For Those Unexpected “Bang, Ding, Ow” Moments

Auto Insurance

We Know Auto Insurance

The perfect combination of price and protection is important. Let us guide you through the process of understanding how much coverage is necessary for you and your loved ones. Let us make sure you’ll have the auto insurance you need for unexpected surprises, making sure you’ve ensured your most precious belongings.

For additional protection, we offer customers the “Your Choice” auto package that includes:

  • Accident Forgiveness –keep your rates from going up just because of an accident (even if it is your fault).
  • Deductible Rewards –get $100 off your collision deductible the day you sign up, and an additional $100 off every year without an accident (up to $500 total).
  • Safe Driving Bonus – get up to 5% off your renewal bill for every six months of safe driving.
  • New Car Replacement – if your new car gets totaled in the first three model years, we’ll replace your car with a brand new one without deducting for depreciation. This is an optional coverage and is not included in the core “Your Choice” auto package.

With more than 40 years experience in the Daytona Beach Auto Insurance industry, O’Quinn Insurance has become one of the top family-run Daytona Beach Auto Insurance agencies, providing insurance in Daytona Beach, Ormond Beach, Port Orange, Palm Coast and all of Volusia and Flagler counties. We supply the highest value to all of our auto insurance options.

Man holding neck after car accident.
Uninsured Motorist Coverage

Sadly, drivers are on the road with no insurance (or are grossly underinsured). This insurance option covers you and your family members in the event of bodily injury or death in an accident involving a legally liable uninsured or underinsured driver.

Ambulance speeding to hospital with car accident victim.
Medical Payments

When you’re in pain, you don’t want to have to think if you’re covered or not for medical bills – you want relief. This insurance option covers assistance for medical treatment for accident-related injuries, no matter who’s at fault.

Damaged vehicle with no auto insurance coverage.
Collision Coverage

At times, more than just cars are involved in an accident. Streetlights, trees, and other objects might be involved. This insurance option covers damages involving other cars and/or objects.

Family using their auto insurance policy to call for a tow truck.
Comprehensive Coverage

Get the whole thing insured! This coverage pays for varied damages that aren’t caused by a collision. A comprehensive auto insurance option covers a wider array than basic auto coverage.

Man inspecting rental car provided by insurance company.
Rental Reimbursement

Sticker shock of a rental car adds proverbial insult to injury after a car accident. Rentals can be anywhere from $200 to $400 per week. This insurance option can offer a great sigh of relief for those who need transportation while their car gets serviced.

Car on tow truck being towed in for insurance inspection.
Towing and Labor

A disabled vehicle usually requires the service of a tow truck and labor associated with transporting it to a service shop for repairs. This insurance option is an inexpensive add-on to insurance plans ensuring you’re not left footing the bill for towing and labor expenses.

Man signing auto insurance policy documents.
Liability Coverage

For drivers found at-fault for accidents, the legal vulnerability can be tremendous. Liability coverage shields you from potential legal expenses associated with an accident, protecting people, property, and the unexpected.

Man writing a check for his auto insurance deductible.
Personal Injury Protection (No-Fault) Coverage

Regardless of negligence, this insurance option covers 80% of reasonable and necessary medical expenses. This includes income loss, funeral expenses for you and covered family members, and other personal injury possibilities.