle operators are strictly advised to not use their cell phones for texting. Other than causing inadvertent road accidents or violating a traffic law, dangers of texting and driving include the following:

  1. You are violating the law and depending on your state, you could receive a heavy penalty for the offense.
  2. It could cause your insurance to go up, and it is something that you should avoid to preserve your insurance for emergency purposes.
  3. You are likely to damage your car if you are not paying attention to the road or, you can hurt someone while you are responding to a text. As a result, you would have to endure their personal injury expenditure and pay penalty for the action.

Penalty for breaking the law:

The Florida traffic administration has ordered the implementation of the rule effective immediately, and it would levy a $30 fine for a first offense and the second offense would cost up to $60. The penalty is also inclusive of paying court costs and other fees to deal with the matter, and it could compromise your driving license in the meantime.

Additionally, Florida law requires car drivers to keep an auto-insurance to mitigate the effectiveness of the penalty. The Florida Motor Vehicle No-Fault Law has ordered vehicle owners/registrants to have a minimum of $10,000 of property damage liability (PDL) and $10,000 of personal injury protection (PIP) on their insurance policies to deal with the matter in case of breaching the law

Golden Gables Insurance offers cheap auto-insurance to auto owners. Get your auto insurance with Golden Gables Insurance



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11 months ago · by · 0 comments

Looking for the best deals in auto insurance?

This guide will help you get started!

While choosing the best deal when it comes to auto insurance in Miami can be tricky, it isn’t as complicated as people adjudged it – you only require access to the right information in order not to incur high costs. This can be got through research.

However, the following tips will assist you in making the right choice of insurance coverage that suits your vehicle, location, and economic and social status.

Identify your insurance needs. It is needless to settle for an insurance cover without understanding your policyneeds. Thus, your needs determine your right choice of cover.

Understand your state’s insurance policy requirements. Different states have different car insurance policy requirements and laws to which your coverage must comply in order not to get into trouble. For instance, Florida insurance requirements mandate all drivers to purchase $10,000 in personal injury protection for guaranteed treatment of anyone in a car accident.

Cost. While different insurance companies offer different prices for different policies, it is important to compare the prices of various insurance providers in your location to make sure you are getting the best rate.

Check the details of auto insurance each policy.

Many people have regretted their insurance policy choice as a result of their impatience to check every detail. You may have to seek the service of an expert for further clarifications.

If this tips sound like a little to much to do and you want to save time and money, contact Golden Gables Insurance for assistance.


Golden Gables Insurance assures you of quality insurance that suits your insurance needs.

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11 months ago · by · 0 comments

Shopping for the best auto insurance

Auto Insurance
  1. Shop around for your car insurance.
  2. Compare insurance costs before you buy a car.
  3. Raise your deductible.
  4. Reduce optional insurance on your older car.
  5. Bundle your insurance and/or stick with the same company.
  6. Maintain a good credit history.
  7. Take advantage of low mileage discounts.
  8. Ask about group insurance.

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1 year ago · by · 0 comments

Tips to choose Auto Insurance in Miami

auto insurancePeople are moving to Miami in droves due to its wealth of entertainment options, diverse cultures, and exotic cars. However, unknown to many residents and visitors, Miami has some of the strictest traffic laws ever, one of which requires all drivers to own automobile insurance. This can pose a problem for individuals because auto insurance in Miami can cost a lot. Nevertheless, here are three tips that can help you get a good car insurance deal in Miami.

1.      Go Over Your Driving Records

A great tip to getting a good auto coverage deal in Miami is to go over your driving record. The aim is to see whether you have any speeding tickets which are about to clear off. If you do, then it is best to wait till they are cleared from your record before applying, as this can help reduce the cost of your car insurance.

2.     Research Discounts on Auto Insurance

Another tip that can help you get a good car insurance deal is to look for discounts. Be sure to ask for discounts such as auto-pay discounts, clean driving record, car safety features, and other related discounts. You might get lucky and find insurance companies that give discounts based on any of these factors and more. In Miami, Golden Gables Insurance can help you find the best rates.

3.     Shop Bi-Yearly

Experts recommend shopping around for a good car insurance deal every six months. Doing so will expose you to some of the best car insurance rates around. Auto insurance rates in Miami generally tend to drop as the months go by. In fact, your insurance rates will continue to drop until you turn 60, so keep shopping for the best deals until then.

When you follow these few tips, you’re sure to find some of the best car insurance deals in Miami. If you would like more details on where and how to snag a good car insurance deal in Miami, contact us at Golden Gables Insurance today!

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Golden Gables Insurance
Albert Linares

300 Aragon Ave Suite 235, Coral Gables, FL 33134

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