There’s not a straightforward yes or no answer to the question of whether you’re allowed to keep your auto insurance while you have a suspended license. The answer depends on where you live and your insurance provider. Connect America Insurance Agency serves the Jacksonville, FL area, and can provide you with specific information regarding your situation, as everyone’s circumstances are different. However, it’s possible to get a general idea of what’s likely to happen to your insurance coverage if your license is suspended.
If your license is suspended while you still have an active insurance policy, you’re not likely to lose your insurance. Certain states, however, allow midterm cancellation when your license is revoked or suspended. Although, in most states, your coverage remains in place for as long as you signed up for, and if you try to renew your policy while your license is still suspended, you may run into some trouble. If you’re a brand-new customer, your insurance company will probably conduct a background check at some point at the beginning of your policy, and if the company notices that your license is suspended, your policy may be canceled because you’ll be deemed a high-risk customer.
Even though you may still have coverage while your license is suspended, it’s very important to avoid driving until your license is reinstated. If you get pulled over with a suspended license, you’ll face a heavy fine, possible jail time, and your insurance provider will almost certainly drop you. You may be wondering why it would be desired to keep your coverage if you’re not going to drive. If there are other drivers in your house, it’s very important to keep your insurance coverage, as you don’t want the other drivers in your household to be at risk while driving your car because your coverage lapsed. Maintaining auto insurance while your license is suspended is a complicated topic, and if you live around the Jacksonville, FL area, you may be interested in contacting Connect America Insurance Agency for more in-depth, personalized information.
Some people complain about home insurance premiums that they are required to pay each year but the real question is, do you ever not need home insurance? The agents with Connect America Insurance Agency in the Jacksonville, FL area can answer in more depth but we will try to find the answer here.
The simple answer to this rather complex question is no. There is never a time when you do not need some sort of home insurance coverage. The reason being that we cannot predict what will happen, we cannot stop nature, and we cannot predict that our homes will be safe from disaster each and every day. This means that home insurance is the only way that we can be sure that even if our homes are destroyed, we will have some form of recompense to get back to normal life.
You cannot go without home insurance for another simple fact, most people do not have hundreds of thousands of dollars lying around to buy a new home or to rebuild if their home is destroyed. Home insurance is often the only way that people can rebuild or rebuy after something destroys their home.
You are not required by law to carry home insurance if you do not owe money on your home or if you have paid for your home in full. Technically you are not required by law at all to hold insurance, even if you have a loan, you are most likely required by your lending agent to hold home insurance. In many cases, home insurance is the best way to recover after a disaster. If you live in the Jacksonville, FL area, the agents with Connect America Insurance Agency can help you find the policy that works for you.
In Jacksonville, FL, the temperature just seems to cling to you, right? The moisture in the air means that a hot day feels incredibly hot, and a colder day feels freezing. When the icy moisture particles cling to your skin, fifty five degrees can feel like fifty five below zero. Your car experiences the same sort of thing. The heat isn’t very good for your car, and the humidity only makes it worse.
Here are a few ways to protect your car from the extreme heat and humidity of Jacksonville, FL:
- Keep your car battery clean. All that crust that builds up on top is corrosive, and owes in part to the heat and humidity. Make sure to detach the cables and clean it with the proper tools.
- Park in the shade. The sunlight can do a lot of damage even on colder days.
- Make sure your tires have the right pressure. The heat can cause the air in the tires to expand, leading to a blowout or, at the least, cracked rubber.
- Change your oil whenever your owner’s manual tells you you should. The excessive heat of Jacksonville does a number on your oil.
- Flush your antifreeze now and then. The heat can cause it to become highly acidic and do a lot of harm to your system.
Connect America Insurance Agency can help you to connect with a great policy to keep your car covered, but making a claim through Connect America Insurance Agency is the pound of cure people talk about. Proper maintenance is the ounce of prevention. Take care of your car and it will take care of you.
Reviewing your car insurance annually ensures your coverage is up to date with your current needs. If you’ve experienced any of the following changes in the past year, it’s time to update your auto insurance coverage with Connect America Insurance Agency in Jacksonville, FL, to receive the protection you need.
Addition or Removal of Drivers
If you’ve added or removed a driver in the last year, you’ll need to update your policy to reflect this change in drivers. If your teen started driving, you may need to raise your limits. If you removed a spouse due to a death in the family or divorce, you could reduce your limits to save on insurance costs.
Change in Vehicles Covered
A change of vehicles over the course of last year may require a policy update to ensure you have sufficient coverage. The purchase of a new vehicle could warrant an increase in coverage. In contrast, an older vehicle may no longer require certain types of coverage due to its age. If that’s the case, you may want to downgrade your insurance coverage to reduce your premium.
Types of Coverage
You can personalize your vehicle insurance to meet your specific needs. If you drive more due to moving to a new home or a change in jobs, you’ll be at greater risk of an accident. As such, you may want to increase your coverage to protect your assets. If you’ve added an expensive vehicle to the household, you’d do well to get comprehensive and collision coverage to protect this new investment. Once your teen starts to drive, you may want to add roadside assist to your policy for protection in emergency situations.
Personalizing your auto insurance coverage with Connect America Insurance Agency, Jacksonville, FL, enables you to get just the coverage you need at a price well within your financial means.
When the bank gives you a loan to buy a house, they require homeowners insurance. The basic idea is that their loan is protected. And while the State of Florida doesn’t make you carry a policy, it’s in every homeowner’s best interest to have adequate coverage. As time passes, the value of your home may change, upgrades are made and the personal property increases.
It may be a good idea to question yourself each year about how much and what type of policy you should have in place. We recommend making an annual review when renewing your policy to ensure you are properly protected. At the Connect America Insurance Agency, our professionals are committed to helping members of the Jacksonville, FL community maintain a policy that meets your changing needs.
Florida has been no stranger to natural disasters. In the event of a total loss, it’s important that you have enough coverage in place to completely rebuild. Many homeowners confuse the value of their home with replacement costs. The two are not the same. The average construction cost today runs about $150 per square foot. This number does not include specialized work, high-end materials or unique designs. Those could push that number up higher. Also, if your home was a total loss, new building codes and the cost of razing and removing existing damage could also drive the cost up. Consider your replacement coverage carefully.
There are many other aspects of a homeowners policy that are worth assessing each year. Consider these at renewal time and consider updating your policy.
- What is the total value of your personal items?
- Do you have receipts or records in a safe location?
- Do you have flood insurance and natural disaster?
- Are you covered for temporary living expenses?
- Have you added outbuildings such as a shed or garage?
- Have renovations or new electrical work been addressed in your policy?
- How much liability coverage do you have?
Reviewing and updating a homeowners policy can be complicated. There are many decisions that require careful consideration. At Connect America Insurance Agency, we take pride in serving members of the Jacksonville, FL community with professional and comprehensive homeowners policies. At the end of the day, it’s important that you have a policy that meets your individual needs and gives you financial security.
Home improvements are wonderful and can help raise the value of your home quickly giving you a great return on your investment. That being said, they can also raise your coverage needs when it comes to your home insurance. Keeping this in mind, those in the Jacksonville, FL area can visit the agents with Connect America Insurance Agency to learn more about coverage needs.
Home renovations tend to add monetary value to your home, they also add to the cost of rebuilding should your home be damaged or destroyed. Having your home insured for the proper amount can make a huge difference in your being able to quickly and easily rebuild and get on with life in the event of an accident, and your not having enough money left to rebuild.
Generally, when you add any sort of renovation to your home that does affect the cost of rebuild and the overall value of your home, you should contact your insurance agent to adjust your insurance coverage. When you take out a home insurance policy one of the things that your agent will discuss is how much it would cost to rebuild your home. For those that have major renovations done to the home, they will need to adjust your home insurance to compensate for the fact that it will now cost more when you go to rebuild your home.
Making sure you have the right amount of coverage is going to help you make sure your home is going to be easily rebuilt in the event of an accident. For those in the Jacksonville, FL area, the agents with Connect America Insurance Agency can help you find the right policy for you and for your home and new renovations that you just completed.
Auto insurance is something that every driver is required to have even if they have a car that is only worth $500. This is the law in order to protect those that are driving on the road with you in the event of an accident. The amount of coverage each driver needs may vary from place to place, for instance someone in Jacksonville, FL is going to need more insurance than someone in another area for various reasons.
Taking a few factors into consideration, like how much your car is worth, how much coverage your state requires, if you need to insure the contents of your vehicle because your area is prone to auto break ins and more can all affect how much coverage you need. Talking with an agent can help but there are some basics that can help you decide if you need extra coverage or if your current coverage is enough.
If you live in an area where car break ins are rare and where there are less people so less likelihood that you are going to be in an accident, you are not going to need as much coverage as someone that commutes every day in a highly populated city. Likewise, if you have a car that is worth $1000 you are not going to need the same amount of coverage as someone that has a car that is worth $10,000.
You can start by taking a look at what your auto policy actually covers. Does it cover liability for you, passengers, and the other drivers? If so, how much? Does your policy cover full replacement or just repair of your car? Does your policy cover the value of the contents of your car? These are all considerations that are going to drive up both the overall coverage of your policy and the overall cost as well. For those in Jacksonville, FL, talking with an agent at Connect America Insurance Agency can help you hammer out the details of how much coverage you need.
Insurance is an important aspect of your home as it protects what is typically the biggest investment you’ve ever made and most valuable asset you’ve ever owned. With that said, insurance is something you pay for in the hopes you never have a return on the investment, that is to say. Hopefully you never need to use your insurance policy. In some situations, there may be means you can utilize to lower your insurance payments by taking other steps to secure your property against accidents.
Home Safety Features
Although the specifics can vary according to insurance policy carriers and nuances particular to your neighborhood in Jacksonville FL, typically incorporating home safety features can be a consideration in determining your insurance premium. New windows, for example, may incorporate technology which prevents a break-in. New appliances might be safer than older ones and certainly, have a lesser chance of breaking down or causing other problems in the home.
Alarm systems are a proven means of mitigating damage from fire or theft and are a consideration toward how much you pay for insurance each year. When the security of your home is monitored even when nobody is there, a problem can be reported and addressed before it becomes worse than need is, and insurance companies recognize this fact.
The bottom line is to discuss with your insurance agent what your expectations are and how you hope to achieve them. Some people are satisfied to carry the bare minimum amount of insurance the mortgage requires while others prefer the security of a more comprehensive program. Your Connect America Insurance Agency agent will be able to discuss your needs and help you determine which policy is going to work best for you and your family.
Buying home insurance is a necessity. You don’t want to go through the process alone. After all, when you are purchasing insurance for your home in Florida, you want the ultimate protection. You don’t want to have to worry about whether the coverage is in place or not.
As such, there are some tips to follow to help you by the right policy.
Look at Coverage Options
Various coverage options exist. Standard home insurance policies will provide liability coverage, coverage for the dwelling itself, as well is for your belongings. There may be other things included within the policy as well.
Find Out the Deductible
Find out what your deductible is going to be, which is the out-of-pocket expense prior to the insurance company paying for anything.
Ask about the different scenarios that you would be covered for, such as fire, theft, and hurricanes.
Take the time to compare premiums between different insurance companies. This can ensure that you are not spending any more than absolutely necessary.
Pay for Add-Ons
Even though it may be extra money, it is definitely a good idea to spend money on a few add-ons. This will give you more coverage so that you don’t have to worry about a claim being denied.
Ask About Common Claims
You will want to familiarize yourself with some of the most common claims in Florida. This will ensure that you have thought about all coverage to protect your home and your family.
Work with an Agent
Rather than trying to do everything on your own, you should plan on working with an independent insurance agent. This will give you someone to answer your questions, and guide you through the full process.
Learn more about buying home insurance in Jacksonville by contacting agents at Connect America Insurance Agency today.
One of the top concerns for motorists of all kinds, acquiring a quality auto insurance policy is of the utmost importance. Are you a driver within Jacksonville, FL? The following is an overview of four reasons you need auto insurance in Florida.
While this may not be the top reason many think of when referencing auto insurance, the fact of the matter is, acquiring a policy will save you time. In the unfortunate event of an accident, rather than being forced to wait until the police arrive, you can simply provide the person with your insurance information in exchange for theirs, and file the claim later. However, be sure to view a copy of their insurance card rather than taking their word for it.
It’s the Law
Most areas in America require motorists with permits or licenses to maintain insurance coverage while driving on the road. There are very few exceptions to this rule. Therefore, purchasing an auto insurance policy will prevent you from receiving financial and legal penalties while driving on the road.
Health Issue on the Road
If you are injured in an accident on the road, your auto insurance may cover things that your insurance doesn’t. For those who are uninsured or simple under-insured, your auto insurance policy can help to ensure you can receive the necessary medical treatments following an accident.
Lastly, accidents can be quite costly. However, by acquire a high-quality auto insurance policy, expenses caused by accidents will be covered by your insurance company rather than being paid out of pocket.
Overall, for those looking for insurance in Jacksonville, FL, Connect America Insurance Agency has exactly what you need. Never get caught without sufficient coverage. Let Connect America Insurance Agency ensure your insurance stays connected!