As a new driver, it is important to remember that safety should always come first. Driving safely doesn’t just mean respecting traffic laws and regulations, but also taking into account other drivers, road conditions, and obstacles along the way. To help make sure you stay safe while driving here in the Tallahassee, FL area, or anywhere, here are some tips for new drivers from us at Fuqua Insurance Agency.
Safe driving tips for new drivers
1. Have a plan before you drive.
Before hitting the road, check your route, leave plenty of time for your trip, and plan for potential traffic delays or alternative routes. This will help ensure that you don’t end up feeling rushed or unprepared for unexpected road conditions.
2. Don’t be distracted.
Distracted driving is one of the leading causes of car accidents and can put you at risk of serious injury or death. Avoid using your cell phone while driving or engaging in any activities that distract from the task at hand – driving safely!
3. Be prepared for emergencies.
Keep an emergency kit in your car with flashlights, flares, jumper cables, and other tools necessary to handle an unexpected breakdown on the side of the road. It is also important to make sure someone knows when you are leaving and when you expect to arrive at your destination.
4. Drive defensively and be aware of your surroundings at all times.
Be mindful not only of other drivers on the road but also pedestrians and animals that might cross your path unexpectedly! Obey all posted speed limits as well as right-of-way laws so that everyone around you remains safe.
Reach Out To Us
Following these tips will help ensure that every drive is a safe one! For more tips, give us at Fuqua Insurance Agency a call today. We proudly serve the Tallahassee, FL area.
Fuqua Insurance Agency proudly serves the Tallahassee, FL community. For over 23 years, we have helped residents obtain the coverage they need to protect their assets. We offer versatile policies designed to meet the evolving needs of our clients.
We look forward to consulting with you so that you can obtain the right policy for your situation.
Auto Insurance Add Ons
Auto insurance protects you as you travel around Florida and beyond. While you use your vehicle to complete everyday tasks, insurance helps you stay safe on the road. Operating a car comes with relatively high risks. You have to navigate road conditions such as detours and traffic delays while also dealing with the bad driving habits of other drivers. Auto insurance protects you if your vehicle is damaged in a collision. Liability coverage protects you if you are held responsible for causing property damage or injuring someone with your vehicle. Comprehensive coverage protects your vehicle in unique situations. Perhaps you are driving through inclement weather, and swirling debris damages your windshield, cracking it. Comprehensive coverage protects you in that situation. You are also covered if your vehicle is stolen or damaged due to an accidental fire. One key feature of auto insurance policies is altering them and adding extra coverage.
Uninsured coverage protects you if you are involved in an accident with someone who does not have insurance. Handling damages with someone who does not have coverage may become complicated. However, uninsured coverage ensures that you are protected in that situation.
Getting a flat tire or suffering battery issues is a major nightmare if you are heading out of town. Luckily, you can add towing coverage, ensuring that you will receive urgent service when you need it.
Fuqua Insurance Agency Will Help You Protect Your Assets
Contact our office in Tallahassee, FL to learn more about auto insurance.
Buying an auto policy for the first time can often prove challenging, given the numerous insurance jargon that comes with the purchase process. To help with this, Fuqua Insurance Agency lists standard terms you should know before signing up for your auto policy. In addition to helping starters navigate this path, the following guide will also come in handy for any Tallahassee, FL car owners looking to reacquaint themselves with auto policy terms in readiness for their next purchase.
Liability insurance refers to the minimum amount of coverage that every driver is required to have. While the minimum coverage varies in each state, insurance options covering 3rd party bodily injury liability and property damage liability will often be sufficient. Such auto policies help you cover the costs of injuries to other parties while also taking care of 3rd party property repair and replacement costs.
Damages refer to the costs you will be required to legally pay to other parties when found liable for injuries caused in an accident. Damages are also awarded to 3rd parties when accidents result in property damage requiring repairs or replacement.
Damage refers to any destruction of property such as vehicles or buildings or harm caused to a person. During an accident, damage can be used to refer to injuries that you, your passengers, or 3rd parties sustain or property loss that the listed parties also incur.
Coverage is the term used to refer to the specific benefits that your policy provides. Examples include collision coverage that pays for expenses arising from impact accidents and comprehensive coverage that protects you when your vehicle gets damaged during vandalism or fire outbreaks.
Personal Injury Protection
Personal injury protection is a policy that takes care of your medical costs when you get into an accident. It also pays for lost wages for you and your passengers.
To get auto insurance within Tallahassee, FL, get in touch with Fuqua Insurance Agency today. Our agents will take you through our policies and help you pick out a customized solution.
When it comes to car insurance in Tallahassee, FL, you never want to drive with less than the minimum legal required amount, and you usually want to drive with full coverage. But there may be instances where you don’t really need any more than the legal minimum.
Rule of Thumb
The simplest way to determine if you need full coverage is to consider this rule of thumb: If one year’s premium payments come out to more than the car’s current value, you might as well drop everything but liability and any medical policies you’re holding.
With a new car, collision and comprehensive are a must. And you’ll probably want gap insurance and replacement coverage, too. But once you hit that 250k mile marker on the odometer and you’re not sure if your car even has another year left in it, all of those other policies will wind up costing you more than they’ll ever payout.
It can be hard to accept when your car is past its prime, but you can’t insure it for its sentimental value, only for the cold hard cash you’d get if you were to sell it.
You never want to drive with less coverage than you need, but you don’t want to pay more than your car is worth to protect its value, either.
If you have any questions or if you’re looking to get covered in Tallahassee, FL, get in touch with the Fuqua Insurance Agency. You can call or visit the Fuqua Insurance Agency website in order to get a quote on the insurance you need, whether that’s just the basics or a full package.
You need to select the right auto insurance coverage for financial security while driving in Tallahassee, FL. At Fuqua Insurance Agency, we can help with that. We provide Florida auto insurance policies.
You need to do your research and choose carefully when selecting auto insurance coverage. The following are three auto insurance mistakes to avoid when purchasing a policy.
Purchasing only enough coverage for state requirements
It’s true that your auto insurance policy is going to need to meet some state minimums in terms of liability coverage. However, that doesn’t mean that all your policy needs to do is meet these basic minimum requirements.
Meeting state liability coverage requirements will allow you to drive legally. However, it doesn’t mean that you’ll be financially secure. You could get in a costly accident that costs you much more than your policy will cover. This could create huge financial problems for you down the road.
Choosing a policy with a high deductible
High deductible policies offer the advantage of having lower monthly premiums. However, paying a large deductible might not be possible for you if you get in an accident.
Ensure your deductible amount isn’t so high that it will be a financial burden to pay if you get in an accident and need to file a claim.
Not looking into policy features.
There are a lot of auto insurance policy features that it’s beneficial to have. Two prime examples are roadside coverage and rental car coverage. These features can make things much more convenient for you if your vehicle breaks down or if your vehicle is involved in an accident and needs to spend a few days in the shop.
Do you have questions about auto insurance in Tallahassee, FL? We can help you to find the answers you’re looking for. Contact us at Fuqua Insurance Agency today to learn more.