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What Is the Difference Between Comprehensive & Collision

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In brief, comprehensive auto insurance covers everything except collision. Collision insurance protects drivers in the case of encounters with other vehicles, objects, people, and the surface of the road. Collision insurance will cover the driver whether or not he or she is at fault for the accident. It also provides for towing, storage, and salvage if the car has been badly damaged. Generally, collision insurance will cover the cost of repairs to the vehicle, or replacement if it is badly damaged, unless the repairs are due to mechanical failure as a result of improper maintenance. In both the case of collision coverage and comprehensive auto insurance, several factors will influence the cost of the insurance. The age and experience of the driver, amount of yearly mileage anticipated, area in which the car will be driven, and value of the car will all be taken into account. With older cars, drivers should weigh the cost of the insurance against the value of the car to determine if the coverage should be carried. In almost all cases, collision and comprehensive auto insurance packages are subject to a deductible, which can range in price.Call us for an assessment of your coverage needs.EMERGE INSURANCE904-677-5884

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The Value of An Independent Agent

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When it comes to providing insurance, independence is a serious asset. As an independent insurance agency, we are not bound by the plans of a single insurance company. We have the flexibility to survey the entire market and select plans that are best suited for our clients. 

Declare your own independence, and let us help you with your specific solutions for life’s what ifs.EMERGE INSURANCE AGENCY904-677-5884

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What Is A BOP

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A business owner’s policy, or BOP, is a type of pre-packaged insurance designed for certain types of small-business owners. The BOP allows business owners to save on liability insurance costs by bundling multiple insurance policies together for a single affordable premium.

Let us assess your company’s business risk and guide you through the needed protections.EMERGE INSURANCE904-677-5884

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What Cars Will Increase the Cost of Insurance

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There are many factors that go into the calculation of car-insurance rates, and one of the most important of which is the type of vehicle being insured. As a general rule, the more expensive a vehicle is, the more costly it will be to insure. The cost of repairs is also considered, as is the claim frequency of certain makes and models. Other factors such as safety equipment and vehicle usage will affect the premium as well. Need an auto insurance quote?EMERGE INSURANCE904-677-5884 

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How Do You Switch Car Insurance And Get What You Paid Back?

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Switching car insurance is quite easy and we handle that transaction for our client.   As an independent agency we shop to find a better rate and provide you with detailed comparisons. Once the new company is found, you have applied and been approved, we handle the cancellation of the old policy. Naturally, we never cancel an existing policy before purchasing your new coverage. The process does not take long, and you could save hundreds of dollars.Need to make a switch?EMERGE INSURANCE904-677-5884
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Why Type of Car Matters for the Cost of Insurance

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Make and model are among the most important factors insurance companies consider when offering quotes, but other features of that car you’re desiring matter too. Consider the following in mind when selecting a new car to buy:
What your car says about your driving habits. Parents of young children often go for reliable minivans and smaller SUVs, and their safe driving habits mean savings for all. Sports car fans, on the other hand, are usually in it for the speed and performance, and rates on those types of cars show it.

The latest model will cost more to insure. Buying last year’s model may lose you a style point or two, but it can help you save on car insurance.

Check the safety records. The National Highway Traffic Safety Administration offers invaluable info on model safety and the National Insurance Crime Bureau releases yearly reports on the most-stolen cars. Rates for cars with poor safety histories and frequent thefts will be higher.

Consider adding safety features. Things like antilock brakes and LoJack security systems can help you lock in significant discounts.

Consider a hybrid. While hybrids feature parts and systems that can be expensive to repair or replace, their drivers tend to be safety-conscious, leading to lower rates.

Need a quote on that new car?EMERGE INSURANCE904-677-5884

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