As your teenager takes the final steps necessary to become a licensed driver, you must set up an auto insurance policy for him or her for the first time. Typically, the teenager is added to a parent’s auto insurance policy. The teenager may need to be listed as a primary driver on one of the vehicles, and your insurance agent can provide you with personalized details regarding these requirements as they pertain to you.
As is the case with all drivers, your teenager’s insurance policy must comply with minimum state requirements. If the car has an auto loan on it, the teen driver will need collision or comprehensive insurance as well as liability coverage. Your policy may qualify for special deductions and credits as a result of adding the new driver. If you were not already taking advantage of a multi-vehicle or multi-driver discount, this money-saving option may now be available. Many insurance providers offer a discount for students in general or for students who earn good gradesRead More
Does Your Auto Insurance Cover Someone Else’s Car That You’re Driving?
There’s no doubt that auto insurance can be confusing. Subsequently, a lot of people make assumptions that are not true, and they end up suffering the consequences when an accident occurs. One of those assumptions is regarding insurance coverage when you’re driving someone else’s car.
There was a time when a comprehensive car insurance policy included coverage for any vehicle that you drove. Years ago, you simply needed comprehensive coverage and the owner’s permission to drive the car in order to be covered. This was known as the driving other cars (DOC) benefit. Unfortunately, that’s no longer the case, as more insurance companies do not offer this level of coverage as part of a comprehensive policy.
Although DOC is no longer a standard, there are some insurance companies that offer it as an add-on. Even when this is the case, it usually does not apply to anyone under the age of 25 because the benRead More
Though handling insurance affairs may seem like a daunting undertaking, at Alliance Insurance, we offer streamlined solutions and straightforward methods. Located in the Sarasota area, our insurance professionals have insight into commercial, condo, and personal insurance plans. The latter is an option that many individuals forego. Personal liability insurance serves to safeguard individuals against the vast unknowns and uncertainties of life. In short, opting for a personal insurance plan provides peace of mind to both you and your family. Should a horrific situation arise, this plan seeks to keep your family financially secure. Call us today at 941-921-6000 to explore the many options of personal liability insurance.Read More
One of the major reasons that people are involved in auto accidents is that they are distracted while driving. People become distracted while driving for a number of different reasons. One of the major reasons is that people are texting or talking on their cell phones when they need to have their attention on the road.
The phone isn’t the only way that leads to distracted driving. Drivers can become distracted by utilizing the GPS or by operating the vehicle’s sound system. Eating while driving is also a major means of distraction.
No matter what leads to an auto accident, you need to make sure that you have the proper coverage in case you are involved in an accident. At Alliance Insurance of Sarasota, we can provide the auto coverage you need for your peace of mind.
If you live in Sarasota or the surrounding areas, contact us at Alliance Insurance of Sarasota. We would be happy to go over your coverage with you to make sure that you have adequate protection. We can also provide youRead More
Regarded as Sarasota’s insurance specialists, we at Alliance Insurance put a premium on keeping individuals, homes, and businesses safeguarded against the unknown. Our expertise runs the gamut from personal insurance to risk management. Given our Floridian roots, we understand the perils of living in the Sunshine State. All Florida residents are susceptible to wildfires, hurricanes, and floods. Should you succumb to one of these natural disasters, we’ve got you covered. Partnering with us unlocks insight into insurance programs, liability claims, property damage, and umbrella policies. Thanks to our valued clients, we were recently able to upgrade locations. You can now find Alliance Insurance on Bee Ridge Road in Sarasota. Swing by for a free quote or give us a call at 941-921-6000.Read More
“Living in Florida is a dream come true but it’s important to protect your home and family against flood damage in the event of a storm. How do you make sure that you’re safe? Check the FEMA flood maps and find out if you’re in a flood zone. If you see that you are, you definitely want to invest in flood insurance. Many people assume that regular homeowner’s insurance will cover them in the event of a flood but flood damage requires special insurance.
If you’re unsure about your coverage and know that you are in a flood zone, don’t hesitate to call us today at Alliance Insurance in Sarasota. We work hard to protect your dreams. Call 941-921-6000 today to speak to a trained insurance specialist who will review your current coverage and recommend the best possible coverage in the event of flood damage. Don’t wait until it’s too late!”Read More
“If you think that your homeowner’s insurance policy protects you against financial loss for all types of damages, you may want to research your coverage more closely. One of the more significant and common events that it does not typically provide coverage for is flooding. A flood that brings even a few inches of water in your home can cause tens of thousands of dollars in damage or more. Without flood insurance added onto your home insurance coverage, you may have to pay for these expensive repairs out of your own pocket. A closer look at if your home is at a high risk of flooding is in order.
FEMA has created flood maps that indicate the likelihood that your home may be impacted by a flood. In many cases, if your home lies in a known floodplain, your mortgage company may require you to purchase flood insurance in addition to your standard home insurance policy. Even if this is not required, it may make sense to check the FEMA maps and to determine what your risk is. UnderstandRead More
Most of us don’t hesitate to get our homes or cars the proper insurance coverage. These are valuable possessions that can potentially suffer thousands of dollars of damage in a storm or an accident. They also need protection against theft and vandalism.
The boats, motorcycles and ATVs that many people own are also valuable possessions. Some larger boats cost as much as a house. These possessions also need the right level of insurance protection against accident, theft or vandalism. With the number of storms that come through Florida each year, you need to make sure that your valuables are protected from hurricane winds and hail.
At Alliance Insurance, we offer home insurance and car insurance. We also have plans available to cover your boat, motorcycle or ATV. You need protection for these items, and we would be happy to assist you in finding the right insurance solution for you. If you live in the Sarasota area, contact Alliance Insurance for your insurance needs.Read More
Most people think of home insurance as something that protects the structure of their home from perils such as tornadoes, hurricanes and fires. It does do that, but it also provides additional coverage that can be just as important: personal liability coverage.
Personal liability coverage can help to protect your assets in the event that you are sued and may face liability. The scenarios can be numerous. They could include your dog biting someone while out on a walk, a person slipping and falling on an icy sidewalk in front of your home or you facing a libel lawsuit over something you said on a social media page.
The personal liability portion of your homeowners insurance will cover you for these events and allow you to feel more secure that your assets will be protected. To find out more about personal liability protection, call Alliance Insurance or check out its website at alliancesrq.com.Read More
Alliance Insurance provides both auto and home insurance to Sarasota residents. We believe in protecting our clients regardless of who’s at fault. Our experienced claims representatives know how to handle your needs after an accident or claim. When writing new auto policies, we ensure our clients are protected with the right amount of coverage. We’ll never recommend something that a client doesn’t need to protect themselves.
In the event of a claim, our clients are often protected in all situations. Alliance Insurance takes care of clients by protecting themselves, their property, and their loved ones. We’ll take care of the other party in an accident in the event that our insured is at fault for causing the accident. Either way, we believe in protecting consumers when they need protection the most, and we’re committed to providing incredible service.
Auto claims are often complicated and sticky situations. Nobody likes dealing with a claim after an accident. For the best results, AlRead More