Craig Duncan

March marks the beginning of spring break for many, making it essential to ensure that your auto insurance is up to date and adequate for your travel needs. Here are some important steps you can take to prepare:

• Review Your Current Policy: Take a close look at your existing auto insurance policy to understand what coverage you currently have. Pay attention to limits, deductibles, and exclusions.

• Check for Adequate Coverage: Ensure that you have enough liability coverage to protect you in case of an accident. Depending on where you live, consider increasing your coverage limits if necessary.

• Consider Additional Coverage Options:

  • Comprehensive and Collision: These cover damages to your vehicle from accidents and other incidents like theft or hurricanes.

  • Uninsured/Underinsured Motorist Coverage: This protects you if you’re in an accident with someone who doesn’t have insurance or whose insurance isn’t sufficient.

• Roadside Assistance: If you don’t already have it, consider adding roadside assistance coverage. This can be a lifesaver if you encounter car trouble during your travels.

• Review Rental Car Coverage: If you plan to rent a car, check whether your current policy extends to rental vehicles. You might need to purchase additional coverage from the rental company.

• Emergency Information: Keep a copy of your insurance card and emergency contact information in your vehicle while traveling.

• Plan for Long Trips: If you’re traveling long distances, consider any additional coverage you may need for that specific trip, especially if you're going through different states.

By taking these steps, you can ensure that you are well-prepared for your spring break travels, allowing you to focus on enjoying your time away rather than worrying about your insurance coverage. Safe travels!

Serving Pinellas County since 1987, Craig is a lifelong resident of Clearwater. We handle auto, home, business and life insurance in the communities of Clearwater, Safety Harbor, Oldsmar, Dunedin, Palm Harbor, Largo, and surrounding communities. Craig also served as the NAIFA-Florida president in 2021 and serves on the Citizen's Property Insurance Agents Advisory Council. Craig holds the ChFC designation and has qualified for State Farm's Ambassador Travel multiple times. Craig is also the founder of the Committee of Florida agents. He is also a life member and long-time volunteer for Ducks Unlimited, a wetlands conservation group. Our team of 13 licensed agents are well trained and committed to delivering excellent customer service to both our policyholders and our community. He is married to Barbara and has three children and three grandchildren.