Is the rate given to me accurate?
Our team makes sure to provide you with the most accurate rate possible so that you know what to expect.
My current insurance company has significantly increased my rate. How can I get a lower rate?
We are here to find you the most competitive prices on the market today, and we’ll fit you with an insurance package that suits both your needs and your budget.
Is there a fee for getting an insurance quote?
With us, there isn’t.
We work with you to find the right insurance quote, no strings attached.
What is the difference in insurance if my vehicle is financed?
If you’re financing your vehicle, lenders require collision coverage as well as comprehensive coverage
I have an RV/motorhome that I want to insure. Do you offer coverage?
Yes, at Orlando Jackson Insurance Agency, we offer specialized RV and motorhome insurance.
What is collision coverage?
Collision coverage pays for vehicle repair or replacement in the event of a crash with another vehicle or an object connected to the ground. You are covered up to the current cash value of your car.
What is comprehensive coverage?
Comprehensive coverage pays for the repair or replacement of your vehicle in the event of damage caused by an unexpected situation such as theft, vandalism, fire, natural disaster, falling or flying objects, or civil disobedience. You are covered up to the current cash value of your car.
What is an “at-fault” accident?
An “at-fault” accident is when you are considered responsible for causing it, either through an act of your own or a failure to take action.
If I let my friend drive my car, will he or she be covered?
In most cases, car insurance goes with the car rather than the driver. Hence, as long as your friend has a license, your insurance should cover any damage that might occur.
What is a lapse in insurance?
A lapse occurs when you stop paying for or cancel your car insurance. We recommend avoiding an insurance lapse as this can result in costly consequences.
What is a deductible?
When submitting an insurance claim, a deductible is an amount you’re responsible for before the insurance company covers the rest.
How long do tickets and/accidents stay on my driving record?
Typically, driving accidents and tickets stay on your record for 3 years, but depending on the severity of the violation, they could be there for up to 10. For example, an “at-fault” accident will remain on your driving record for at least 6 years from the date of conviction.
Is hail damage covered?
Comprehensive insurance covers hail damage as it falls under the category of “act of nature”. Still, this usually involves a deductible. If severe damage has occurred, you are covered up to the actual cash value of the vehicle.
Is my car covered for damage caused by a flood?
Comprehensive coverage covers flood damage.
I drove through a pothole and damaged my car. Is the damage covered?
If you have collision coverage or all-perils coverage in your car insurance plan, you are covered for all pothole damage. Driving through a pothole is considered a single-vehicle collision and is, therefore, a covered loss.
How do limits and deductibles impact my premium?
Your premium is how much you pay your insurance company regularly to keep your coverage in place. Depending on the insurance type and specific policies, you can pay your premium monthly, quarterly, biannually, or annually. Whether it’s home, car, or life insurance, limits and deductibles are common factors that affect your premium rates.
An insurance limit is the maximum amount covered when making a claim—usually, the higher your coverage limit, the higher your premium. Our insurance agents can guide you in the right direction when it comes to pinpointing the perfect coverage limit for your needs.
An insurance deductible is the amount of money you have to pay out of pocket for a covered claim. Generally, you may be able to save money on premiums by selecting policies with higher deductibles. Consult with our insurance professionals to see what’s in your best interest.
When should I review my insurance protection?
At Orlando Jackson Insurance Agency, we believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with us as soon as possible.
Get in touch with us now at (203) 387-1716 to schedule an appointment.