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Two Important Pieces of Insurance

Insurance can often be a complicated thing. It’s not just a matter of “how much do I need?” it’s just as much about “what type is right?” If these sound like the type of questions you ask yourself, keep reading. We’re going to discuss two important types of insurance just about everyone in the Midwest should have and both of which can be provided to you by Mendota Insurance Company here.

Auto Insurance

This one, of course, is a no brainer. Without auto insurance you shouldn’t even be behind the wheel. Technically, you’re breaking the law and you can get a ticket for simply driving without proof of your insurance.

It’s important to understand, too, that getting pulled over for any reason will result in a police officer asking to see proof you have insurance. And furthermore, being a great driver doesn’t mean you don’t need auto insurance. Accidents happen all the time and you can be in one even without being at fault. If you don’t have insurance, however, you can expect to pay a lot.

In the Midwest, top notch auto insurance is important. We get ice, black ice, snow, sleet, hard rains, floods and a lot more. These types of conditions can cause you to run off the road, into other objects, into other cars or simply to get hit by debris. All of these are reasons to be insured.

Mendota Insurance Company can help get you the auto insurance you need. There are a number of difference kinds, which is why it helps to have a professional walk you through the process.

Flood Insurance

Another important type of insurance for those of us who call the Midwest home is flood insurance. Here, too, Mendota Insurance Company can help.

Take a look at Minnesota. The state is known for having 10,000 lakes. While that number isn’t completely accurate it speaks to how many bodies of water we have. Naturally, that means there are a number of residences nearby these lakes. Furthermore, Minnesota is home to a number of rivers which are just as bad, if not far worse.

Some areas are known for flooding. If you live in one of them and haven’t already spoken to Mendota Insurance Company about flood insurance, you’re risking a lot. Other areas are less known for flooding, but that, of course, could all change overnight. If your home is by a large body of water or a river, flood insurance could provide you with the peace of mind you need.

When it comes to insurance in Minnesota, there’s only one company you need to know about. Mendota Insurance Company has a number of awards to their name for providing top notch service as well as the types of affordable insurance plans people need. Whether you need auto or flood insurance or are simply interested in modifying what you have, give them a call today. The sooner you sit down with them and get your insurance squared away, the better off you’ll be.

THE TOP FOUR CAR INSURANCE COMPANIES AT THE START OF 2014

From Ford’s Model T to Gatsby’s Yellow Roadster in F. Scott Fitzgerald’s The Great Gatsby, the rise of convertibles and Jack Kerouac’s Beat Generation ode to road trips, On the Road, the American car industry has marked and mirrored the times over the course of the last century.  Today, with Detroit still reeling from the Great Recession, The Big Three have had a difficult time bouncing back—but for all of that, car insurance companies are on the rise, and with more competition for ever, it should come as no surprise that the quality of service is likewise on the rise.  Here, then, as we begin 2014, is a look at the crème de la crème, the Top 4 Car Insurance Companies. If you want to avoid trying to figure out what company works best for you, contact an online service like http://yourfloridainsurancequotes.com/auto-insurance-quote/ as they deal with ALL the insurance companies that write policies in the state of Florida as well as from across the US.

  1. GEICO: There are few companies with a bigger media presence than Geico.  Between the Geico Gecko and their infamous “So easy a caveman can do it” set of adds—a campaign so catchy that it fooled a major television studio into thinking that a one-joke premise for a car insurance company could work as the basis for a prime-time sitcom—Geico is arguably the most brand-name-recognizable car company in America.  Fame will only get you so far, however, and Geico backs up this stylish PR campaign with more-than-substantial customer service.  Geico is frequently rated as one of the most flexible companies when it comes to coverage plans, a fact which was true in 2013 and looks to remain the case in ’14.  By giving a lot of leeway when it comes to insuring multiple vehicles, crafting individualized plans, and a slew of discounts—notably to student drivers, a relief to parents everywhere—Geico is and looks to remain at the top of the heap.
  2. PROGRESSIVE: With a name like Progressive, you have to do something relatively revolutionary, which is certainly one way to describe the company’s Immediate Response Vehicles.  This IRV service allows for immediate rental and towing services, as well as allowing those looking for an estimate to get one from a qualified agent from the comfort of their own home.  Progressive’s business model is very much geared in a service-heavy, customer-first manner, the only downside of which is that this commitment to service means that there are car insurance companies out there—such as Geico—that have expanded beyond the basics of good, high-quality customer service and have developed intricate and specialized plans which could, in the end, help you save even more.  For all that, however, there are few options better in terms of overall customer service.
  3. ALLSTATE COMPANIES SUCH AS ESURANCE: Allstate is another of the classic car insurance companies, and in recent years it’s branched out and embraced the digital age, forming online subsidiaries such as Esurance, which is itself touted as a “green company” for its increased emphasis on damage caused by carbon dioxide emissions.  While it’s less flexible than Progressive or Geico, and some complain its plans feature unnecessary features and costs, this is all testament to its commitment to variety.  What’s more, it offers a wide variety of discounts including—interestingly enough—some which are occupationally-based (ie, for engineers.)
  4. NATIONWIDE: Nationwide is, indeed, on your side, with a good balance of the virtues extolled in the above companies.  It’s a smaller, more personal, all-around company that’s renowned for its individualized treatment of its customers.

Five of the best Florida Attractions

Five of the best Florida Attractions

So what do oil tycoons do for fun after they retire?  It’s kind of like asking what does a 900 pound gorilla what they do in a china shop.  The answer?  Anything they want.  Luckily for Florida one oil tycoon decided to try his hand at resort development.  That man was Henry Flagler.  After partnering with the Rockefeller’s and being the brains behind the Standard Oil Company in the late 1800’s, Flagler’s doctors said that he needed to attend to his health.  He decided to vacation with his wife in Jacksonville.  He felt a little better and decided that Florida was a great place.  It was his next visit that sparked his imagination when he stayed in St. Augustine.  Although he liked how quaint the town was, he was used to travelling in fully decked Pullman.  He was used to living at a lifestyle that Rockefeller money commanded.  He made an offer on a hotel, with the mind to bring it up to his standards.  Well that deal fell through two or three times, and finally he launched his campaign to build one of the finest structures in the U.S.- the Ponce De Leon Hotel.  In the early 1900’s it had electric lighting and an Olympic size swimming pools.  And he was just getting started.  Can you imagine if you had to call and get your Florida insurance quotes back when he was getting started?  It would have been a whole different story for GEICO.  It would have saved them quite a bit of money.

Anyway, Flagler continued with his quest to open Florida to the American Gilded Age of travel by building the railroads that extended all the way to the Florida Keys.  Encouraging settlement, farming and of course tourism, in many ways he was the founder of much of what people enjoy today.  So of course there has to still be some great destinations.  What are they today?

Walt Disney World

By far Florida’s most popular attraction, Walt Disney took a page out of Flagler’s visionary book and created a theme park and media company that is second to none in the world.  This park is open year round so families can visit their dreams come true.  Whether or not you want a trip down memory lane with Mickey Mouse and friends or a terrifying ride on the Twilight Zone’s Tower of Terror, you will find something for everyone at this popular family destination.

Key West

Originally very difficult to navigate, the few people that lived there made their living by scavenging the shipwrecks that came floating their way.  Known as the most southern city in the continental United States it is actually closer to HavanaCuba than to Miami.  Thanks to the efforts of Flagler and others in the late 1800’s this has been the destination for approximately one million tourists each year.  The geography still allows these visitors to feel isolated enough to relax.  The location of Ernest Hemingway’s home, it is also legendary for being a favourite haunt of Ted Williams, the famed .400 hitter.  Anybody who has a penchant for deep sea fishing and needs a pub around the corner will be glad they came.

Everglades

One of the most unique ecosystems in the United States, what looks like a vast swamp land is actually a slow moving river.  It supports everything from dolphins to bald eagles and is a biology-minded, eco-tourist paradise.   With all its own idiosyncrasies both in local population as well as wild life, there are endless opportunities for hiking, boating, fishing and canoeing.  If you are going boating make sure to call about Florida insurance quotes to make sure all your permits are covered and in order.

South Beach

Before Miami Vice this area was a place where crime kept residents home at night.  With a decided effort to curb that situation (after the area received national attention with the popular Don Johnson character in the 1980’s), the area grew.  The TV show brought the area to the attention of fashion industry professionals and soon transformed this area into one of the richest areas of Miami Beach.  It also transformed it into one of the top tourist attractions in Florida known for hip clubs and wild nightlife.

Florida Keys

120 miles of tropical islands connected to the mainland by a series of bridges this is truly one of Florida’s most breathtaking ocean jewels.  Whether you want a jumping off point for deep sea fishing or just a quiet beach to let your hair down and relax you won’t find a better place.  The site of the movie Fast and Furious 2, the national attention didn’t detract from the pristine area.  With Key West gaining one million visitors a year, the highway as the most distant location, the rest of the islands give ample opportunity to wine, dine and relax.