GreatFlorida Auto Insurance - Palm Coast, FL - James Cimorelli
GreatFlorida Insurance - James Cimorelli - Palm Coast Insurance

GreatFlorida Auto Insurance

James Cimorelli - Palm Coast, FL

386-446-0317

160 Cypress Point Pkwy | C-102
Palm Coast, FL  32164
Fax : 386-446-0355

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What is Florida Auto Insurance?

It is a contract between you and your insurer in which you pay the b a certain amount of money and, in return, the company will protect you from major financial losses due to an auto accident for a given period of time.

Whether you currently own an automobile or are a prospective buyer in Palm Coast, you can get a Free Auto Insurance quote today. 

Simply call 386-446-0317 or complete our online quote request form. A GreatFlorida Auto Insurance Agent will help you find the best deal for you in Palm Coast.

Why Do You Need Auto Insurance?

Insurance is your protection against economic disaster should you cause an accident that results in property damage or injuries to other people. It can help cover repairs to your vehicle and related medical costs.

What does auto insurance cover?

  • Bodily injury liability coverage – Pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

  • Property damage liability coverage – Provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense.

  • Medical payments, no-fault or personal injury coverage – Usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.

  • Uninsured motorist coverage – Pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

  • Comprehensive physical damage coverage – Pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

  • Collision coverage – Pays for damage to your car when it hits or is hit by another object.

Can I get coverage with speeding tickets on my record? What about accidents or a DUI?

Yes. GreatFlorida Auto Insurance Agency owners understand that not everyone has a perfect driving record. They represent insurance carriers specializing in your unique situation.

What is a deductible on my auto policy?

In the event of a claim, this is the amount you will have to pay before your policy pays.

What's the difference between comprehensive and collision?

Collision is the part of the policy that covers your vehicle against damage caused in an accident. Comprehensive covers your car for damages not caused by a collision. It also covers against named perils such as hurricane damage and theft.

What are the Florida state required limits for auto insurance?

Florida requires a minimum of $10,000 coverage for property damage and $10,000 coverage for Personal Injury Protection.

What is uninsured motorist coverage?

Coverage designed to provide protection should you be involved in an accident with a motorist who is at fault and has either no insurance or not enough to cover your medical expenses. Uninsured motorist coverage does NOT cover damage to your vehicle.

I just moved to Florida. Is coverage the same from state to state?

No. Each state has unique rules and regulations for auto insurance. It’s important to be aware of the differences here in Florida.

Do I have to turn in my out of state tags and get new ones from Florida?

Yes. Upon moving to Florida a driver has 30 days get a new registration on the vehicle.

What is the Florida Financial Responsibility Law?

The law that requires owners or operators of autos to provide evidence that they have the funds to pay for automobile losses for which they might become liable. Auto Insurance is the usual method for providing this evidence to the state.

What is the Florida No-Fault Law?

The Florida No-Fault law requires PIP (personal injury protection) be carried by owners of motor vehicles and imposes penalties for failing to do so.

Why should I buy my auto insurance from GreatFlorida?

  • Most customers save money because we offer some of the most competitive rates around.
  • You can reach us any time, day or night, any day of the year.
  • You deal directly with a local GreatFlorida Agent in Palm Coast.
  • We help you settle your claims quickly and fairly.

Simply call 386-446-0317 or complete our online quote request form. A GreatFlorida Auto Insurance Agent in Palm Coast will help you find the best deal for you.

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About Auto Insurance in Palm Coast, FL

In the event of an accident, Auto insurance provides protection against monetary losses due to a car crash, as well as damages from a natural disaster or vandalism.

Palm Coast, FL drivers are required to have a minimum of property damage coverage and personal injury protection. James Cimorelli at GreatFlorida Insurance Palm Coast, FL, can familiarize you with legal requirements, additional coverage options such as bodily injury liability, collision, no-fault, uninsured motorist, comprehensive coverage and deductibles.

James Cimorelli at GreatFlorida Insurance in Palm Coast, FL shops all the major carriers to find the best policy and the best rate. Easy, Low-Cost and Worry Free. That's the GreatFlorida Insurance promise.

Simply call 386-446-0317 or complete our online quote request form.

Florida Auto  Insurance Blog
by GreatFlorida Insurance
10/26/2016

Need a ride? Rideshare companies can efficiently get you where you need to be. App based transportation network companies such as Uber and Lyft, provide rides while creating an opportunity for drivers to supplement their income at their convenience.

Despite the accessibility, there seems to be some ambiguity surrounding rideshare programs. GreatFlorida Insurance has provided some answers to common misconceptions to clear up the confusion.

Can ridesharing legally operate in Florida?

Yes. Florida lawmakers were set to address potential regulations for rideshare companies during the 2016 legislative season but it didn’t happen.

At the center of the controversy is insurance requirements. The Florida Department of Highway Safety and Motor Vehicles (DHSMV) has held the opinion that Uber’s insurance policies meet Florida law. After a lengthy court battle, Broward County also agrees. Some lawmakers believe rideshare drivers should carry a commercial auto policy similar to taxi drivers.

What are Florida insurance requirements for rideshare?

Florida drivers participating in ridesharing must have personal auto insurance.

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The coverage gap

It is critical for Uber and Lyft drivers to be aware of a gray area, also known as a coverage gap. This is the time period when drivers log into the rideshare app and are waiting for a passenger to enter the vehicle. If an accident happens during this time a driver could be uninsured or underinsured.

In this gap, a driver’s personal car insurance is responsible for damages. Unfortunately, many personal auto insurance policies would be likely to deny the claim because the driver is logged into the app.

Is insurance available to cover the gap?

Auto insurance covering Uber and Lyft drivers is extremely limited in Florida.

GreatFlorida Insurance works with an insurance carrier offering a rideshare endorsement on personal auto policies that fills the gaps most personal auto policies have when it comes to driving-for-hire,” says Mike Carcas, Coral Gables GreatFlorida Insurance Agent. “Commercial auto policies are an option as well, but tend to be more expensive and limiting when it comes to personal use.”

 Coverage provided by Uber and Lyft

Once a passenger enters the vehicle until they exit, Uber and Lyft will cover medical expenses and other damages up to $1 million. They also have added uninsured and underinsured motorist coverage.

During the time when a driver logs on to the app, to the time they pick up a passenger, Uber and Lyft will offer 50/100 limits to 3rd parties involved in an accident. They will not offer any collision /comprehensive coverage to the driver’s vehicle.

The rideshare companies offer limited coverage when a driver is in route to a passenger or driving a passenger. Coverage is based on the driver’s underlying personal auto insurance.

If you drive for Uber or Lyft, at GreatFlorida Insurance can make sure you get the proper rideshare insurance coverage for you and riders. Contact us today to discover all the auto insurance options available for you.

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The post Facts Uber and Lyft Riders and Drivers Need to Know appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/14/2016

When the fuel light comes on in your car, does it set you in a panic causing you to dash to the nearest gas station or do you live on the edge and see how far you can make it?

Well, thanks to the auto website, YourMechanic, you can get a good idea how much further your car can go before it actually runs out of gas. They have put together a chart for the 50 best selling cars in the U.S. in 2015. The chart identifies how much gas is remaining once the low fuel warning light appears. It provides an approximate range of how many miles the car has before you are on the side of the road.

“Knowing how far you have before your car is truly empty can help calm your fears if you are driving a stretch of road with few gas stations or rest stops, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

how-far-can-you-drive-your-vehicle-on-empty-2-chart-revisedWhile the chart provides helpful information about how many miles you have left once the low fuel warning light is on, YourMechanic warns, “Exactly how far you drive on empty depends on both your vehicle and on your driving habits and conditions.”

 

Is it bad for your car to drive on empty?

Most car experts recommend keeping your car no less than ¼ tank full. Though rare, driving on empty can cause damage to your vehicle. Dirt and debris can settle at the bottom of your gas tank and cause a blocked fuel filter.

Additionally, Consumer Reports says, “gasoline acts like a coolant for the electric fuel-pump motor, so when you run very low, this allows the pump to suck in air, which creates heat and can cause the fuel pump to wear prematurely and potentially fail.”

“It’s a good idea, especially when heading out on a road trip to carry along a disposable gas container, suggests Buck from GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

How can you conserve gas?

Although, gas prices have only risen marginally over the summer it does not hurt to try and save as much at the pump as possible. The American Automobile Association(AAA) has the following tips to help you conserve gas when hitting the road.

Accelerate gradually

When coming to a stop, let your foot off the gas as early as possible.

Avoid warm-ups in the morning, they are unnecessary and waste fuel.

Use air conditioning rather than open windows, they create drag

Maintain appropriate tire pressure

Keep the air filter clean

Drive the speed limit

GreatFlorida Insurance provides dependable, individually crafted auto insurance at a price you can afford, call us today.

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The post How Far Can You Drive on Empty? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/23/2016

How much is your personal information worth? Car insurance companies are offering discounts in exchange for personal driving data.

“Traditionally, auto insurers have based price on categories such as age, gender, where you live and the type of car you drive to determine the price of auto insurance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Auto insurance companies are now offering plug-in devices or smart phone apps to track a driver’s habits. The devices monitor information such as, the number of miles driven in a day, the time of day or night a driver travels, as well as, rapid acceleration and hard breaking. In return, a safe driver could be eligible for up to a 30 percent discount.

The data gathered is used to evaluate accident risks. The idea is a tracking device will allow insurance companies to craft a more personalized auto insurance policy based on the customers’ specific driving patterns. In the future, usage-based insurance will allow insurance companies to reduce fraud claims, help in stolen vehicle recovery and process claims faster.

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The goal is to identify safe drivers and entice them with discounts so they will remain loyal to the auto insurance company. Unfortunately, in the process these programs could expose riskier drivers making it more difficult to find affordable auto insurance.

“While discounts are appealing, an obstacle to usage-based insurance is privacy concerns,” says Buck with GreatFlorida Insurance, Florida’s top independent auto insurance agency. “Not all drivers are willing to share their private information.”

Chief Executive Glenn Renwick with Progressive, told the Wall Street Journal, “Progressive recognized from the beginning that it would be an uphill battle. Early company surveys of people’s interest in usage-based insurance revealed that about 40 percent of people had a viewpoint that was some variation on, ‘No way in hell.’”

Auto insurance companies realize earning the trust of customers will be key. Safeco’s website states, “We will not share the personally identifiable usage data we collect with any third party except to service your auto policy, for research as required by law.”

Their program, “Righttrack” offers an enrollment discount into their 90-day program. After the 90 days, they determine a final discount. The program is voluntary and free. A plug-in device is provided for participants.

Progressive has “Snapshot” a plug-in device that collects data about how much you drive, when you drive, changes in speed. Customers earn a discount based on their safe driving but risky driving can cause a rate increase at renewal.

After years of research Progressive concluded drivers have repetitive driving patters. Gathering data for a specific amount of time was sufficient to assess driving habits. Since 2008, close to 4 million drivers have participated in the Snapshot program.

Experts see usage-based insurance as inevitable despite privacy concerns. The economic benefits and convenience will outweigh apprehensions.

If you are looking for affordable car insurance, give GreatFlorida Insurance a call today.

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The post Are Auto Tracking Devices Worth the Discount? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/29/2016

The drive to work, a relaxing day at the beach or other fabulous summertime excursions shouldn’t be threatened because your ride is unreliable. The summer can be harsh on your vehicle and requires a little extra attention.

“Without spending a lot of money you can keep your car running smoothly and prevent major breakdowns and repairs,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Some maintenance can be done by knowledgeable DIYers while some upkeep, will require a skilled automotive technician.

AC-A fully operational air conditioning system is essential. A moderately operating AC system will fail you in the heat. Have a qualified professional check that it is functioning properly.

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Cooling System– “The greatest cause of summer breakdowns is overheating,” says The National Institute for Automotive Service Excellence ASE. Your cooling system should be flushed and refilled every 24 months. A 50/50 mix of antifreeze and water is recommended. Never remove the radiator cap until the engine has completely cooled, wait at least 30 minutes. The condition of the driver belts, clamps and hoses should be checked by a pro.

Oil-Most technicians advise you to change your oil every 3,000 miles, but check your owner’s manual for how often your oil and oil filter need to be changed.

“You will need to change your oil more often if you tow a trailer,” says Buck with GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Windshield wipers-Dirty windshield wipers can cause eye fatigue, creating a dangerous driving situation. Make sure to replace worn out blades and have plenty of washer fluid in the reservoir.

Lights-Check that your lights are working properly and replace burned out bulbs. Keep them free of dirt and bugs. Never use a dry rag when removing dirt or insects from your lights, it can cause scratching.

Battery-Excessive heat can shorten the life of a battery. Car and Driver Magazine reports heat can cause battery fluid to evaporate, damaging the internal structure of the battery. Keep the top of the battery clean, dirt can be a conductor, which drains battery power.

Keep it clean-Wash your car every week to prevent exterior damage from the sun, UV radiation, salt, air pollution and acid rain.

Summer Driving Tips

GreatFlorida Insurance offers dependable and affordable auto insurance to suit your needs. Contact us today for a free quote.

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The post Summer Car Maintenance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/26/2016

When traveling, you can find as much joy in the journey as the destination. All it takes is a little planning. If you are taking a road trip, the following hacks could make the travel smoother while creating some amusement and fond memories.

Basics

“Sometimes the obvious can be overlooked when packing up a family,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency. “Make sure to bring along emergency gear and the appropriate documentation including, your license, registration and proof of car insurance.”

Navigation

  • Interstates and highways that are odd numbers run, north-south. Those with even numbers run east-west.
  • Go old school with a map. Kids can follow your route and it could prevent hearing the dread question, “Are we there yet?”
  • If you are using your phone as your GPS and do not have a holder, binder clips and rubber bands attached to air vents can help keep it in place.
  • Take a screenshot of your directions from your phone while you still have a Wi-Fi connection.Road-Trip-Snacks2-copy

Entertainment

  • Play games as a team instead of competing against one another. This will prevent fighting during the license plate game or road scavenger hunts.
  • If you are bringing along your pooch, invest in a Kong toy. You can fill it with peanut butter. Dogs get bored too and this will provide entertainment without making a mess.
  • Download podcasts and audio-books. CD’s will be necessary to save your phone battery.
  • You can find travel game print-outs for kids at About Family Vacations
  • Use a pencil case or sunglasses case to store your cables, one spot and tangle free.
  • Bring a multi-port USB car charger

Restless/Sluggish

  • Make a stop where everyone can burn off energy, pack along a Frisbee or ball.
  • If you begin feeling tired, pull over to stretch, do jumping jacks or walk around
  • Get caffeine.

“Driving drowsy is just as treacherous as driving drunk,” reminds Buck with GreatFlorida Insurance, Florida’s largest independent auto insurance provider.

Clean & Organized

  • Store change for tolls in old plastic candy or gum containers. Remember to always have cash and some small bills on hand, for tolls.
  • A tackle box or craft container can help you portion out snacks and keep from overeating while saving some money by purchasing your own food.
  • A plastic cereal container makes a perfect no-spill trash can.

The American Automobile Association AAA, estimates this will be the second busiest Memorial Day weekend on record for road travelers. 38 million Americans are expected to hit the road. Lower gas prices, rising personal income and a strong labor market are believed to be the motivators for a greater number of travelers this year.

If you are looking for dependable and affordable auto insurance, contact GreatFlorida Insurance today.

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The post Road Trip Hacks appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/20/2016

Coastal living has many benefits but environmental factors such as saltwater and the sea air can affect the condition of your car.  A sea breeze can carry salt up to five miles away from the beach.

“If your car comes in contact with saltwater spray on a daily basis, it is important to pay special attention to the body of your vehicle,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Rust or oxidation breaks down the metal in your car when exposed to oxygen or water. Salt helps to accelerate this process. A car with rust is unappealing and unsafe and it will undoubtedly depreciate your car’s resale value.

The online car buying service CarsDirect, says cars usually have rust protection warranty for up to six years, but after six years is when vehicles begin showing rust. Sun and salt can destroy the finish on your car making it vulnerable to rust. The paint on your car is the first line of defense against rust. Bare metal oxidizes but a painted surface will not.

Rust or corrosion initially shows up on your trunk, hood or roof and then moves to the doors. Bubbles, scratching or flaking can be the first signs rust is forming. Small patches or little bubbles that appear on your car’s painted surface are considered cosmetic rust. It can easily be repaired as long as you take care of it because rust will spread throughout your vehicle rapidly.rusty

“By taking care of your car, you are protecting your investment,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency. “Paying special attention to developing rust and corrosion on your car will help maintain the life and reliability of your vehicle.”

Simple steps can help stave off rust from your vehicle. Experts recommend a weekly car wash and apply a wax coating once a month. Rinse your car, including the under carriage after spending time at the beach. You might consider keeping it covered when not in use.

If rust on your vehicle is neglected, more serious problems can develop. The combination of salt and humidity can cause corrosion to brake lines, gas lines as well as nuts and bolts, resulting in expensive repairs and dangerous driving conditions.

Automotive news and reviews website, Autoguide.com, reports frame rust is a real concern and can affect the integrity of the car. “Bad enough frame rust can cause parts to snap off or crack, which will really compromise the safety of you, your passengers and other motorist. It may also significantly diminish the car’s ability to protect you in a crash.”

GreatFlorida Insurance has you covered for all your car insurance needs. Call us for a quote today.

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The post Is the Ocean Ruining Your Car? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/30/2016

Last year proved to be a tragic one on Florida roadways with a shocking increase in fatalities.

“Drivers often forget how engaged you must be to drive.  Changing traffic patterns, weather conditions and a lack of sleep can turn what seems like a mundane task into a challenging one,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Preliminary estimates from the National Safety Council (NSC) claim, “2015 was the deadliest driving year in since 2008.” They reported an 8 percent increase in traffic deaths from 2014-2015, the largest year-to-year percentage increase in half a century.

Over the last year, the NSC estimates Florida saw an 18 percent increase in traffic fatalities. Since 2013, Florida has experienced the fourth highest increase in auto accidents across the nation.shutterstock_483674171

A stronger economy and lower unemployment rates are influences likely responsible for the disturbing trend. Average gas prices were 28 percent lower in 2015 than the previous year making driving more affordable.

These troubling statistics have caused many to theorize that more accidents can be attributed to distracted driving. They believe specifically an increase in cell phone use among drivers and walkers, causing inattention to the road. The NSC reports a quarter of all car crashes involve cell phone use.

Some financial and insurance experts have pointed to an increase in distracted driving to be the cause behind some recent increases in rising car insurance premiums.

“You can often trace back auto insurance hikes to more than one issue,” says Buck with GreatFlorida Insurance, Florida’s leading independent car insurance agency. “Medical expenses are on the rise as well as traffic accidents. Also, while today’s cars are equipped with advanced safety systems they are also more expensive to repair.”

Among the traffic accidents occurring, is the alarming increase in the number of cyclists and pedestrian fatalities.

The Governor’s Highway  Safety Association (GHSA), Spotlight on Highway Safety annual report, indicates, last year saw the largest year-to-year increase in pedestrian deaths ever, with a 10 percent increase.

They believe factors contributing to the rise include; an increase in vehicle travel due in part to lower fuel costs and improved economic conditions as well as the increase use of cell phones among walkers and drivers.  The findings report that pedestrians now account for 15 percent of car accident deaths compared with 11 percent over a decade ago.

GreatFlorida Insurance has experienced agents across Florida to shop all the major insurance carriers to find the best car insurance at the best rate for you.

 

The post Deadly Roads Could Increase Rates appeared first on The GreatFlorida Insurance Blog.