If You’re in the Market for Auto Insurance, Cowart Insurance Agency Has You Covered (Serving All of Florida – Including Deltona, DeLand, and Orange City)

Shopping for auto insurance can be a bother, but it’s a necessary one.  Florida requires that drivers who own and operate vehicles in the state of Florida maintain minimum insurance coverage, including personal injury protection (PIP) and property damage liability insurance. 

Aside from being the law, having a comprehensive auto insurance policy is a prudent step to protect your vehicle and other assets in the event of an accident.


At Cowart Insurance Agency, we appreciate the “grapevine” – a lot of our business comes from satisfied customers who recommend us to their family and friends.  But the grapevine is also the way that a lot of myths about the insurance business get passed around, and we’d like to clear up a few of them now:

  1. Red cars have higher insurance premiums.  We’re not sure how this one came about.  Maybe fast drivers are naturally drawn to the flashiness of a red car, and their resulting driving behavior increases their insurance rates.  But the truth is, as much as you may care about the color of your car, your insurance company doesn’t.  When quoting your premium, car insurers want to know the make, model, year, and condition of your car – what happens after you start driving it is up to you. 

  2. If another driver drives my car, they are responsible in the event of an accident.  This is an important myth to debunk.  Your insurance company insures your vehicle, not the person driving it – so if someone else gets into an accident in your car and the policy is in your name, you’re responsible.  That’s why it’s important to make sure you have good PIP coverage (which does cover you if someone else is driving your car) and liability coverage.

  3. Car insurance covers the contents of my car.  A car insurance policy isn’t like a homeowners’ policy, which covers the contents of your home as well as the home itself.  Personal property inside your car isn’t covered by your auto policy in the event of accident or theft.  It’s probably not a good idea to leave expensive items in your vehicle in the first place, but if you regularly travel with pricey objects, you may want to look into having them covered in your homeowner’s insurance policy. 

About Cowart Insurance Agency
We are a full service independent insurance agency located in historic DeLand, FL (just minutes from Deltona).  Full services means we offer a variety of plans for auto, home, and business insurance, and the fact that we are an independent agency means that we work for YOU, not the insurance companies.  We have several insurance companies to choose from when helping our clients select a policy, and our goal is always to make sure you have the best policy to fit your needs.