The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


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Kingdom Tree Insurance Group

113 South Monroe Street,
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Tallahassee, FL 32301

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Things that should always be in your vehicle

Before you head out onto the road, it is essential that you check what you have in your glove box and trunk. Some things are necessary if you want to be prepared for everything that can happen when you are out and about in your motor vehicle. At Kingdom Tree Insurance Group in Tallahassee, FL, we are an independent insurance agency that works for our customers and owes our loyalty to you, the consumer.  


In your glove box or sun visor, you should have your vehicle registration and insurance card. Your driver’s license should also be in the vehicle with you. Most people carry it on their body, not in the glove box. Another essential thing to have with you in your car is your vehicle manual. This can be helpful if any lights are flashing on your dashboard that you don’t recognize or need to know how much tire pressure you need to have. 

You should also have your vehicle’s maintenance record in the vehicle so you can keep up to date on important things like oil changes. 

Safety items

In your trunk, you should have a spare tire, a jack, and flares to put up, so you don’t get hit while fixing your vehicle. A can of Fix a Flat can be beneficial as well. It would be best always to have jumper cables or a personal charger like a Halo in your vehicle.

Practical items

A charging cord, a phone holder so you can drive hands-free, a bottle of water or two, non-perishable snacks, a blanket, and a pair of sunglasses will all come in handy. 

Contact Kingdom Tree Insurance Group in Tallahassee, FL if you have questions about your auto coverage in Florida and what protection you need.

Required Auto Insurance in Florida

When you have a vehicle in Florida, you must have specific auto insurance coverage. Several different types of coverage are required to be in these policies, and there are other coverage types that are smart to add to your policy. In this state, you must have certain minimum amounts of each type of coverage required. You also have to have proof of insurance in your vehicle. Florida is referred to as a no-fault state. This means that your insurance policy will pay for any injuries you have until it reaches its limit, no matter who was responsible for the accident. If you are in Tallahassee, FL, give us a call at Kingdom Tree Insurance Group to get your auto insurance. 

Minimum Car Insurance Requirements

To stay legal, your auto insurance must have specific amounts of coverage for bodily injury. This includes one amount for one person injured in your accident and another amount required for all of the parties who become injured. There is also another amount required for personal injury protection. Another required amount is for property damage liability. All of these required amounts are very low when compared to what is required by other states. They may not be enough to pay for a severe accident. It’s a good idea to add to the necessary coverage so that you are better protected against severe and expensive accidents. 

There is no requirement in Florida for you to have collision insurance, which pays for the damage to your vehicle from an accident, or coverage for an uninsured motorist. However, both types of coverage are important, and you can add them to your policy. 

Call Us Today

To get auto insurance in Tallahassee, FL, call us at Kingdom Tree Insurance Group.

What auto insurance is required in Florida?

With more than 275,000 miles of roads and more than 14.6 million licensed drivers, you’ll be sharing the highway with lots of other folks in Florida. Some areas are a lot more challenging than others, but no matter where you drive in the state, you face the same requirements as every other driver. At Kingdom Tree Insurance Group in Tallahassee, FL we are independent agents who represent many different carriers. We will work for you to find the best policy for your needs. 

The required insurance in Florida is 10/20/10. That is $10,000 in bodily injury for the first person injured in an accident you cause, with a total of $20,000 for the entire accident. The final $10,000 is for damage to property. Since Florida is a no-fault state, you are also required to have uninsured motorist insurance equal to the bodily injury coverage and $10,000 in PIP (Personal Injury Protection) to protect you. 

If you have a leased vehicle or you have an auto loan, the lender or lessor will require that you also have collision and comprehensive coverage to protect their vehicle. 

As a Florida driver, you may wonder if having just the required insurance is enough for you. If you own your vehicle outright, you don’t need to protect your vehicle, but as a person who relies on their vehicle to get to work and to do all the things that people need to do, you may want to protect your car. That means opting for collision and comprehensive coverage even if it is not required. Having to pay to replace or repair your vehicle out of your own pocket is not something that most people can handle without struggling. 

Contact Kingdom Tree Insurance Group in Tallahassee, FL when you are in need of auto insurance or have questions about requirements and coverage.

How Age Affects Auto Insurance

Auto insurance is a unique monthly expense for many reasons. One of the most obvious reasons this expense is unique is because it is often required by state laws in order to operate a vehicle. It is one of the few expenses we are mandated to take on each month. Another unique thing about auto insurance is that the cost of insurance can vary greatly from person to person. We do not often see this with many of our other monthly expenses. Factors such as age can have a huge effect on your monthly auto insurance. At Kingdom Tree Insurance Group, serving Tallahassee, FL, we want to help you better understand your auto insurance so that you can make the best insurance choices. Keep reading to find out how age affects auto insurance. 

How Auto Insurance Works

Auto insurance rates are based on risk factors. Insurance companies assess risk factors by compiling data of millions of drivers across the country. This data allows the insurance companies to determine which types of drivers pose the greatest or least risks. Auto rates are then set based on consistent trends concerning age and even gender. 

How Does Age Affect Auto Insurance 

Generally speaking the younger the driver the more of a risk they pose when they are on the road. For this reason, insurance rates for young drivers are usually much higher. As a driver ages and matures, these rates will slowly start coming down. Most drivers see their lowest rates around the age of 30-40.

As drivers begin to age, however, data shows that risk factors begin to go up again. For this reason, aging drivers will begin to see their rates start to rise. 

The best way to combat this is by always keeping a great driving record. Good individual drivers can always get a great deal on their auto insurance. 

If you would like to learn more about auto insurance, please call our staff today at Kingdom Tree Insurance Group, serving Tallahassee, FL. 

Should You Maintain Comprehensive Insurance After You Pay Off Your Vehicle?

Most people know that you must have at least insurance to be legal on the road, but do you need to carry comprehensive insurance after you pay off your vehicle? Knowing how much insurance you need versus how much you should carry to adequately protect yourself from losses is important in helping you make the right choice. 

Carrying Comprehensive insurance

Comprehensive insurance is designed to protect you from a wide variety of threats ranging from weather to theft. This type of coverage gives you a blanket of protection from everything that may happen to your vehicle to cause a loss with a few exceptions. Whether or not you choose to maintain your comprehensive once your vehicle is paid off is up to you, however, it is advised that you give yourself the protection you need to prevent costly repairs or even a complete replacement. Consult your agent about the benefits of comprehensive insurance to help you make your choice.

Working WIth An Established Insurance Agency

Comprehensive insurance is a great tool that can protect you from loss as a result of a covered claim. Get the peace of mind you need both on the open road and where you park by working with an insurance company that has skilled insurance agents who deliver personalized services to clients. Those who live near the Tallahassee, FL area should call or stop by Kingdom Tree Insurance Group to speak with an agent about their options.

Get the coverage that works for your individual situation by calling or stopping by Kingdom Tree Insurance Group today. Buying a policy is easier when you have knowledgeable agents working to meet your needs. 

How to Insure More than One Vehicle

For those families and individuals that have more than one vehicle, here are some considerations for auto insurance.

The kind folks at Kingdom Tree Insurance Group, serving Tallahassee, FL and the nearby areas, recommend that you get started by making a spreadsheet of all the information about the vehicles.

Here is the information needed for each vehicle:

  • Vehicle Identification Number (VIN): Each car has its own VIN. It will be listed on a metal plate that is usually located under the door, in the driver’s door-opening area, or on the driver side where the windshield meets the dashboard. Check your vehicle owner’s manual to find the exact location. If you do not have a manual, you can call the dealership or go online to find where the VIN is located for your vehicle’s make and model.
  • Make, Model, Year: The make of the vehicle is the name of the manufacturer (such as Ford), the model is the brand name of the vehicle (such as Ranger), and the year is the issue year of the model.
  • Mileage: Note the mileage shown on the odometer located on the dashboard.
  • Lienholder: If there is a loan on the vehicle, this is the name of the lender along with the contact information for them that includes the mailing address, telephone number, and email address (if available).
  • Specifics of the Vehicle: How and where is it stored? Does it have any anti-theft device or car alarm? How many miles per year is it usually driven? Is it used for a daily commute?
  • Information about the Drivers: Name, DOB, age, and driver’s license of all drivers.

It is usually a better idea to insure all the vehicles using the same underwriter. If a vehicle is especially valuable, it may be a better idea to restrict the drivers in the family to the older, more mature persons. Any teen drivers will usually cause rates to be higher.

Bring all the information and make an appointment to get a quote from an agent at Kingdom Tree Insurance Group in Tallahassee, FL or submit the information online if that is more convenient.

Types of Additional Automobile Insurance

When insuring your vehicle in Miami or Tallahassee, FL, you will be legally required to have certain insurance coverage. This will include property damage liability and, for people previously in crashes or who have committed certain offenses, bodily injury liability coverage. Personal injury protection is also a requirement because Florida is a no-fault state. Residents living in Florida can obtain additional insurance, these are a few of the options.

Rental Car Reimbursement 

In the event of an accident, you may need to use a rental car while your vehicle is in the shop. Rental car reimbursement coverage will help you to cover these expenses, and this will likely be included in your policy if you carry comprehensive or collision coverage. An approved provider will bill your insurance provider directly, and a car rental company that is not pre-approved must be paid upfront by you and may be reimbursed at a later time. 

Other Insurance Extras

Underinsured motorist coverage is available to pay for medical costs and property damage bills when you are involved in an accident with someone with inadequate coverage. Towing coverage can help with flat tires and mechanical problems. Roadside assistance coverage can jumpstart your car and provide other mechanical assistance. Also, full glass coverage is an important provision that will repair or replace your windshield when it is damaged or broken. 

Kingdom Tree Insurance Group Can Help You

You can speak to one of our knowledgeable insurance agents about which auto insurance packages will best suit your needs, and you can get answers to any questions you may have regarding optional types of auto insurance. Kingdom Tree Insurance Group has experience serving the people in and around Tallahassee, FL and other neighboring states such as Alabama and Georgia. We look forward to working with you. Contact us today!