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710 Miami Springs Dr., Suite 120
Longwood, FL 32779

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Questions You Should Ask When Looking For Auto Insurance

Are you a driver and own a car? Then, you should understand and remember that having auto insurance is the most critical component of auto ownership. Car insurance is not a luxury and not a preference. It is required in almost all US states, including Florida. Driving without car insurance is highly unsafe – it is also illegal and leads to certain consequences, including fines. Therefore, be careful when shopping for auto insurance. You may also need the help of experts. In this blog post, you will find questions you should ask an agent when shopping for car insurance. 

What is the cost of my insurance?

It is a crucial question because the cost of auto insurance varies. Also, certain factors determine it. These factors are your driving experience, previous fines or penalties, the car’s model, age, and more.

Can standard car insurance be used for business purposes? 

No, you cannot do that. If you have your own business and vehicles for commercial purposes, you must have separate commercial auto insurance.

What exactly will my policy cover?

Always review the policy with an insurance agent and ask this question. Then, think about any extra coverage you may want to add. 

Finding proper auto insurance is a serious task. It is more serious if you have never had auto insurance before. That is why you may need to reach out to experts and ask them to help you find the policy you need. At Express Insurance, auto insurance is one of our primary specializations. Do not hesitate to contact Express Insurance located in Longwood, FL, and ask any questions – our team of insurance experts is always here for you.



What is the value of having an auto insurance plan in Longwood?

Owning a car is essential for anyone in the Longwood, FL area. When you own a car here, you want to ensure that you follow all rules and protect the vehicle as well as you can. This can be done with a proper auto insurance plan. Various types of value and benefits come when you invest in a quality auto insurance policy in this part of the state. 

Protect Your Vehicle

A car is one of the most expensive and important items you will ever acquire. Today, vehicles can cost tens of thousands of dollars. Because of this, you will want to ensure that your investment and assets are always covered. If you get a full comprehensive insurance plan for it, you will have support if the vehicle is stolen or involved in an accident resulting in damages.

Liability Support

Another advantage of having this type of insurance is that you will receive liability support. Any car owner should be aware that there is always a chance they could cause an accident. If you are at fault, it will be vital that you pay restitution to the other party. If you are adequately insured with auto insurance coverage, you will have the financial support to handle these claims.

If you buy a car in the Longwood, FL area, you will want to be assured that you get the right insurance plan. If you are looking for an auto insurance plan here, call our Express Insurance team. There are a lot of important choices to make when looking for coverage, and Express Insurance will ensure you remain adequately supported at all times. 

Why should I get an auto insurance plan for my Florida vehicle?

If you are living in the Longwood, FL area, you will likely find that owning a car is a smart idea. When you own or lease a vehicle here, you must ensure you have proper insurance. There are multiple reasons why someone in this part of Florida will need to get an auto plan here. 

Protect Your Vehicle

An important reason to have an auto plan when you are in this part of Florida is so you can protect your vehicle. All car owners in this part of the state will want to be assured that their investment is adequately covered and supported. A great way this can be done is by getting auto insurance. If you have a full plan, it will help you if you are a theft or accident damage victim. 

Minimize Liability Risks

Getting auto coverage to minimize your liability risks is also a good idea. All people who drive a car will take on the risk that they could cause an accident when behind the wheel. Because of this, it is essential that you carry the proper insurance to reduce this risk. If you have liability coverage, it will give support if you are found liable for an accident on the road. 

Anyone who owns a car in the Longwood, FL area needs to ensure they get proper insurance for it. Today, there are a lot of choices to make when looking for auto coverage, and our team with Express Insurance can help ensure you select the right plan. Our professionals at Express Insurance take a customized approach to help you evaluate your options and needs to ensure you remain adequately covered. 

Do I Need Full Coverage Auto Insurance Without a Car Loan?

If you’re a driver in Longwood, FL, you know that auto insurance is required by law. But if you don’t have a car loan, do you need full coverage car insurance? Let’s break this question down and see how Express Insurance can help you get the protection you need.

Types of Auto Insurance Coverage

When it comes to auto insurance, there are usually three main types of coverage. Liability coverage is the most basic type; it covers third-party damages caused by an accident for which you are at fault. This can include medical expenses and property damage claims for the other driver or drivers involved in the accident. Comprehensive coverage protects against non-collision events such as theft, fire, and damage caused by a collision with another vehicle or object. Finally, collision coverage pays for repairs to your vehicle after an accident.

Do I Need Full Coverage Auto Insurance Without a Car Loan?

If you own your car outright without any loans or leases, it is up to you whether or not you choose to get full coverage auto insurance. While there are certainly benefits to having full coverage—such as being able to repair or replace your vehicle if it is damaged—it may not be necessary if your car has little value or if you plan on replacing it soon anyway. That being said, even if you don’t need full coverage, liability insurance is still mandatory in most states, so make sure that your policy includes that type of protection at least.

Whether or not you need full coverage auto insurance in Longwood, FL, without a car loan depends on your particular situation and needs. If you have questions about what type of auto insurance is right for you, contact Express Insurance today! We can help answer your questions and find the right policy for your needs and budget quickly and easily.

Do You Need Full Auto Insurance Coverage for a Financed Car in Longwood, FL?

If you finance a vehicle in Longwood, FL, you need an auto insurance policy with full coverage. In doing so, you ensure the lending agency continues to receive payments if your car is designated as totaled. 

Florida Insurance Requirements

Under Florida law, vehicle owners with an active registration must have a policy from a state-licensed insurance firm. At a minimum, they require $10,000 in Personal Injury Protection (PIP) and Personal Damage Liability (PDL). The former covers health issues of drivers and passengers related to accidents. Meanwhile, PDL handles damage to another person’s property, like a vehicle or building.

You must carry proof of your insurance coverage while you drive. Failure to provide this information if pulled over by law enforcement may result in fines, license suspension, or impounding your vehicle.

What is Full Coverage?

If your vehicle is financed, it’s necessary to have additional coverage. Dubbed full coverage, it includes general liability for property damage and injuries. Furthermore, you must have collision coverage to pay for damage to your vehicle, no matter who is at fault. On top of this, comprehensive insurance is needed to pay for damage related to vandalism, fire, or severe weather issues.

How Much Coverage Do I Need?

The values of liability, collision, and comprehensive coverage depend on the type of financed vehicle. For instance, premiums for a low-cost, traditional subcompact may be lower than those for a full-sized luxury sedan. 

In the end, don’t estimate your coverage amounts. It’s best to work with a firm like Express Insurance to obtain the proper values for your financed vehicle. Contact one of our representatives for more information.

Should everyone in Florida get auto insurance?

Vehicle ownership continues to be a practical necessity for many people in the Longwood, FL area. When you are going to purchase a car here, you will need to ensure that you are following all necessary responsibilities and protecting it. A great way that this can be done is by obtaining a quality auto insurance plan. There are various reasons why the typical vehicle owner here should obtain auto insurance coverage. 

Protect Your Car

A common reason that anyone in Florida wants to have Insurance for their vehicle is so they can protect her car. Most people that own a car in the state are going to rely on their car to get around and get to work. If you have auto insurance, it can help to protect your vehicle and ensure you have the capacity to repair or replace it if you incur a loss. 

Offset Liability Risk

Anybody who drives a car here also needs to make sure they are thinking about their liability risks. Even if you are a safe driver, there will always be a risk that you will accidentally cause a collision. If this does happen, you will have an obligation to cover costs incurred by the other parties involved. If you have the right liability insurance plan, you will have the capacity to cover these damages as they will be handled by your insurance provider. 

As you are looking to get into a new auto insurance plan in the Longwood, FL area, you will want to know that you are choosing the right policy for your situation. Speaking with Express Insurance is a great way to ensure this happens. The professionals with Express Insurance offer all the support that you need to build a plan and properly insure your car against various risks. 

9 Terms you need to know about auto insurance

Every driver has auto insurance. But very few actually understand everything that’s included in a policy.

With all the different coverage options and legal jargon, it’s easy to get overwhelmed. Fortunately, Express Insurance is here to help. Serving Longwood, FL, their agents break down nine terms you should know about your auto insurance policy.


When a loss is covered under your insurance policy, you submit a request for payment that’s filed with an agent.


This is the amount you pay for insurance coverage. Influenced by several factors, premiums vary from person to person.


Before your insurance pays the remainder of a claim, you will pay a portion yourself. This is called a deductible.

At fault

A designation of "at fault" results from an accident you’ve caused. It could be based on a specific action or negligence.

Collision coverage

In the event of an accident, collision coverage protects against financial loss from damage. This kicks in regardless of who’s at fault.

Comprehensive coverage

Like collisions, this is standard in most auto policies. However, comprehensive covers loss from anything other than an accident, like theft, vandalism, or natural disasters.


Liability is a legal obligation when you are found to be at fault for another person’s bodily or property damage. Any plan should include liability coverage.

Primary Use

This refers to how you typically use your car. Primary use impacts what auto insurance policy you’ll need.

Limit of coverage

The limit of coverage is the maximum amount an insurance company will pay. It’s important to know where this threshold is.

Call Express Insurance

Located in Longwood, FL, the agency can help you understand auto insurance. But, they can do even more. Their experienced agents can construct a policy that keeps you safe on the road. Schedule an appointment today.

Does Auto Insurance Cover Windshield Damage?

Windshield damage is one of the most common occurrences on the road. Few things are more annoying than a rock flying out from underneath the tires of a passing vehicle, chipping your windshield in the process.

The good news? If you have comprehensive coverage, windshield repair may be part of the policy details. Express Insurance, which serves Longwood, FL, provides you with information about auto insurance and windshield repair or replacement.

Comprehensive Coverage Is Beneficial

Comprehensive coverage added to your auto insurance policy can help you replace or repair your windshield if a rock or other large object hits your vehicle. Coverage often provides for repairs that are small and replacements for larger damage, but each situation is different.

Additionally, comprehensive coverage is not only meant for windshield damage. It also covers things that happen to your vehicle when it is parked, like damage caused by hail or issues like fire.

Comprehensive Coverage Incorporates Full Glass Coverage

In Florida, comprehensive coverage plans typically include full glass coverage. This is not always the case in other states, so it is still important to get to know your policy.

Deductibles Vary in Each Situation

Whether or not you will need to meet a deductible for windshield damage is based on what kind of repair or replacement your vehicle needs. An insurance agent can provide you with more information about the specific situations in which your repair or replacement may be covered.

Make Sure Your Windshield Is Covered

Auto insurance can help you get the coverage you need to protect your vehicle. Make sure that your windshield in Longwood, FL is covered with the help of Express Insurance.

Why should someone in Longwood get auto insurance?

In the Longwood, FL area, owning a car is considered a necessity. When you are a car owner, it will be a lot easier and more efficient to get around your community. While there are a lot of advantages that come with vehicle ownership, there are responsibilities as well. One task that all owners have here is the need to get car insurance. You should get coverage here for various reasons. 

Coverage Needed to Comply with State Law

A key reason that people here will want to have auto insurance is so they can comply with state laws. Drivers all over the state are obligated to at least carry liability insurance. When you carry this type of protection, it helps to ensure that you can pay for any damages that may be caused during an accident. Ultimately, when all drivers are covered, it helps to provide protection to all motorists on the road.

Coverage Protects Vehicle

Drivers in this part of Florida should also get insurance coverage to protect their vehicles. If you choose to purchase a vehicle, it will be something that you will want to last for a long time. A good way that you can make this happen is by having insurance. Those that are covered are going to have the protection needed to cover their vehicle if they become a victim of theft or if it is damaged during an accident. 

Drivers all over Longwood, FL need to have insurance in place. As you are shopping for coverage in this area of the state, calling Express Insurance would be helpful. The team with Express Insurance can help you assess your risks and insurance options. This can be the guidance needed to choose a policy that is right for your situation. 

Required Auto Insurance in Florida

Driving in Florida requires that the vehicle you’re driving must be insured with at least the minimum types and amounts of coverage that are mandated by law. If you need auto insurance, contact us at Express Insurance in Longwood, FL.

No-Fault State

There are 12 states that are considered no-fault states. That means that no matter who was the cause of the accident, you are responsible for your own medical bills. To give Floridians the protection they need for their potential medical bills, every driver needs to have personal injury protection. There is a set minimum amount that the state requires you to keep in personal injury protection. This type of coverage pays for 80% of your medical bills if you have been in an accident, and it doesn’t matter who caused the accident. However, with the high cost of medical bills, it is recommended to get a higher amount of coverage than the amount that is mandated, as it is one of the lowest amounts among the states.

Liability Coverage

There is a set minimum amount that you must have of property damage liability coverage. This covers you against being liable for another person’s property, such as a vehicle, that is damaged in an auto accident. However, like personal injury protection, the minimum amount mandated is quite low, so getting a higher amount of this coverage is usually recommended. 

Call Us About Your Insurance

If you don’t yet have auto insurance, or you want to add more of it, contact us at Express Insurance in Longwood, FL. Make an appointment to discuss your insurance needs with an agent today. We are here to help.