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While choosing products and services based on the cheapest option was once the smart way to make purchases, we have evolved as consumers and are more discerning in this day and age. Understanding that the value of a service is not based solely on its price is particularly important when choosing between service providers that protect us. Auto insurance is one of those services, as it protects you, your family, and others following an accident involving one or more vehicles. With the auto insurance solutions at Harris Insurance, you can drive at peace with the knowledge that you will be taken care of should the need arise.
Some drivers, unfortunately, still go without proper coverage even to this day. In doing so, they run the risk of significant financial penalties. We have made it easier than ever to obtain the auto insurance in Pensacola that you need, whether you are currently uninsured, you are looking to enhance your car insurance, or you are not sure whether you are covered for every likely eventuality. We offer a free analysis and a clear description of policy packages as offered by our top-rated insurance carriers.
By talking with Harris Insurance, you will find some of the best value for auto insurance in Florida. This is auto insurance that suits your needs, not auto insurance that leaves gaps or covers you in unnecessary areas. Our knowledgeable and experienced team will discuss options with you to make sure that you are protected and that your costs stay low each year. We pride ourselves on top-quality customer service and reliable, reputable insurance.
As the trusted choice for Florida auto protection, we offer:
How Our Pensacola, FL Car Insurance Can Help
When you purchase auto insurance there is a minimum requirement in all fifty states. While the minimum is suitable for some drivers, others would be better advised to enhance their auto insurance in key areas according to their vehicle use and other considerations.
Did you know, for example, that if you use your vehicle for work, you may not be covered by your personal auto insurance? Separate auto insurance is required for delivery people, and others who use their vehicles, not only to go to work but also during the course of performing their jobs. We understand Florida law and how insurance can help protect you in a crisis. Take a look at our sub-services below to see how we can adapt our insurance plan to your needs so you can drive without any gaps in your coverage.
Bodily Injury Caused to Others
If you are deemed legally responsible for an accident, and the accident caused injury to others, bodily injury liability coverage will cover costs. This type of coverage is a legal requirement in Florida, but that does not mean your current car insurance plan has a bodily injury in place, as it is possible to purchase auto insurance without bodily injury coverage.
If you are not sure if you have bodily injury coverage, feel free to give us a call for more information, and for a free analysis of your situation. The consequence of being in an accident without bodily injury coverage could be the immediate suspension of your driver's license. It can cost a significant amount of money to have your driver's license reinstated. If you do not have bodily injury coverage, you are still responsible for these damages, but you must pay them yourself, which can be financially devastating.
Minimum bodily injury coverage in Florida is $10,000 per person or $20,000 per accident. A single limit option has a minimum required limit of $25,000. We are happy to talk with you about the possibility of enhanced coverage, such as through an excess umbrella liability, to increase your protection.
Property Damage Insurance Caused to Others
If you are considered legally responsible for the damage caused to another vehicle, property damage insurance covers your liability. In Florida, coverage limits for property damage start at $10,000. Talk with your insurer if you think you need to increase this amount. You may be able to do so with an excess umbrella liability policy.
Personal Injury Protection
This type of protection is also known as “no-fault insurance” because it does not need a person to be at fault for the coverage to be triggered. This is a primary coverage that pays for the injury of occupants of a vehicle that has been insured. While the basic coverage limit is $10,000, we can discuss options covered, extensions, and deductibles to make sure that this coverage works for you.
Damage to Your Vehicle (Comprehensive and Collision)
Comprehensive coverage includes vandalism, falling objects, theft, fire, and storm damage. Collision coverage includes impact with fixed or moving objects and rolling over.
These coverages pay the cash value of your vehicle at the time of loss, minus your chosen deductible. Many options exist for enhancing this coverage. We will be pleased to talk with you about non-factory add-on equipment, new car replacement, replacement cost, and other options.
Towing Coverage
What happens after you have had an accident? In many cases, the answer includes having your vehicle towed. This can be expensive, so towing coverage could be a valuable optional coverage for you.
In most cases, towing coverage is a fixed coverage amount. Normally, this is paid as a reimbursement. It should reimburse you the cost of removing your vehicle from the scene of the accident to a facility where it will be repaired, or it will cover the cost of restarting a disabled vehicle and thus making sure you are back on the road as soon as possible
Rental Car Reimbursement
If you cannot drive your vehicle following an accident because of the damage, you can rent a vehicle to use in the meantime. This is another cost that is worth considering purchasing insurance coverage for. With rental reimbursement coverage, the insurer will typically supply a fixed coverage amount per day. It will most likely reimburse the cost of renting a vehicle and will normally last a set number of days.
If you are in a situation where you are renting while your vehicle is being repaired or because it is disabled, you should be aware that you might still be responsible for any damage to the rental vehicle during this time. Being responsible for the vehicle includes being responsible for “loss of use” if the vehicle is damaged while you have it. Costs like these can escalate quickly, so a physical damage waiver is often a good idea, as well.
Uninsured and Underinsured Motorist Coverage
This is valuable coverage that will protect you from any owners or drivers of other vehicles that are uninsured or underinsured. If they do not have the insurance or assets to compensate those who have suffered a loss due to their negligent use, maintenance, or ownership of the uninsured vehicle, this coverage will protect you. The limits for this kind of coverage would be the same as for your bodily injury coverage.
At Harris Insurance, we are flexible, knowledgeable, experienced, and ready to help you. Contact us for car insurance adapted to your needs, and for an insurance company near Pensacola that cares about your well-being and peace of mind.
Options & Potential Discounts
Safe driving discount
Accident forgiveness
Multi-car discount
Additional policy discount
Occupation discount
Educational degree discount
Vehicle equipment discounts (airbags, antilock brakes, anti-theft, rear & parking sensors, electric vehicle)
Home Owner discount
New car replacement
Transfer your policy to Harris Insurance discount
Senior driver accident prevention course discount
Paid in full discount
Good student discount
Non-factory, aftermarket & optional equipment coverage
