There comes a time in every car insurance policy holder’s life when you want to remove a car from your policy. There are ways that this can be done that are simple if you just know where to start. If you are having trouble with the process and live in the Jacksonville, FL area, the agents with Connect America Insurance Agency can help.
The first step is that you have to show that the car is not going to be on your policy any longer. You may need to prove that the car is either no longer being driven at all or at the very least, not being driven by you. In some cases, it may be necessary that you prove the car is no longer being licensed so there is no chance it is going to be driven.
The next step is to identify which car is being removed. You want to make sure you have the correct vin number and the correct information so that the car you want removed, is the one that is taken off the policy. With the help of an agent the process should only take a few moments. You can remove cars from auto policies yourself but this may cause a bit of trouble as you do need to know what you are doing.
If you are selling the car you may need proof of a transfer of title. For those that are transferring a car to another policy, if you still owe money on the car you will need to send the new proof of insurance to your lender and to anyone that may have a vested interest in the car. If you live in the Jacksonville, FL area, the agents with Connect America Insurance Agency can help you.
If you have a home-based business, you may need specialized insurance to keep your company running if something unexpected happens to your merchandise or equipment. In Jacksonville, FL, the independent insurance agents at Connect America Insurance Agency would like you to know how to keep your home business secure.
Homeowners Policy Endorsements
Typically, a homeowners policy will not cover all of the expenses that you have for your business at home. You could always add an endorsement to your current policy, but this type of addition has limits. An endorsement is an optional coverage that offers you additional security over your homeowners plan.
For example, in Florida, you can acquire an endorsement for a home day care facility. You can get greater coverage for your home, but the liability is limited. Talk with your insurance agents to go over your limits if you decide to add an endorsement to your homeowners policy.
In-Home Business Policy
For a higher premium, you can secure your at-home business property. This type of policy may cover the lost income if your business has to stop running because your home is damaged. It could also cover the loss of equipment, valuables, and accounts receivables.
Business Owners Package (BOP)
Another type of insurance that you should consider for your home business is Business Owners Package (BOP). Usually, for small and medium-sized businesses, BOP offers coverage that can include materials, equipment, and other items necessary to run your business. If you customize dresses in your home and there is a fire, the material and equipment could be covered under the BOP policy.
Come by the Jacksonville, FL offices and request information concerning your home-based business. Connect America Insurance Agency can offer you advice and start you with the right amount of coverage for your commercial business.
If you live in Jacksonville, FL, it’s important to get affordable home insurance. Many people who live in this area pay more – and you need to know why. At Connect America Insurance Agency, we’re here to help you learn more about what goes into a policy and get quotes to help you compare.
High Crime Areas
There are a lot of high crime areas throughout Jacksonville. When the insurance companies ask you for your zip code, this is one of the things they are looking at. If you do live in a high crime area, there are ways for you to combat the cost of high insurance premiums. This includes:
- Living in a gated community
- Fencing in your property
- Getting a security system
Various discounts might apply to you, too, which will allow you to overcome high crime areas.
Jacksonville offers a lot of waterfront properties. This includes property along the St Johns River as well as the Atlantic Ocean. Because of all the water, it’s possible that you will be classified as being in a flood zone. FEMA updates the flood zones every few years. If you are within one, then it might cost you more on insurance premiums. It might also require you to obtain a separate flood insurance policy.
Cost of Living
Jacksonville is known for a higher cost of living than other parts of Florida. This might have a negative impact on your home insurance because it might cost more for home repairs. Insurance companies have to protect themselves and therefore might charge more.
Your goal is to have the financial protection in place without spending a fortune on premiums. Contact one of our agents at Connect America Insurance Agency today. We look forward to helping you find home insurance in Jacksonville, FL.
The success of your vacation family road trip lies in putting the safety of your family first. Preparing your vehicle in advance can help you have a safe and positive road trip experience. Vehicle prep can entail the following:
Have your car inspected by a certified mechanic to make sure all systems are working properly before taking off on the road. If your car needs a tune-up, oil change, new brake pads or other essential repairs, get them done in advance of your travels. Before going anywhere, get a clear “thumbs up” from your mechanic to show your vehicle is road ready.
If you’re traveling with young children, check your kids’ car seats to ensure they’re installed properly and functioning as they should. Safe car seats and working seat belts are a must when traveling with children. Additional safety features such as airbags and child safety locks will further protect your kids on the road.
Review your auto insurance coverage from Connect America Insurance Agency to make sure it’s up to date. Keep in mind that roadside assist coverage could come in handy for unexpected breakdowns during your travels. Whether you’re staying around Jacksonville, FL or driving out of state, you can travel worry free knowing you have adequate car insurance coverage.
Pack an emergency travel kit to help with crisis situations that may arise on the road. Your kit should contain such essentials as water, jumper cables, flashlight, flares, car tools to make simple repairs and first aid kit. Make sure you also have a working cell phone with a charger to stay connected with loved ones during your travels.
In the event of an accident, contact your Connect America Insurance Agency rep in Jacksonville, FL to help with any insurance needs.
Historically, the state of Florida has experienced a high amount of hurricanes and other drastic weather. These high impact storms can cause damage in multiple ways, namely through monetary loss, uprooted property and even death. A lot of homeowners and business owners living in Jacksonville, FL are worried about the damages that a nasty storm can do their property. That is why people are turning to firms like Connect America Insurance Agency in times of extreme weather.
How a Storm Can Ruin a Property.
Hurricanes contain wildly powerful winds that can tear down the sturdiest of structures. A strong wind can rip off entire garages, which will leave a house even more vulnerable during a storm. Not only can wind knock down walls, but it can also pick up hefty objects through the air. Items like loose tree branches can turn hazardous, breaking windows.
Floods also cause considerable damage. Flooding waters will ruin carpets, contaminate local water supplies, and carry away important possessions with overwhelming currents. Hailstorms can also be dangerous by causing dents.
How an Insurance Plan Can Help You.
Maybe the most frustrating thing about a natural disaster is that it can strike at any time. Many people are unprepared when they are hit by a bad storm, and they have to deal with the consequences of that lack of preparation.
That is why some Jacksonville, FL citizens are going out of the way to weatherproof their homes. You can install shutters, insulate rooms and develop emergency plans for times of disaster. You can also purchase weather insurance for the aftermath. An agency like Connect America Insurance Agency can protect owners that have a property that is at risk of bad weather.
Busy parents need help. Their "to do list" is always a few pages long and getting out of the house – alone – can be challenging. That’s where the babysitter up the road comes in handy. She’s reliable, the kids love her, and she cleans up after herself! She’s been such a help that you’re thinking about adding more responsibility to her job. She can do the food shopping, run errands, or just get the kids out of the house for a few hours. But she’ll need to use your car. Sound like a good idea? Before your hand over the keys to your car, there are a couple of things to consider.
Get More Information
Before you loan out your car to the babysitter, you’ll need to get more information. Since it is your car, in your name, you hold liability. No matter who gets behind the wheel of your car, your insurance policy is the primary coverage. That means you must be certain the babysitter is covered before she drives your car in Jacksonville, FL.
Review Your Auto Policy
Take a few minutes to read over your auto policy, paying particular attention to exclusions or restrictions. The babysitter would be considered a "permissive driver" in most instances, so look for any information on whether permissive drivers are covered. If you’re still not sure, call your insurance agent, and they will be happy to assist you. However, if you plan on lending her the car regularly, you may want to talk with your insurance agency about adding her as a listed driver.
At Connect America Insurance Agency serving Jacksonville, FL, we can help you find the right auto insurance policy for your vehicle, and we would always are happy to answer all your questions about extending coverage. Feel free to call Connect America Insurance Agency today to speak with a friendly agent.
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.