Sarasota, FL -- (SBWIRE) -- 01/26/2012 -- This past holiday some families may have chosen to give one of the family vehicles to a teenage child to spare the expense of buying a new car.

Many families choose to give an already-paid-for automobile to one of the children as a holiday gift. This tells the child that they have earned trust and proven that they are responsible. It can be a touching moment when a teenager takes the keys of their very own car for the first time.

But it is important to remember that re-examining an insurance policy is a part of that step. Whether mom got a new car and the teenager becomes the primary driver of the old station wagon or dad bought a new truck and gave the old sedan to the teenager, it is important to go back over the Florida auto insurance quote after the holidays to make sure everyone has sufficient coverage.

"We see a lot of people who get a car as a Christmas gift and they want to give their old car to their teenager," said Vincent Payne of AGIC Insurance, Inc. "This can work out easily but it is important to have the Florida car insurance filed correctly in case something happens."

Teenagers in cars need to be closely monitored to make sure they are not using electronic devices while they are driving. Many states outlaw using smartphones while behind the wheel, but some other states are even stricter when it comes to teenagers and mobile phones.

Florida does not have any laws restricting mobile phone use, which makes it even more important that parents keep a close eye on driving teenagers.

To learn more about how to get a great Florida auto insurance premium, visit http://www.agicinsurance.com or call AGIC Insurance at 1-877-854-0123.

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Sarasota, FL -- (SBWIRE) -- 12/15/2011 -- For many Floridians, the winter holidays are a time to see relatives up north. It is important to remember that it takes a different mindset to safely drive in snowy and icy conditions. Florida drivers should check with their relatives to see if there are any precautions they suggest, and call their Florida auto insurance agent to make sure their coverage is current and addresses any concerns they might have.

"For native Floridians who have never driven in snow, let alone dealt with icy roads, the family trip up north can be a stressful one," said Vincent Payne of AGIC Insurance, Inc., a Florida car insurance company. "Get peace of mind by having a chat with your insurance company and learning more about how to drive in cold climates."

Sometimes the most basic tips are helpful to arrive at the family's snowy holiday destination. Trips can take longer in wintry conditions, so make sure to give the driver extra time to drive safely. Driving slower is important when it is sleeting, icy, or snowing, as it does take longer to brake, turn, and even accelerate in these conditions. Make sure to not ride the bumper of any cars in front, as braking can get tricky in winter weather.

"Make sure your cellphone is charged and the gas tank is full if you know you will be heading into dangerous weather," said Payne. "Having properly inflated tires helps too and buy a scraper to use up north to get frost or snow off your automobile."

Other basics to know are to be extra careful when driving over bridges or areas that do not get much light. Cruise control should also be avoided when the road is slippery as sudden braking or accelerating can cause hydroplaning.

AGIC Insurance, Inc. makes it easy for drivers to be prepared for holiday driving. Over the phone or online, drivers can get assistance and learn more about their affordable Florida auto insurance quotes. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

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Sarasota, FL -- (SBWIRE) -- 12/15/2011 -- In the 2012 Florida Legislature, personal injury protection laws in the state will get a big overhaul. With auto insurance fraud a big problem in the state, Governor Rick Scott is looking to the state's biggest cities for ideas to overcome this issue. Miami and Tampa have the largest number of staged car wrecks, according to police and insurance investigators.

"The issue not only affects the area's residents and emergency resources, but it drives auto insurance premiums up," said Vincent Payne of AGIC Insurance, Inc., a Florida auto insurance provider. "The state's efforts to crack down on this issue are needed to make auto insurance more affordable and protect people who have been truly injured in an accident."

Hillsborough County has improved its PIP fraud rate and noted more than 123 arrests, 150 criminal charges, and 273 unique cases that investigators have analyzed during the last 15 months. The county's sheriff's office is looking for people who stage crashes and get kickbacks from bogus medical clinics. They are also investigating clinics that overtreat patients to bilk the system.

"PIP insurance is required by law and coverage must be at $10,000 at a minimum," said Payne. "If you are looking for ways to save money on your insurance, we can look at what the requirements are and what areas can save you more, such as deductibles and optional parts of your policy."

Tampa Bay, specifically, has seen an 81 percent rise in PIP premiums. But for drivers who have a good driving record, drive autos with safety features, and have a low-risk vehicle, they can still get affordable Florida auto insurance quotes.

AGIC representatives will help drivers shop around for the best Florida car insurance coverage. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

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