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.

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.

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. 

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.

Claim

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

Premium

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

Deductible

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

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.

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.

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. 

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.

New and experienced drivers alike often have misconceptions about auto insurance and the protection it provides. If not cleared up, these misconceptions could cost you money on your coverage. At Express Insurance, we can help clarify auto insurance misunderstandings so you can make good insurance choices. Here are some of the most common misconceptions people have about auto coverage.

One Insurer is Just as Good as the Other

Insurance companies are not created equal. Some offer better coverage, services, and prices than others. To ensure you’re getting a good deal, shop around and compare what different companies in Longwood, FL have to offer. Check out company reviews as well to ensure you choose a reputable company to do business with.

Credit Score Has No Effect on Insurance Prices

Wrong! Many insurers take credit score into consideration when quoting you an auto insurance price. Your credit history is an indication of how responsible you are in managing your money. If you’re responsible in this area, chances are you will be responsible in other areas as well to include your driving.

Car Color Affects Insurance Costs

The color of your vehicle has nothing to do with insurance costs. The make and model of your car, your driving record, your age, and driving experience, however, could affect your rate.

Rental Reimbursement is Automatically Included in Auto Policies

Unless you pay for rental reimbursement coverage, this service is not included in standard auto policies. It can be added, however, at a very affordable cost.

Car Insurance Follows the Driver

Actually, car insurance follows the car. If you loan your vehicle to a friend and he causes an accident, your insurer is responsible for damages.

For more information about auto insurance or to purchase a policy in Longwood, FL, contact your Express Insurance agent today.

When it comes to auto insurance, the options can at first seem overwhelming. It may also seem like no matter how many companies you research, they all seem to say the same thing. Distinguishing the best policy and carrier for you isn’t always easy when you live in Longwood, FL, but it helps to have the facts in front of you before settling on one option over another. 

Invest the Time 

This is often one of the more difficult things to do when it comes to insurance. Researching countless facts isn’t exactly the most thrilling way to spend an afternoon, but it’s also the most effective way to get the information you need. Every state has its own laws when it comes to the minimum amount of insurance you need, meaning the terms of your policy may look very different than your friend in the next state over. 

Ask Yourself the Tough Questions 

Also difficult to do, this one involves determining whether you’re willing to take certain risks with your insurance policy. For example, if you choose the bare amount of coverage, will you be able to reasonably get by if you’re unable to access your car for a while? There’s no need to opt for more than you need, but you also have to be prepared in case something does happen. 

Talk to Your Carrier 

Express Insurance serves the people of Longwood, FL and helps them decide which policy will work best for them. New drivers are prone to making mistakes simply because they don’t have the frame of reference that other drivers do. Whether you’re shopping for a quote or you just have questions about how claims work in the event of an accident, give Express Insurance a call today. 

Driving during the holiday season can be challenging, to say the least. Congested roads coupled with wet or snowy weather conditions, reduced daylight hours and driving in unfamiliar territory can be a recipe for disaster. The following safety tips from Express Insurance in Longwood, FL can help you get to your holiday destination safely.  

Plan Your Travels in Advance

Plan ahead so you’re not stressed in getting to your destination on time. Plan your routes, service your car and pack your car in advance before hitting the road. Keep an eye on weather and road conditions where you’ll be traveling to avoid traffic jams and hazardous weather on the road.

Drive Defensively   

Drive defensively, putting your safety and the safety of others first. Avoid speeding and taking unnecessary risks that can cause accidents. Always signal when changing lanes or turning to alert other drivers of your prospective actions.    

Take Frequent Breaks

Get a good night’s sleep before hitting the road and take frequent breaks on long-distance trips to avoid getting drowsy. Stop to rest, eat or walkabout to help you stay alert. Share driving responsibilities with others to enhance safety on the road.

Avoid Distractions

Don’t text or talk on your cell when driving. Avoid changing radio stations, putting on makeup or getting into heated discussions with others as these actions can also distract you from your driving.

Don’t Drink and Drive

Never drink and drive. If you’re going to drink, choose a designated driver or use a taxi or Uber service to return home safely after holiday parties.

Don’t forget to check your auto insurance to make sure it’s up to date with the protection you need for your travels. For auto insurance coverage you can trust all through the year, contact an agent from Express Insurance in Longwood, FL today.