Click to Call Schedule an Appointment
A. L. Saland Insurance Solutions, Inc

15135 Ogden Loop
Suite 201
Odessa, FL 33556

Get Directions

A. L. Saland Insurance Solutions, Inc Blog

The Difference Between Collision and Comprehensive Coverage

When we think about collision and comprehensive insurance coverages, they are often perceived as a combined deal. However, do you know the difference between the two? At A. L. Saland Insurance Solutions Inc. in Odessa, FL, we want you to understand your coverage well and feel secure that you are aptly protecting yourself, your loved ones, and your vehicle while driving.

Both comprehensive coverage, also referred to as ‘other than collision,’ and collision insurance are optional inclusions to your auto insurance policy. Collision coverage protects your vehicle in the event of a collision with another vehicle, building, or object. Conversely, comprehensive coverage is designed to repair or replace your vehicle if it gets damaged or stolen in situations other than a collision. These instances can include vandalism, fire, theft, or damages from falling objects such as tree limbs or hail.

If you are leasing or financing a vehicle, it is usual for lenders to demand that you carry both collision and comprehensive coverages on your policy until the loan is fully paid off. Collectively, they are often referred to as ‘full coverage.’ Maintaining both coverages can still be beneficial even after the vehicle is paid off.

When deciding on either coverage, choosing a deductible that meets your requirements is essential. While many insurance customers opt for identical deductibles for both comprehensive and collision coverages, it’s not mandatory. We advise discussing your individual circumstances with an agent at A. L. Saland Insurance Solutions Inc. in Odessa, FL, to determine your optimal limits.

The maximum limit that both comprehensive and collision coverages typically pay is equivalent to the actual cash value of your vehicle, which may be less than the amount you owe on your car. If such is the case, you will still owe money to your lienholder after the policy has been paid out.

Let’s Discuss Coverage Together

Contact the licensed professional advisors at A.L. Saland Insurance Solutions Inc. at (813) 995-0292 to discuss the best options for protecting your assets and ensuring your peace of mind.

Should You Insure a Junker?

A. L. Saland Insurance Solutions Inc. provides Odessa, FL residents with high-quality car insurance, even for junkers. However, we know that some Texas drivers may be tempted to forego protection on their junkers. Why pay for a vehicle that’s a piece of junk? Well, to protect yourself financially and legally.

All Cars Need Insurance

If you plan on driving a car on Texas roads, you simply can’t go without insurance. It’s against the law to drive uninsured, and you can experience real legal problems. For example, you might get fined if you get pulled over without it or experience lawsuits if you get into an accident without protection.

As a result, you need to find a policy that suits your junker. We understand that it might seem hard to justify spending a few hundred dollars a month to cover a vehicle you’re not going to drive long. That said, there are ways you can choose a policy that makes it fit into your financial plan more easily.

Choosing a Policy

Texas allows you to select minimal car insurance policies that don’t cost much but which also don’t offer a lot of protection. They’re typically just there to help with liability issues and replace your junker if it gets totaled. That kind of policy is great if you’re driving a relatively low-quality vehicle.

Furthermore, you can take steps like increasing your deductible costs to reduce your premiums. That means you’ll pay less every month but also have to pay more to activate your policy. If you’re driving a temporary junker that you’re going to replace anyway, there’s no reason to break the bank here.

Contact Us Today

With the help of our team at A. L. Saland Insurance Solutions Inc., your Odessa, FL area junker, can get affordable and strong insurance that can keep you safe. Don’t hesitate to reach out to us today if you’re interested in getting a policy that makes sense for your needs as a driver.

Four things you should do when you’re on the market for auto insurance

Vehicle owners need to have auto insurance. At A. L. Saland Insurance Solutions Inc., we provide auto insurance to Florida drivers that cover their liability expenses and provides financial protection.

The following are four things you should do:

Learn about coverage types and decide what you want.

There are a few different types of coverage that you can get on your auto insurance policy.

While you must have liability coverage to meet state requirements, you have the option of buying collision and comprehensive coverage.

You also have the option of buying other types of coverage like rental vehicle coverage and roadside assistance. Uninsured/underinsured motorist coverage is another optional type of coverage. 

Get your paperwork together.

When you purchase auto insurance, you need to provide your auto insurance provider with information about your vehicle like your VIN number and vehicle model. 

It’s important to gather paperwork and documents that include needed information like your vehicle title and driver’s license when you buy a policy. 

Research auto insurance providers in your area.

You’ll need to choose which company to buy insurance from. Make a list of the auto insurance providers in your area that have a reputation for reliable coverage and good customer service. 

Get quotes from auto insurance providers.

When you’ve found some insurance companies you are interested in buying coverage from, you should get quotes on policies. You can then compare auto insurance quotes to choose which policy you want to purchase. 

Reach Out To Us

We can offer you a policy quote at A. L. Saland Insurance Solutions Inc. If you’re a Florida driver and you’re choosing auto insurance, give us a call today!

5 Things You Should Do if You’re in an Accident

No one ever expects to be in an accident, but unfortunately, they happen every day. If you find yourself involved in a car crash in Florida, there are some important things you should do to ensure everyone’s safety and to protect your interests.

At A. L. Saland Insurance Solutions Inc, we want to make sure you’re prepared for anything.

Here are five things to do if you’re ever in an accident:

1. Check for Injuries and Render Aid if Necessary

Before anything else, check if any vehicle occupant has injuries. If there are casualties, call 911 to get them medical attention. Resist the urge to move an injured person as this may worsen their condition.

2. Move Your Vehicle Out of the Way of Traffic, if Possible

Once you’ve ascertained that everyone is okay, you should try to move your car off the road if you can do so safely. If you can’t move your car, turn on the hazard lights. It’s important to get out of the way of oncoming traffic to avoid further accidents.

3. Call the Police

Even if the accident doesn’t seem serious, it’s always a good idea to involve the police so that there’s a record of what happened. The police will also be able to direct traffic around the accident scene and help keep everyone safe. 

4. Gather Information About the Other Driver and the Accident Itself

While you’re waiting for the police to arrive, take a moment to collect some basic information, such as their name, phone number, address, and insurance company details. It’s also a good idea to take pictures of the accident scene with your cell phone so that you have a visual record of what happened.

5. Get in Touch With Your Insurance Company Promptly

As soon as you can after an accident, contact your insurance company and let them know what happened. They will likely want to send an adjuster out to assess the damage and begin working on your claim right away. However, you’ll first need to have the right insurance in place to protect you from the financial repercussions of an accident. 

Protect Yourself on the Road With Insurance

No one plans to get involved in an accident, but knowing what to do if it happens can make a big difference in terms of safety and protecting your interests financially. By following these five steps, you can help ensure everyone’s safety and give yourself the best possible chance of getting fairly compensated for any damages incurred.

At A. L. Saland Insurance Solutions Inc, we’re here to help Florida drivers secure the auto insurance coverage they need to protect themselves on the road. Give us a call today to learn more about our policies and how we can help you.

Questions you should ask before you choose a health insurance policy

Talking about stress, choosing your health insurance plan is one of the most stressful things you do every year. It is such an important decision that it cannot be taken lightly. You will have to live with that decision for a year, be it good or bad. Before you make a decision,  there are some questions that you need to ask. At A. L. Saland Insurance Solutions Inc in Florida, we are independent insurance agents and are dedicated to personalizing the experience of all of our customers. We work to make sure your insurance provides what you need it to at a price you can live with. 

How much does the insurance cost per month?

While price is only one factor and isn’t even the most important one, it has to be considered. No matter how good of a fit a policy is, if you can’t afford to pay for it, it won’t do you much good. 

What is the deductible?

These days, high deductible policies are all the rage, but if your deductible is so high you never get any coverage, the plan won’t be much of a benefit. 

Is my doctor in-network?

Every plan has a network of providers. Not every doctor is in every network, and if you have a doctor you prefer to use, they must be in the network. Especially if they are your primary care physician,  they will have a lot of input into your healthcare. 

Does the policy have drug coverage?

If you take prescription drugs, you need to know that your health insurance provides prescription coverage. The drugs are listed in a formulary in tiers. Each tier has a copay, and some also have a deductible. Not every drug is included, and in some cases, you will be required to use a generic rather than the brand name. 

Contact A. L. Saland Insurance Solutions Inc in Florida when you are ready to use our assistance in choosing your health insurance.


Why An Automobile Insurance Policy Is Important

Why An Automobile Insurance Policy Is Important

Wondering what the benefits of getting an insurance cover for your vehicle are? There are many car insurance benefits, especially right after an accident happens. The main benefit of insuring your vehicle is to save you money, whether you caused the crash or are a victim. Another benefit is to comply with certain area traffic laws. If you live in Land O Lakes, Florida, A. L. Saland Insurance Solutions Inc. takes care of all your automobile insurance needs and spares you from negotiating with other drivers and property owners involved in the accident.

Is Automobile Insurance Mandatory?

Yes, all drivers must carry automobile insurance and show proof in the vehicle when driving on any road in Florida.

Does an Insurance Cover Save You Money?

Yes, a good insurance policy can save you money when you don’t have to pay for damages. Car accidents are common, and while you may be very careful on the road, you are always exposed to situations by other drivers. In the unfortunate instance that an accident happens, the guilty driver is supposed to cover all costs. The costs include medical fees, legal fees as well as lost income.

Without a certain automobile insurance cover, the driver is forced to pay for the costs out of his pocket. However, with an automobile cover, the insurance company covers the vehicle’s repair and, in some instances, even replaces it. With an automobile insurance cover, you will end up paying less if you are involved in a large accident. A head-on crash accident can end up costing you huge monetary losses, but with a policy, you will end up paying very little for the accident.

How can A.L. Saland Insurance Solutions Inc. Help You Reap the Benefits of Auto Insurance?

If you live in Land O Lakes, Florida, A. L. Saland Insurance Solutions Inc. will guide you in choosing the most suitable compatible insurance group for your vehicle model, which damages each policy covers and explains its benefits to you clearly and professionally.

3 Things to Know Before Buying Automobile Insurance

Buying automobile insurance in Land O Lakes, Florida is not only a way to protect you, your passengers, and your vehicle while driving, but it is also illegal to operate a motor vehicle without it. If you are new to buying automobile insurance the various options may seem overwhelming, so A. L. Saland Insurance Solutions Inc. has put together a few things you should know before you buy automobile insurance.

The Different Types of Policies

Doing your homework is one of the most important things to do before purchasing automobile insurance. There are a variety of different types of coverage, including liability, comprehensive, collision, and a number of “specialty” options. The best way to determine which option is the best for you and your needs is to talk with a representative from the insurance provider you are considering.

How Much Coverage Do You Need?

There are a number of factors to consider when determining the amount of coverage you’ll need. For instance, you’ll need to consider where you drive, such as to work or only for personal errands, how much you drive (approximate miles), and if you are leasing, financing or own your vehicle. The answers to these questions will help you and your insurance provider determine how much coverage you’ll need.

One of the most common questions people have when it comes to their insurance coverage is does a higher deductible lower your premium? The simple answer is yes; however, a higher deductible also means that if you are involved in an accident, you will be paying more out-of-pocket for costs of repairs. For this reason, it is important to make sure you are financially stable should you ever find yourself in a situation where you will need to pay out-of-pocket for repairs.

Residents in Land O Lakes, Florida that want to learn more information about their current or possible automobile insurance policy should contact A. L. Saland Insurance Solutions Inc.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood