car insurance claim form on desk with calculator and pen

Why You Need to Have Auto Insurance

Imagine cruising along to work, you take the same road each and every day and most of the time it is uneventful. However, on this early morning someone is driving under the influence and is heading straight towards you, but before you have time to react everything turns to black and you wake up to find yourself upside down. Your car has been flipped over and is a total wreck, so what are you suppose to do? Thanks to Downstate Group LLC you do not have to worry about draining your bank account because we offer a wide selection of different kinds of auto insurance in Spring Hill Florida.

Insurance is Critical

You never know when you will be the victim of a car accident and when you do become a victim, it is important to be prepared. Cars are not cheap and repairing them can cost a fortune. This is why you need to make sure you can talk to Downstate Group LLC and find the perfect auto insurance in Spring Hill Florida that can match all your needs.

Protecting your Finances

Repairing a car after it was involved in a car accident can be an extremely expensive affair. Especially with modern cars, just getting a new paint job can set you back thousands of dollars. So if you do not want to go bankrupt because of someone else’s bad driving then it is so important to think about finding some superb auto insurance in Spring Hill Florida. Even though insurance may seem pricey, at the end of the day it will be well worth it during that one time you find yourself in a car accident. It only takes one person to ruin your day, so just be prepared for the worst.

Contact Downstate Group LLC if you want to get auto insurance or if you want to learn more about your insurance options. You can call us at 877-755-9950.


How To Avoid Various Kinds Of Insurance Fraud

We at Downstate Group LLC offer several types of insurance policies. These include business insurance, home insurance, and Auto Insurance in Spring Hill Florida, among others. We make sure that you and your property are insured. However, you have to be vigilant with regards to dealing with several insurance companies that are in existence today.

Nowadays, lots of people become victims of various kinds of insurance fraud. Here at Downstate Group LLC, we believe that knowledge on the matter is an important of being vigilant. Here are some of the kinds of insurance fraud that any individual may come across with and how you can avoid them.

Unlicensed Insurance Agents

Insurance agents need to possess licenses for them to legally sell different types of insurance policies. For instance, one needs to have a license specifically for selling Auto Insurance in Spring Hill Florida.

You should be wary of an agent who cannot show his license, seldom or does not report in an office, hard to contact, or only sells insurance plans part-time. You need to make sure that the license is valid and current through checking with the state insurance department in your area.

Fake Insurance Policies

If an agent does not have a license, then, most likely, the policies that he sells are fake. If an insurance firm does not provide you with enough company information, such as address or contact numbers, you should be wary about them.

Before you purchase any kind of insurance policy from a particular company, or make any kind of payment, you should first check their reputation and their legality. You can call the appropriate local authorities for these details.

Fraud in Insurance Premiums

When you send money to the insurance company through an agent, the agent might keep the money for himself. There are a number of agents who do so. As a result, the firm might not issue you the insurance policy that you bought or cancel your existing one.

To avoid these scenarios, it is best to directly make your payments to the insurance company itself. A reputable and legal insurance firm sends you the bill on your home address or business address. As much as possible, you should avoid paying in cash for premium payments and use checks or credit or debit cards, instead. This way, you will be able to trace payments and transactions with bank records.

We at Downstate Group LLC are committed to providing you with authentic policies such as Auto Insurance in Spring Hill Florida. Call us at 877-755-9950 and choose from our different policies that are available and tailor-fit for you.


Welcome To The Wonderful World Of Insurance Selling

Sales people from any industry uphold special reverence for those selling insurance.

They say real salesmanship takes place when one is selling insurance policies. The reason? Insurance sales agents sell an intangible commodity (granting we consider what they sell as a commodity). To say that selling a “what if” scenario to a sales prospect is difficult is an understatement.

Insurance selling takes out a plethora of talent, skills and traits from an agent – from perseverance, to determination to patience to the ability to absorb rejections (which abound in the insurance market) and many others.

Kiss A Lot Of Frogs

The story about a fairy tale princess who kisses a lot of frogs to be able to find her prince aptly applies to those selling insurance. Objections are always the order of the day in the marketplace, so the agent must possess the doggedness of the princess in finding her prince.

Not only are objections abundant, competition similarly thrives.

It goes without saying it takes a special person with special skills-set, innate talent and unflinching resolve to succeed in the insurance arena.

Reap The Benefits Of Hard Work

The extraordinary effort of an insurance agent is paid very handsomely. You can see successful insurance people sporting state of the art cars, living in big houses, sending their children to top notch schools, taking vacations yearly and maintaining fat bank accounts.

But more than the material gains is the realization about what kind of a person he/she is really made of, the realization that he/she is a cut above the selling profession.

Welcome to Downstate Group LLC

If you have what it takes to succeed in the wonderful world of insurance selling, come and join Downstate Group LLC the premier agency for Auto Insurance in Spring Hill Florida.

You will not go wrong with us. The Downstate Group LLC markets several types of insurance that any client may require. When it comes to all risk management needs, the Auto Insurance in Spring Hill Florida maintains all of them in its portfolio.

Here are just some of the insurance services that we market:

  • Business Insurance
  • Commercial Auto Insurance
  • Contractor’s General Liability
  • Home Insurance
  • Personal Auto Insurance
  • Workers Compensation

Besides that, the marketer of Auto Insurance in Spring Hill Florida is affiliated with insurance companies and providers who share our commitment in satisfying clients as far as affordability and comprehensive coverage goes. We also provide the best customer care with a team of agents who are ready to answer your questions and even assist you with possible changes to your policy as the need arises.

Our office at 12553 Spring Hill Drive, Spring Hill, Florida 34609 is always open for you. If you’re too busy to visit us, you can call us anytime at 877-755-9950. You can also send your queries to us via our email address at, Please take time to visit our website

We would like to hear from you. Please join our discussion by posting your views and comments on the box provided below.


Quick Guide: Key Ideas about Purchasing Auto Insurance [Part II]

Downstate Group LLC, a quality provider of auto insurance in Spring Hill Florida, typically aims to give the finest plan for your car’s auto insurance. In this article, we will continue the things on what you have to know about purchasing auto insurance.

What you can do (continued):

  • Check into optional coverage
    Do not forget about checking out your provider of auto insurance in Spring Hill Florida on their optional coverage. They should have a wide-range of options and comprehensive coverage pays that will surely accommodate your specific needs and conditions. Check our quality providers like Downstate Group LLC for more information on optional coverage for your auto insurance.
  • Distinguish tort system from no-fault system
    Each state has a tort or no-fault system that determines the kind of insurance available to you. The tort system offers three basic coverages—property damage liability insurance, bodily injury liability insurance, and uninsured motorists coverage. On the other hand, the coverage under a no-fault state varies as the insurance company pays you directly for your losses as a result of injuries sustained in the accident regardless who is at fault. Contact you state insurance department to know more about this.
  • Understand your policy carefully
    Always be 100% sure about key terms especially with insurance jargons that might sound common but have different meanings in the insurance industry. You can ask your insurance agent to explain to you each part.
  • Know where to go for information and problems
    In case of emergencies, know where you can go, like for instance, your state insurance department. You also go to different available information providers and sources like public libraries, online resources, consumer groups, and consumer publications.

Other buyer reminders:

  • Plan properly
  • Pay bills on time
  • Check deployment options
  • Know more about special military rules
  • Understand insurance terms
  • Consider gap coverage for new cars

Downstate Group LLC is the quality provider of auto insurance in Spring Hill Florida that you should consider today! Our auto insurance agents only provide the best services only for you and the circumstances that you are involved. We aim to meet our clients’ end and prioritize equally in terms of insurance claims. Know more about our auto insurance policies today! For more information, you can contact us at: 877-755-9950.You can also visit us at for more of our services. Drive safely!

Quick-Guide-Key-Ideas-about-Purchasing-Auto-Insurance-Part I

Quick Guide: Key Ideas about Purchasing Auto Insurance [Part I]

There are so many concerns and ideas about auto insurance with the tons of information online and print, which are available for you to read. Having too many choices cause confusion and delay with your work. Hence, Downstate Group LLC, a quality provider of auto insurance in Spring Hill Florida, gives you the key ideas or the most important things that you have to know about auto insurance:

Insurance Rate– This is affected by two (2) major factors: underwriting/ financing; and rating. Underwriting is when an insurance company assesses the risks involving in an applicant/group applicant to let the company decides if they will accept the application or not. On the other hand, the rating has a price equivalent based on the insurer’s credible evaluations.

Other factors involved in the variation of your insurance rate:

  • Gender & age – males have more accidents; certain age groups have more claims
  • Vehicle usage – higher annual mileage results in higher exposure to risk
  • Driving history – drivers with previous violations or accidents have high risks
  • Topography/geographical location – urban areas have more claims than rural areas
  • Prior insurance coverage – if you have been cancelled for non-payment of premiums
  • Marital status – married people show lower rates of claims
  • Maker & model of your vehicle – luxury and sports cars average a higher number of claims

Rating system – Each company has their own rating system which is also in accordance to the standard guidelines for insurance companies. The biggest factor on the rating process is claim frequency. Claim frequency is the number of times an insured event occurs within a group/client relative to the number of policies they all have. The higher claims, the higher the charge is for the insurance coverage.

What you can do:

  • Shop around before you buy
    It would be best if you know where you can make the most of your investment. Shop around the prominent stores with good auto insurance providers. If you have chosen Downstate Group LLC as your auto insurance in Spring Hill Florida, then you can ensure standard quality of service for your investment.
  • Check insurance company’s background
    Check their history and track record for the claims that the company has experienced and how they were able to professionally face it. Claims can be complicated for some insurance companies but for a quality provider of auto insurance in Spring Hill Florida like Downstate Group LLC, you can ensure quality standard formal proceedings in a short span of time.
  • Ask for insurance discounts
    You can actually ask from your agents for discounts for you to be able to meet your ends as well. Consider auto insurance in Spring Hill Florida as a good choice for your car’s future. You can ask customer-centered providers like Downstate Group LLC for discounts.


Keep Your Chariot in Tip-Top Shape

For those of who have or want to own a car, we all know that maintenance is very important to ensure that the vehicle be our trusty steed for a long time. Proper car care and maintenance takes more than the occasional trips to the carwash and repair shop. We all want to make our cars look brand new for as long as possible and taking good care of it will do so.

To help you out, here are a few tips to maintain your car’s top quality form and performance:

  1. Always check your tire pressure to avoid instability, increasing gas mileage and flat tires. Also, rotate your tires every once in a while to make sure they wear evenly. Inspect, clean and repack wheel bearings with grease.
  2. An oil change is necessary at least every 7,500 miles. You can have it done at a shop but if you have skill and experience, it can be cheaper if you do it yourself. Doing this will assure you that your engine will last longer. Dirt build up on your oil filter will destroy your engine and might cause you thousands of dollars.
  3. Apply wax at least every six months to keep your car paint protected under a quality wax coat. The exterior of your car pretty much gives its first overall appeal and impression, which is why the outside should be pristine.
  4. Change damaged headlights ASAP. You should drive at night without proper headlights. You’re bound to be pulled over by the cops if you try. Generally, replacing a headlight bulb yourself is pretty simple and requires just a few steps and tools.
  5. Change your air filter every year. It is important to keep the filter clean to make sure your car keeps running smoothly and efficiently. Having a dirty air filter can cause your engine to fail and damage your combustion chamber.
  6. Clean the inside and outside of your car extensively. Your chariot needs tender, loving care at least once a month. Watching dirt, grime and dust from the outside is obvious, you’d also want to wash it underneath and make sure the inside is fresh and tidy.
  7. Guard your car from rain, snow and forces of nature with the corresponding protectant. There are many products in the market today dedicated to guarding your car from all types of damage caused by extreme weather conditions. You should make sure that your car’s heating and defrosting units are working properly in addition to everything else. Proper car care throughout the whole year will make sure you’re ready for whatever comes.
  8. Make sure to get the best possible auto insurance for you and your car. You may have impeccable driving skills, but that doesn’t protect you from the horrible drivers, thieves and unforeseen accidents that may happen. Downstate Group LLC Auto Insurance in Spring Hill Florida is your answer to this need. We offer affordable yet quality auto insurance in Spring Hill Florida that gives you the coverage that you need. Downstate Group LLC Auto Insurance in Spring Hill Florida is ultimately the peace of mind you need while driving.
  9. Protect the interior by parking your car under a shade or using a deflector screen in your car. Leaving your car under the heat of the sun can cause heat damage to your interior such as melted plastic, a cracked dashboard, a fading paint job, etc.
  10. Replace your spark plugs every 60,000 miles or so. Although spark plugs tend to last a long time, it is still necessary to change it often so keep your chariot functioning well. Bad spark plugs can lead to horrible gas mileage and a lack of acceleration.

It is important not to be a know-it-all when it comes to taking care of your car. It’s never a bad thing to have someone else check-up and maintain your car, just as long as you’re assured that your vehicle be given the best treatment so it can service you for many years to come.


Important FAQs About Downstate Group LLC

These days, there are a lot of auto insurance companies out in the industry. However, if you are looking for someone who you can really trust, you can definitely put your faith with us at Downstate Group LLC. Not familiar with us yet? Well, please keep on reading this article to know more about us and what services we have to offer.

Who is Downstate Group LLC?

Basically, we at Downstate Group LLC, is a top provider of auto insurance in Spring Hill Florida. In fact, you should know that we are widely recognized for providing high-quality services with General Liability, Home, Business and Auto Insurance in Spring Hill Florida.

We at Downstate Group LLC are affiliated with a variety of insurance providers and companies who shares our commitment in satisfying our clients. We ensure that our services are affordable and that we are able to provide comprehensive coverage for you.

Who are the people involved in Downstate Group LLC?

We have dedicated agents who will simplify the process of getting you covered for insurance. Our agents at Downstate Group LLC will also make sure that your insurance fits your commercial, lifestyle, or business needs. We also make sure to align your insurance with your budget, your goals, and the extent of the assets that you want to preserve.

As the best provider of auto insurance in Spring Hill Florida, we also make sure that our agents have the experience and knowledge required to answer any and all questions you might have. Our agents would be more than happy to assist you with possible changes you might want to do to your policy.
With us at Downstate Group LLC, you can rest assured that you are in very safe hands. We always put our customers first and we want to make sure that you are covered financially. For more information, make sure to call us at 877-755-9950. Our friendly agents would be happy to hear from you today!