GreatFlorida Auto Insurance - Hudson, FL - Joyce Kurtz
Auto Insurance Agency in Hudson, Florida

GreatFlorida Insurance Agency in Hudson, FL

Joyce Kurtz


13832 U.S. 19
Hudson, FL  34667
Fax : 727-819-1115

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Auto Insurance HudsonAuto Insurance Florida - FAQs

What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the b a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Hudson, you can get a Free Auto Insurance quote today. 

Simply call 727-819-1119 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Hudson.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Hudson.
  • We help you settle your claims quickly and fairly.

Simply call 727-819-1119 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Hudson will help you find the best deal for you.

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About Auto Insurance in Hudson, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Hudson, FL drivers are required to have a minimum of property damage coverage and personal injury protection. Joyce Kurtz at GreatFlorida Insurance Hudson, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

Joyce Kurtz at GreatFlorida Insurance in Hudson, FL shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 727-819-1119 or complete our online quote request form.

Florida Auto  Insurance Blog
by GreatFlorida Insurance

When the fuel light comes on in your car, does it set you in a panic causing you to dash to the nearest gas station or do you live on the edge and see how far you can make it?

Well, thanks to the auto website, YourMechanic, you can get a good idea how much further your car can go before it actually runs out of gas. They have put together a chart for the 50 best selling cars in the U.S. in 2015. The chart identifies how much gas is remaining once the low fuel warning light appears. It provides an approximate range of how many miles the car has before you are on the side of the road.

“Knowing how far you have before your car is truly empty can help calm your fears if you are driving a stretch of road with few gas stations or rest stops, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

how-far-can-you-drive-your-vehicle-on-empty-2-chart-revisedWhile the chart provides helpful information about how many miles you have left once the low fuel warning light is on, YourMechanic warns, “Exactly how far you drive on empty depends on both your vehicle and on your driving habits and conditions.”


Is it bad for your car to drive on empty?

Most car experts recommend keeping your car no less than ¼ tank full. Though rare, driving on empty can cause damage to your vehicle. Dirt and debris can settle at the bottom of your gas tank and cause a blocked fuel filter.

Additionally, Consumer Reports says, “gasoline acts like a coolant for the electric fuel-pump motor, so when you run very low, this allows the pump to suck in air, which creates heat and can cause the fuel pump to wear prematurely and potentially fail.”

“It’s a good idea, especially when heading out on a road trip to carry along a disposable gas container, suggests Buck from GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

How can you conserve gas?

Although, gas prices have only risen marginally over the summer it does not hurt to try and save as much at the pump as possible. The American Automobile Association(AAA) has the following tips to help you conserve gas when hitting the road.

Accelerate gradually

When coming to a stop, let your foot off the gas as early as possible.

Avoid warm-ups in the morning, they are unnecessary and waste fuel.

Use air conditioning rather than open windows, they create drag

Maintain appropriate tire pressure

Keep the air filter clean

Drive the speed limit

GreatFlorida Insurance provides dependable, individually crafted auto insurance at a price you can afford, call us today.







The post How Far Can You Drive on Empty? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

How much is your personal information worth? Car insurance companies are offering discounts in exchange for personal driving data.

“Traditionally, auto insurers have based price on categories such as age, gender, where you live and the type of car you drive to determine the price of auto insurance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Auto insurance companies are now offering plug-in devices or smart phone apps to track a driver’s habits. The devices monitor information such as, the number of miles driven in a day, the time of day or night a driver travels, as well as, rapid acceleration and hard breaking. In return, a safe driver could be eligible for up to a 30 percent discount.

The data gathered is used to evaluate accident risks. The idea is a tracking device will allow insurance companies to craft a more personalized auto insurance policy based on the customers’ specific driving patterns. In the future, usage-based insurance will allow insurance companies to reduce fraud claims, help in stolen vehicle recovery and process claims faster.

drive data

The goal is to identify safe drivers and entice them with discounts so they will remain loyal to the auto insurance company. Unfortunately, in the process these programs could expose riskier drivers making it more difficult to find affordable auto insurance.

“While discounts are appealing, an obstacle to usage-based insurance is privacy concerns,” says Buck with GreatFlorida Insurance, Florida’s top independent auto insurance agency. “Not all drivers are willing to share their private information.”

Chief Executive Glenn Renwick with Progressive, told the Wall Street Journal, “Progressive recognized from the beginning that it would be an uphill battle. Early company surveys of people’s interest in usage-based insurance revealed that about 40 percent of people had a viewpoint that was some variation on, ‘No way in hell.’”

Auto insurance companies realize earning the trust of customers will be key. Safeco’s website states, “We will not share the personally identifiable usage data we collect with any third party except to service your auto policy, for research as required by law.”

Their program, “Righttrack” offers an enrollment discount into their 90-day program. After the 90 days, they determine a final discount. The program is voluntary and free. A plug-in device is provided for participants.

Progressive has “Snapshot” a plug-in device that collects data about how much you drive, when you drive, changes in speed. Customers earn a discount based on their safe driving but risky driving can cause a rate increase at renewal.

After years of research Progressive concluded drivers have repetitive driving patters. Gathering data for a specific amount of time was sufficient to assess driving habits. Since 2008, close to 4 million drivers have participated in the Snapshot program.

Experts see usage-based insurance as inevitable despite privacy concerns. The economic benefits and convenience will outweigh apprehensions.

If you are looking for affordable car insurance, give GreatFlorida Insurance a call today.


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by GreatFlorida Insurance

The drive to work, a relaxing day at the beach or other fabulous summertime excursions shouldn’t be threatened because your ride is unreliable. The summer can be harsh on your vehicle and requires a little extra attention.

“Without spending a lot of money you can keep your car running smoothly and prevent major breakdowns and repairs,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Some maintenance can be done by knowledgeable DIYers while some upkeep, will require a skilled automotive technician.

AC-A fully operational air conditioning system is essential. A moderately operating AC system will fail you in the heat. Have a qualified professional check that it is functioning properly.


Cooling System– “The greatest cause of summer breakdowns is overheating,” says The National Institute for Automotive Service Excellence ASE. Your cooling system should be flushed and refilled every 24 months. A 50/50 mix of antifreeze and water is recommended. Never remove the radiator cap until the engine has completely cooled, wait at least 30 minutes. The condition of the driver belts, clamps and hoses should be checked by a pro.

Oil-Most technicians advise you to change your oil every 3,000 miles, but check your owner’s manual for how often your oil and oil filter need to be changed.

“You will need to change your oil more often if you tow a trailer,” says Buck with GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Windshield wipers-Dirty windshield wipers can cause eye fatigue, creating a dangerous driving situation. Make sure to replace worn out blades and have plenty of washer fluid in the reservoir.

Lights-Check that your lights are working properly and replace burned out bulbs. Keep them free of dirt and bugs. Never use a dry rag when removing dirt or insects from your lights, it can cause scratching.

Battery-Excessive heat can shorten the life of a battery. Car and Driver Magazine reports heat can cause battery fluid to evaporate, damaging the internal structure of the battery. Keep the top of the battery clean, dirt can be a conductor, which drains battery power.

Keep it clean-Wash your car every week to prevent exterior damage from the sun, UV radiation, salt, air pollution and acid rain.

Summer Driving Tips

GreatFlorida Insurance offers dependable and affordable auto insurance to suit your needs. Contact us today for a free quote.


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by GreatFlorida Insurance

When traveling, you can find as much joy in the journey as the destination. All it takes is a little planning. If you are taking a road trip, the following hacks could make the travel smoother while creating some amusement and fond memories.


“Sometimes the obvious can be overlooked when packing up a family,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency. “Make sure to bring along emergency gear and the appropriate documentation including, your license, registration and proof of car insurance.”


  • Interstates and highways that are odd numbers run, north-south. Those with even numbers run east-west.
  • Go old school with a map. Kids can follow your route and it could prevent hearing the dread question, “Are we there yet?”
  • If you are using your phone as your GPS and do not have a holder, binder clips and rubber bands attached to air vents can help keep it in place.
  • Take a screenshot of your directions from your phone while you still have a Wi-Fi connection.Road-Trip-Snacks2-copy


  • Play games as a team instead of competing against one another. This will prevent fighting during the license plate game or road scavenger hunts.
  • If you are bringing along your pooch, invest in a Kong toy. You can fill it with peanut butter. Dogs get bored too and this will provide entertainment without making a mess.
  • Download podcasts and audio-books. CD’s will be necessary to save your phone battery.
  • You can find travel game print-outs for kids at About Family Vacations
  • Use a pencil case or sunglasses case to store your cables, one spot and tangle free.
  • Bring a multi-port USB car charger


  • Make a stop where everyone can burn off energy, pack along a Frisbee or ball.
  • If you begin feeling tired, pull over to stretch, do jumping jacks or walk around
  • Get caffeine.

“Driving drowsy is just as treacherous as driving drunk,” reminds Buck with GreatFlorida Insurance, Florida’s largest independent auto insurance provider.

Clean & Organized

  • Store change for tolls in old plastic candy or gum containers. Remember to always have cash and some small bills on hand, for tolls.
  • A tackle box or craft container can help you portion out snacks and keep from overeating while saving some money by purchasing your own food.
  • A plastic cereal container makes a perfect no-spill trash can.

The American Automobile Association AAA, estimates this will be the second busiest Memorial Day weekend on record for road travelers. 38 million Americans are expected to hit the road. Lower gas prices, rising personal income and a strong labor market are believed to be the motivators for a greater number of travelers this year.

If you are looking for dependable and affordable auto insurance, contact GreatFlorida Insurance today.


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by GreatFlorida Insurance

Coastal living has many benefits but environmental factors such as saltwater and the sea air can affect the condition of your car.  A sea breeze can carry salt up to five miles away from the beach.

“If your car comes in contact with saltwater spray on a daily basis, it is important to pay special attention to the body of your vehicle,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Rust or oxidation breaks down the metal in your car when exposed to oxygen or water. Salt helps to accelerate this process. A car with rust is unappealing and unsafe and it will undoubtedly depreciate your car’s resale value.

The online car buying service CarsDirect, says cars usually have rust protection warranty for up to six years, but after six years is when vehicles begin showing rust. Sun and salt can destroy the finish on your car making it vulnerable to rust. The paint on your car is the first line of defense against rust. Bare metal oxidizes but a painted surface will not.

Rust or corrosion initially shows up on your trunk, hood or roof and then moves to the doors. Bubbles, scratching or flaking can be the first signs rust is forming. Small patches or little bubbles that appear on your car’s painted surface are considered cosmetic rust. It can easily be repaired as long as you take care of it because rust will spread throughout your vehicle rapidly.rusty

“By taking care of your car, you are protecting your investment,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency. “Paying special attention to developing rust and corrosion on your car will help maintain the life and reliability of your vehicle.”

Simple steps can help stave off rust from your vehicle. Experts recommend a weekly car wash and apply a wax coating once a month. Rinse your car, including the under carriage after spending time at the beach. You might consider keeping it covered when not in use.

If rust on your vehicle is neglected, more serious problems can develop. The combination of salt and humidity can cause corrosion to brake lines, gas lines as well as nuts and bolts, resulting in expensive repairs and dangerous driving conditions.

Automotive news and reviews website,, reports frame rust is a real concern and can affect the integrity of the car. “Bad enough frame rust can cause parts to snap off or crack, which will really compromise the safety of you, your passengers and other motorist. It may also significantly diminish the car’s ability to protect you in a crash.”

GreatFlorida Insurance has you covered for all your car insurance needs. Call us for a quote today.


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by GreatFlorida Insurance

Last year proved to be a tragic one on Florida roadways with a shocking increase in fatalities.

“Drivers often forget how engaged you must be to drive.  Changing traffic patterns, weather conditions and a lack of sleep can turn what seems like a mundane task into a challenging one,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Preliminary estimates from the National Safety Council (NSC) claim, “2015 was the deadliest driving year in since 2008.” They reported an 8 percent increase in traffic deaths from 2014-2015, the largest year-to-year percentage increase in half a century.

Over the last year, the NSC estimates Florida saw an 18 percent increase in traffic fatalities. Since 2013, Florida has experienced the fourth highest increase in auto accidents across the nation.shutterstock_483674171

A stronger economy and lower unemployment rates are influences likely responsible for the disturbing trend. Average gas prices were 28 percent lower in 2015 than the previous year making driving more affordable.

These troubling statistics have caused many to theorize that more accidents can be attributed to distracted driving. They believe specifically an increase in cell phone use among drivers and walkers, causing inattention to the road. The NSC reports a quarter of all car crashes involve cell phone use.

Some financial and insurance experts have pointed to an increase in distracted driving to be the cause behind some recent increases in rising car insurance premiums.

“You can often trace back auto insurance hikes to more than one issue,” says Buck with GreatFlorida Insurance, Florida’s leading independent car insurance agency. “Medical expenses are on the rise as well as traffic accidents. Also, while today’s cars are equipped with advanced safety systems they are also more expensive to repair.”

Among the traffic accidents occurring, is the alarming increase in the number of cyclists and pedestrian fatalities.

The Governor’s Highway  Safety Association (GHSA), Spotlight on Highway Safety annual report, indicates, last year saw the largest year-to-year increase in pedestrian deaths ever, with a 10 percent increase.

They believe factors contributing to the rise include; an increase in vehicle travel due in part to lower fuel costs and improved economic conditions as well as the increase use of cell phones among walkers and drivers.  The findings report that pedestrians now account for 15 percent of car accident deaths compared with 11 percent over a decade ago.

GreatFlorida Insurance has experienced agents across Florida to shop all the major insurance carriers to find the best car insurance at the best rate for you.


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by GreatFlorida Insurance

Owning an RV can be the means to seeking a life full of adventure. It provides freedom and allows you to spontaneously travel throughout the U.S.

“Traveling in an RV can be a rewarding experience for you and your family,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto and RV insurance agency.  “Whether you select a motorhome or a towable RV trailer, make sure you are covered before you hit the road to start creating unforgettable memories.”

How do you determine what is right for you, a motorhome or travel trailer? Do your research. Talk to owners of an RV, read through blogs and familiarize yourself with terms in order to get a better understanding of the RV market. The Go Rving website provides a wealth of information.


Motorhomes are divided into Classes. Class A Motorhomes are the largest and usually come with the most amenities, they are also typically the most expensive and luxurious.

Class B Motorhomes are the smallest of the three. They are built on a van chassis and are similar to driving a large SUV. They are ideal for two to three passengers on a weekend trip.

Class C Motorhomes are also built on a van chassis but can be as big as a Class A Motorhome. They are distinguished by an extended section over the cab which usually houses a bed. It’s a popular choice for a long weekend or a two to the three week getaway.

Motorhomes are considered easier to move and set up and they allow you to tow an extra vehicle for exploring. They have a self-leveling jack so there is no need for blocks under the wheels. The downside, if a repair is necessary, the entire rig has to go into the shop. Also, due to the motor they depreciate faster.  Another drawback, when towing a vehicle you will be unable to reverse.

Travel Trailers/ Towable

Travel trailers are less expensive and hold their value longer. Most can be towed by a standard pick-up, SUVs and some minivans.  They offer more living space and because they require a tow vehicle, you will have more freedom to make quick stops.

However, their long length can make parking an issue and you will have to deal with towing and hitching. It is not recommended and in some states illegal to occupy the trailer while in motion.

Other important considerations:

RV Insurance – “RV insurance is similar to your auto insurance,” says Buck. GreatFlorida Insurance, the leading independent RV and auto insurance provider in Florida offers comprehensive, collision, liability, content coverage as well as medical payments coverage. Check with your local agent about options for RV insurance.

Contemplate what you desire in an interior layout and amenities. Other budget considerations should include: maintenance costs, mileage, a storage and parking location, camping fees and connectivity-unless you are using this as an excuse to unplug from Wi-Fi.

RV shows often offer great deals on RV’s. Once you find a rig you like, USA Today suggests making a low ball offer on the purchase price. “RV pricing is not as standardized as that of the car market.” This gives the buyer a great advantage to get what they want for the right price.




GreatFlorida Insurance has been serving Florida for over 20 years and can provide you with top auto and RV insurance to fit your budget. Give a call today.


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by GreatFlorida Insurance

There can come a time in a career in Insurance when the bad days seem to pile up and the work environment doesn’t get any better. But leaving a job is not always a negative situation, It can sometimes open the door for another more positive opportunity.  Leading to a job that offers more independence and support as you advance in your career.

A number of now independent agents at GreatFlorida Insurance got their start as captive agents at large insurance companies, like Allstate and StateFarm, but felt over time, it was no longer the right fit.

Kevin Swanson with GreatFlorida Insurance Brandon was with Allstate for 13 years. “I grew tired of the corporation making all the decisions. Their (Allstate’s) decisions were not in the best interest of the agency owner but the corporation,” says Swanson.

Andy Villalon, owner of GreatFlorida Insurance Cape Coral on Santa Barbara Blvd. worked at Allstate for 17 years in claims and sales. While leaving Allstate on good terms, Villalon experienced high pressure to sell life insurance policies.  “If you didn’t meet the quota you would be referred to the term, “JNJ” meaning “job in jeopardy,” says Villalon.

Both men left their former insurance company to join GreatFlorida Insurance. Being an independent insurance agent at GreatFlorida Insurance allows agents to customize their agency and tailor it to fit market needs.

Independent agents can enjoy the freedom to sell the insurance products of their choosing instead of satisfying a quota. A captive agent represents one insurance company and sells only those products while following that company’s policies. Independent insurance agents offer their customers more options through a variety of insurance carriers giving customers a range of pricing options, a real benefit to the customer. Serving the community becomes a reality.

Swanson reports his time with GreatFlorida Insurance has been, “Absolutely Fabulous. Ellsworth, (Ellsworth Buck, Vice President of GreatFlorida Insurance) has been 100 percent supportive. At Allstate my goals were at odds with the company, at GreatFlorida their goals run parallel with yours. You can run the agency how you want to,” says Swanson. Swanson feels liberty with his future aspirations, “Allstate even dictated who you sold the agency to, at GreatFlorida you can pass it to your kids or sell it to the person you see fit.  At GreatFlorida the world is your oyster.”

Andy Villalon’s experience has been similar. “Allstate only offered one auto product. I spent most of my time telling people why they didn’t qualify. Now I am able to look for more options for our customers,” says Villalon.  Villalon is seeing more growth at his Cape Coral agency while experiencing more freedom. “They look out for us and continue to add options to help us grow our business. It’s a good franchise.”Screen Shot 2016-04-15 at 1.19.40 PM


GreatFlorida Insurance is committed to help their independent agents expand by providing them with resources to increase their business and presence in the community. This is accomplished by offering a strong online presence through the GreatFlorida Insurance website, and social media, boosting an agency’s exposure and bringing in business. They offer continued training and annual meetings for the agents to gather together and foster a real sense of community.

If you would like to learn more information about GreatFlorida Insurance Agency and their vast array of insurance policies and options visit or call 888-478-7801.

If you are interested in franchise options call our franchise hotline at 772-283-2933. We’re Insurance by Floridians for Floridians.

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by GreatFlorida Insurance

Buying a new car is exciting and can be a complicated process. “It pays to shop around,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. “Find out how much you can afford to spend, think about how you will primarily be utilizing the car and do some research.”

There is certainly no lack of information available on the internet, but too much information can be overwhelming. Discovering a valuable resource for the information is beneficial. U.S. News and World Report recently released their awards for the best 2016 car buys.

“The awards highlight a single vehicle in each class that provides consumers with the best combination of quality and value,” commented the magazine. Quality is measured by the overall score a vehicle has earned on the basis of safety and reliability, as well as a consensus of the opinions from industry experts. Value is measured by a combination of a vehicle’s five year cost of ownership and the average price paid for the vehicle.

Below is a list of some of this year’s winners.

Compact Car– 2016 Honda Civic2016-10best-cars-lead-photo-664005-s-original

Subcompact Car– 2016 Honda Fit

Upscale Small Car– 2016 Audi 3

Midsize Car– 2016 Toyota Camry

Upscale Midsize Car– 2016 Acura TLX

Large Car– 2016 Chevrolet Impala

Hybrid Car– 2016 Ford Fusion

Sports Car– 2016 Mazda MX-5 Miata

Wagons– 2016 Toyota Prius V

Subcompact SUV’s– 2016 Honda HR-V

Luxury Subcompact SUV’s – 2016 BMW X1

Compact SUV’s– 2016 Hyundai Tucson

Luxury Compact SUV’s– 2016 Lexus NX

2-Row SUV’s– 2016 Nissan Murano

3-Row SUV’s– 2016 Honda Pilot

Large SUV’s– 2016 Chevrolet Traverse

Full Size Trucks– 2016 Ram 1500

Compact Trucks– 2016 Chevrolet Colorado

Editors at Car and Driver Magazine had their own selection of 2016 best cars. They did not limit their list to one car per category. While many winners are listed above, more Jeep brand and BMW’s can be found on their list which expands categories to include convertibles and sports cars.

“Finding the right car for you will not be your only consideration. Car insurance is a requirement,” reminds Buck. GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Florida requires drivers to have the minimum of $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). The purchase of a new car you will most likely want a little more auto insurance than the basic requirement.

As you speak with your insurance agent you can determine the car insurance needs that provide you with the most comfort while staying within your budget. You can add comprehensive car insurance, uninsured motorist coverage, gap insurance, personal umbrella policy, emergency roadside service and rental car insurance.

If you are looking for auto insurance give GreatFlorida Insurance a call today, our friendly and knowledgeable insurance agents can get you headed in the right direction.


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by GreatFlorida Insurance

When filing your taxes, you want to take every opportunity possible to save money on expenses that can reduce your taxable income.

“Deductions are sometimes available on health programs and treatments such as smoking cessation, weight loss and alcohol and drug abuse, if it is not covered under your current health insurance policy,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent healthcare insurance agency.”

Below is a list of some commonly missed tax deductions and credits that could be available to you.deduct-home-business-expenses

  • State and Local Sales Tax Deduction– Floridians do not pay a state income tax making taxpayers eligible to deduct state income tax paid on purchases. If you purchased a large item such as a car or boat, you can add the sales tax paid to the amount sown on the IRS tax table.
  • Charitable Contributions-Money donated to your church, a charity or even if you purged your closet or home of household items and dropped them off at Goodwill, those can be counted. Out-of-pocket expenses such as food ingredients needed to prepare meals for a soup kitchen or if you drove your car for charitable activities, you can deduct 14 cents per mile.
  • Tuition-There are Hope and Lifetime Learning Credits, as well as the American Opportunity Tax Credit available for those taking classes. A tax credit is available for tuition, fees, books and other educational supplies for you, your spouse or dependents.
  • Health Insurance-“Health insurance premiums for self-employed people, are 100 percent deductible from their gross income,” reports Buck from GreatFlorida Insurance.
  • Job Relocation-Your moving expenses are deductible if you took a first job and moved more than 50 miles away. You can deduct 23 cents per mile of getting you and your household goods to the new area, including parking and tolls.
  • Casualty, Disaster and Theft-Casualty, disaster and theft losses can be deducted on your tax form, but the IRS has some stipulations. The IRS states, “You may not deduct casualty and theft losses, (generally covered by homeowner’s insurance) unless you reduce the loss by the amount of any reimbursement or expected reimbursement.”
  • National Guard-National Guard and Reservists can claim overnight travel expenses.
  • Gambling Losses-Your losses cannot surpass your winnings, which must be reported.
  • Child Care-A child care tax credit is offered, worth 20 – 35 percent of what you pay in childcare while you work.

Financial management company, Intuit suggests a tax credit is better than a tax deduction because it reduces your tax, dollar-for-dollar. As painful as filing your taxes is, take your time to think back over your finances for the year to save money on your taxes.

GreatFlorida Insurance is the leading independent insurance company in Florida, offering health insurance, homeowner’s insurance, car insurance and boat insurance. Call us today for a free quote.

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