Covington Insurance Agency Inc. is a Port Saint Lucie auto insurance agency with a focus on reaching out to our community to meet the needs of those around us in securing for the future.
Your business is appreciated at the Covington Insurance Agency!
We strive to be the agency that provides for ALL your insurance needs. We vow to provide regular updates about your insurance needs to keep you informed of available discounts and to guard against surprises at claim time. We pledge to keep you up to date on the products and services offered by the Covington Insurance Agency in providing home, auto, business, life insurance and retirement planning. Advice is free and the decisions are yours.
Our mission is to provide you with personal attention and professional advice. When you have a question about your insurance, you will not wait for an answer. We have experienced and licensed insurance advisers ready to help you. We have staff who speaks fluent Spanish.
My agency has cumulative experience of over 55 years in the insurance business. If we can't help you, we will refer you to someone who can. We also have a financial adviser on staff to assist you in creating a long-term plan to build and protect your assets.
At the Covington Insurance Agency, you are not just a number -- you are our reason for being here.
Licenses/Credentials:
Licensed in the State of Florida for Property & Casualty; Life, Health and Variable Annuities
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Your Port Saint Lucie Auto Insurance Agent: Keeping you Insured in Difficult Times
Everyone's looking for ways to cut back in these tough economic times. Many of us can find ways to save a few dollars here and there, but cutting out auto insurance shouldn’t even be considered. Trying to get by without auto insurance is risky business that could land you in some big trouble down the road. If you’re involved in an accident and don’t have auto insurance, how will you pay for medical expenses or repair your vehicle? What if you’re found liable for the accident? Never cancel your policy or let it lapse without contacting your Port Saint Lucie auto insurance agent first.
In the case of an accident, your auto insurance policy is there to protect you. Should you be injured or need repairs on your car after an accident, your auto insurance will help to cover your expenses. Your insurance can provide protection in the case of a lawsuit, if you are found liable for a vehicle accident. Even if it means short-term savings, doing without auto insurance is not a good idea. Auto insurance is legally required. Contact your auto insurance company to discuss practical ways to save money on your insurance rates.
Port Saint Lucie Auto Insurance Company: Having Enough Coverage
Maybe it’s time to go over your policy with a reputable Port Saint Lucie auto insurance company if a tight budget has you rethinking your expenses. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Remember that everyone’s situation is different and what might work for someone else might not be right for you. You can weigh your options, and maybe find some savings, if you take the time to go over your policy with your Port Saint Lucie auto insurance carrier.
The first thing you need to do is determine how much auto coverage you actually need. The law requires you to carry specific minimums. You must maintain bodily injury and property damage coverage, but the required minimums on these are not enough to offer real protection. Should you be held liable for an accident, and the other person’s injuries or damages is greater than your coverage, a lawsuit could risk your home and personal possessions. Your Port Saint Lucie auto insurance carrier can help you determine the amount of insurance coverage you should have.
A Qualified Port Saint Lucie Auto Insurance Agent can Help You Save
After you know exactly what kind of insurance you must have, you and your Port Saint Lucie auto insurance carrier can sit down and go over your policy to see if there are some areas of coverage that you can eliminate. Ask about rental car coverage. If you have coverage on your policy that provides for a rental car after an accident, this could be costing you extra. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. To determine what things you can safely drop from your policy and still be sufficiently covered, you should talk with a reputable Port Saint Lucie auto insurance carrier.
What kind of car do you drive? You might be able to drop your collision coverage if you have an older vehicle. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. But this only applies to the collision coverage of your insurance policy. You will still need to have the legally required coverage, no matter what year your car is. You can go over the numbers with your Port Saint Lucie auto insurance carrier to see if the age of your car warrants dropping the collision coverage.
Talk with your Port Saint Lucie auto insurance carrier about the possibility of a high deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. Probably the easiest way to save on your auto insurance is to take a higher deductible. Increasing your deductible can save you quite a bit of money every year. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
Your Port Saint Lucie Auto Insurance Agent: Helping to Keep You Insured
Another possible way to find some substantial savings on auto insurance is to find out if there are any discounts available from your Port Saint Lucie auto insurance carrier. Ask about a discount if you purchase more than one type of insurance from the same company. Why not get all your policies from one place and save some money while you’re doing it? This is especially true if you can get your homeowner’s and auto insurance through one carrier. Talk with your Port Saint Lucie auto insurance carrier about this possibility.
You may be able to get additional discounts from your Port Saint Lucie auto insurance carrier. How much do you drive? There are often discounts for people that drive fewer yearly miles. Less time on the road means there's less risk of an accident. Are you 55 or older? Ask about senior driver discounts. Older drivers are usually considered to be safer drivers. Sign up for a driving safety course. These refresher courses not only help improve your driving skills. but can save you some money as well. Talk with your Port Saint Lucie auto insurance carrier about the discounts they may offer.
Just because times are difficult, you shouldn’t be without the necessary things in life. If you drive, you need auto insurance. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified Port Saint Lucie auto insurance agent. He’s there to help you find affordable solutions. Not everyone’s circumstances are the same, but there are steps you can take. Talk with your Port Saint Lucie auto insurance agent if you’re feeling the pinch of these hard economic times. It’s possible he or she can help you improve your auto insurance coverage and save a little cash in the process.