Everyone needs car insurance if they wish to navigate the open road legally and safely. That being said, many looking to purchase an insurance policy will wonder how much coverage they actually need. Will a basic auto insurance policy suffice, or should you consider auto-insurance add-ons? No matter what you’re looking for here at All Counties Insurance Agency & Traffic School, we’re dedicated to making sure that everyone we serve in the Palm Coast, FL area has the information they need to get the right policy for them. Here’s what you need to know about insurance add-ons. 

Do I Need Insurance Add-ons?

Basic auto coverage is typically enough to cover both you and your car (or another driver) in an accident, giving you sufficient coverage to drive confidently. However, add-ons can give you a little extra coverage when you need it most. For example, gap insurance can be helpful in covering auto payments after an accident, while a roadside assistance add-on gives you the support you need no matter where you are or what has happened to your car. If you feel a little safer with additional coverage or you anticipate encountering specific issues your basic insurance policy won’t cover, add-ons might be a good fit for you. 

Find the Right Auto Insurance With ACIA

No matter where you are in your auto insurance search, All Counties Insurance Agency & Traffic School is here to help you make sure you’re getting the right level of coverage for your vehicle, no matter what you need. If you live in the Palm Coast, FL, area or other surrounding areas that we service, such as Flagler Beach or Orlando, get a quote from us to find the perfect auto insurance policy today!

Key Vehicle Safety Features to Consider in Palm Coast, FL

At All Counties Insurance Agency & Traffic School, serving the greater Palm Coast, FL area, we prioritize your safety above all else. When selecting a vehicle, these are the crucial safety features every car owner should consider:

Comprehensive Airbag Systems

Ensure your vehicle features advanced airbag systems, including front-side and curtain airbags, to offer optimal protection in case of a collision.

Electronic Stability Control (ESC)

Electronic Stability Control systems help drivers maintain control during emergency maneuvers or situations that involve loss of traction. This system achieves this by applying brakes to individual wheels and adjusting the engine’s power accordingly.

Forward Collision Warnings (FCW)

Forward Collision Warnings alert drivers to potential frontal collisions. These crucial moments give drivers time to react and potentially avoid accidents.

Automatic Emergency Braking (AEB)

Automatic Emergency Braking systems automatically apply brakes to prevent or reduce the impact of collisions. This feature enhances safety while on the road.

Lane Departure Warning (LDW) and Lane Keeping Assist (LKA)

Lane Departure Warning systems alert drivers when they unintentionally drift out of their lane. Conversely, Lane Keeping Assist actively assists in steering the vehicle back into its lane to prevent potential accidents.

Blind Spot Monitoring (BSM)

Blind Spot Monitoring systems warn drivers of vehicles in their blind spots. This feature reduces the risk of collisions during lane changes.

Adaptive Cruise Control (ACC)

Adaptive Cruise Control adjusts the vehicle’s speed to maintain a safe distance from the car ahead. It enhances safety during highway driving.

Rearview Cameras

A rearview camera provides visibility behind the vehicle, aiding in safe parking and helping avoid obstacles when reversing.

Prioritizing these essential safety features when purchasing a vehicle can significantly boost your safety and that of your passengers. For expert guidance on auto insurance and safety recommendations tailored to your greater Palm Coast, FL region needs, contact All Counties Insurance Agency & Traffic School today.

In Palm Coast, FL, when someone says their car was totaled, it means it’s been damaged beyond repair. When true, that means the vehicle has suffered a total loss. Your coverage through All Counties Insurance Agency & Traffic School or another auto insurance service can help, but only if you have the right coverage to deal with a total loss.

What Is a Total Loss in Florida?

Florida’s law states that if repairing or rebuilding your car exceeds 80% of the cost of replacing it with a similar one, it is considered a total loss. Similarly, if the vehicle has a level of damage that makes it unsafe to drive or irretrievably undrivable, even after potential repairs, it’s a total loss.

What Type of Auto Insurance Covers a Total Loss in Florida?

Comprehensive and collision coverage helps to compensate you for a total loss. If the damage comes from an accident with another vehicle or object, then collision insurance helps to pay for the damage or replacement.

If the damage came from something other than a collision, then comprehensive insurance helps pay for it. Gap insurance can also help if you’re still leasing or financing your car.

What You Should Do If You Think Your Car is a Total Loss in Florida?

If you’re in an accident of any type, make sure you take care of yourself or others involved first. You should start your claim with your insurance company as soon as possible. If you discover that your vehicle is beyond repair, immediately inform your insurance company to handle the situation effectively.

You can still collaborate with your insurer to find a solution, even with inadequate coverage. If you want to learn more about comprehensive, collision, gap, and related auto insurance options in Palm Coast, FL, contact us at All Counties Insurance Agency & Traffic School right now.

In Palm Coast, FL, when someone says their car was totaled, it means it’s been damaged beyond repair. When true, that means the vehicle has suffered a total loss. Your coverage through All Counties Insurance Agency & Traffic School or another auto insurance service can help, but only if you have the right coverage to deal with a total loss.

What Is a Total Loss in Florida?

Florida’s law states that if repairing or rebuilding your car exceeds 80% of the cost of replacing it with a similar one, it is considered a total loss. Similarly, if the vehicle has a level of damage that makes it unsafe to drive or irretrievably undrivable, even after potential repairs, it’s a total loss.

What Type of Auto Insurance Covers a Total Loss in Florida?

Comprehensive and collision coverage helps to compensate you for a total loss. If the damage comes from an accident with another vehicle or object, then collision insurance helps to pay for the damage or replacement.

If the damage came from something other than a collision, then comprehensive insurance helps pay for it. Gap insurance can also help if you’re still leasing or financing your car.

What You Should Do If You Think Your Car is a Total Loss in Florida?

If you’re in an accident of any type, make sure you take care of yourself or others involved first. You should start your claim with your insurance company as soon as possible. If you discover that your vehicle is beyond repair, immediately inform your insurance company to handle the situation effectively.

You can still collaborate with your insurer to find a solution, even with inadequate coverage. If you want to learn more about comprehensive, collision, gap, and related auto insurance options in Palm Coast, FL, contact us at All Counties Insurance Agency & Traffic School right now.

Are you planning on taking a long-distance road trip with your family? Whether cruising the Florida coastline or traveling out of state, these driving tips from All Counties Insurance Agency & Traffic School in Palm Coast, FL can help you reach your destination safely.

Plan Your Routes

Plan your routes, fuel stops, rest stops, and driving times in advance to avoid problems with low gas, heavy traffic, or drowsy driving. Take frequent breaks to refresh yourself so you don’t get fatigued or sleepy in the middle of your travels. Keep a map by your side, even if you have GPS, to avoid getting lost.

Rest Before Traveling

Driving long distances can take a toll on your body. Start your journey fresh by getting sufficient sleep the night before you travel.

Stay Alert/Avoid Distractions

Stay alert and focus on your driving. If you plan on listening to music or a podcast, set it up before hitting the road so you don’t have to adjust your stereo or smartphone in the middle of traffic. Set your kids up with snacks and diversions so they don’t distract you on the highway. If your phone rings, let your spouse answer it!

Bring Plenty of Water & Snacks

Have plenty of cold water and healthy snacks within reach, so no one goes hungry on the road. Stay hydrated to avoid getting sick or drowsy.

Obey Speed Signs

Obey the speed limit as much as possible to avoid accidents. Use extra care when driving in rainy weather, around residential areas, or when there’s construction on the road.

Review Your Auto Insurance

Review your auto insurance before taking off on your road trip to ensure you’re protected against any eventuality. For quality auto insurance coverage at affordable costs, contact All Counties Insurance Agency & Traffic School in Palm Coast, FL.

Owning a car tends to be a necessity for many in the Palm Coast, FL area. When you are looking to buy a car, it is also vital that you thoroughly evaluate your insurance options. One type of coverage that all people should obtain is comprehensive insurance. There are various reasons why you need to have a fully comprehensive plan when you are looking to protect your vehicle. 

You Want to Protect Asset

One of the reasons you may want to get comprehensive coverage for your vehicle is to protect the asset. If you buy a car today, you will find the cost is significant. If you do not have comprehensive or collision coverage, you could lose the asset entirely if it is stolen or damaged. With this additional insurance, you will have the coverage necessary to replace or repair the vehicle in an instance of a loss.

Meet Loan Requirements

Having a flood insurance plan is also important so you can meet any requirements in your loan agreement. If you are going to finance your Florida vehicle with a loan, your auto lender will want to ensure their collateral is protected. This can be done by requiring all borrowers to carry a full collision and comprehensive plan throughout the term of the loan. 

The right auto insurance plan is important for those in the Palm Coast, FL area. When trying to build your next plan, call our team at All Counties Insurance Agency & Traffic School. Our professionals at All Counties Insurance Agency & Traffic School can help you evaluate your options and needs to determine if having fully comprehensive insurance support is right for your situation. 

Those in the Palm Coast, FL area will find that owning a car makes life easier. When you have a vehicle, it can be a lot of fun to drive and allows you to enjoy all that the area has to offer. Once you start looking for a vehicle, it is vital that you get insurance for it. You will need coverage for various reasons.

Meet State Obligations

A reason that all drivers need insurance is so they can meet their state obligations. In Florida, all drivers need to have liability insurance, at least. If you have this coverage, it ensures that you can cover any damage you could cause in a collision. If you do not maintain this coverage, you could face severe penalties, including fines or losing your license. 

Financial Coverage

Auto coverage in Florida is also a good option as it offers valuable financial coverage. If you buy a car, there is a good chance that you will have to make a big investment in it. The best way to protect this investment is with insurance. Getting this coverage will ensure you have the support you need if the car is stolen or in any accident. 

If you are in the Palm Coast, FL area, getting a quality auto insurance plan that meets your needs is a good idea. You can be assured that you will choose the right plan by contacting us at All Counties Insurance Agency & Traffic School. When you call our team at All Counties Insurance Agency & Traffic School, you will receive personalized support and friendly service to ensure you get into the right plan for your situation. 

If your Florida driver’s license is suspended, your auto insurance company is not required to continue providing coverage. Most companies will cancel your policy once you discover your license has been suspended. 

However, some companies will continue to provide coverage in Palm Coast, FL. All Counties Insurance Agency & Traffic School can help you find coverage. It’s important to remember that your policy will not cover any accidents or damage while driving with a suspended license. 

Why Your Policy May Be Cancelled 

If you have a suspended license, it means that you have violated one or more of the terms of your auto insurance policy. For example, you may have failed to pay your premiums on time, been convicted of a DUI, or been involved in too many accidents. As a result, your insurer may deem you to be a high-risk driver and decide to cancel your policy. 

Sometimes, your insurer may offer you the option to continue your coverage by paying a much higher premium. However, this option is typically only available to drivers who have had their licenses suspended for non-driving-related offenses, such as failing to pay child support or missing jury duty. 

Driving Without Insurance Is Illegal 

It’s important to remember that driving without insurance is illegal in Florida. As such, it’s always best to avoid caution and obtain coverage from another provider before driving with a suspended license. Though it’s technically possible to find auto insurance coverage after getting your license suspended in most cases, it’s best to wait until your license is reinstated before trying to get insured again. Contact All Counties Insurance Agency & Traffic School in Palm Coast, FL, so that we can help you find the best solution for your situation.