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Car Insurance is probably the most popular insurance of all. Why? Because everyone needs it! Whether you own a car, lease a car, or drive a car, you must carry car insurance in Florida. In addition to doing what is right, recent trends tell us that there is a high probability you will have a loss and need it sometime in your lifetime. In a world where everyone is a “good driver” and no-one is distracted by cell phones, children or a million other things going on every day, it may serve you to take chances, but not in today’s world. You need all the protection and confidence in a rock solid, Jacksonville Beach Auto Insurance policy can give you.
Every insurance commercial tells you they can save you $500 or $749 or even $800 dollars on auto insurance and maybe they can, but not without cutting and minimizing your protection. We’ve seen their policies first-hand and it is shocking to us what they will pass off as “full coverage”. With all the advertising, you may think some recognizable names are reputable, but we can tell you that the brands are only as reputable as the Agent you select. And some of the direct-to-consumer companies? Imagine the advice you receive from someone you will never be able to talk with, identify or track down again to ask why they left you exposed just to make a sale or make them look good to their superiors. The truth is that you are just a number and they don’t particularly care about your personal protection.
Everyone wants to pay less and get the best value, and I hope you now can see that buying Car Insurance based only on price is dangerous. If you are wondering where to purchase Jacksonville Beach Auto Insurance, it is a good idea to request insurance quotes from a reputable source. At Harris Insurance, we can offer you all the information you need about car insurance and help find the coverage that is right for you.
As the trusted choice for Florida auto protection, we offer:
Auto Insurance in Jacksonville Beach that is Right for You
Not all Car Insurance is equal, and neither are all auto insurance quotes. The right Car Insurance policy can have you on the road, or back on the road, quickly. Car Insurance protects you against:
• Accidents
• Legal action
• Theft
• Fire
• Hurricane, Flooding or other Natural Disasters
• Minor Fender Benders
• and other Covered Events
Your Jacksonville Beach, FL Car Insurance policy will also provide protection against medical and legal expenses which result from injury, property damage, and even loss of life when your vehicle is involved in a tragic accident.
Car Insurance rates will vary based on your driving record, type of vehicle, and the coverages you select. If you drive long enough, chances are you will be involved in an accident; hopefully a minor one. Proper Auto Insurance protects not just you, but your vehicle as well, and it also protects other people. It will cover minor and major expenses after an accident, whether the accident is your fault or not.
It may seem like the state-minimal auto insurance coverage will do, but we want to be clear: it is not enough. Florida has one of the more slack requirements when it comes to Auto Insurance and the State Minimum will not fully protect you in the event of an injury. You do not want to find yourself in a predicament where your insurance company agrees to pay to others a minimal amount because it would cost more to defend you in a lawsuit that they may or may not win. Their payment alone obligates YOU to pay to continue defending yourself as well as being left on your own to possibly pay large settlement sums.
“Cheap” Car Insurance will only go so far; not having the right coverage can cost you financially and derail your entire life. Our expert team of insurance providers at Harris Insurance will be glad to show you a breakdown of our policy packages when you contact us. Buy the best policy for you and your future and you will be glad you are protected with the best Jacksonville Beach FL Auto Insurance.
How Much Auto Insurance is Right for Your Situation in Jacksonville Beach?
Because we have been serving Florida Auto Customers since 1965, at Harris Insurance, we know Auto Insurance and we are happy to review the limits of protection you currently carry. Auto Insurance requirements vary from state to state, and in Florida you can carry:
• Liability Coverage – Pays for losses you cause others
• No-Fault Coverage – Pays you and your passengers for medical and other expenses caused by injuries sustained in a car accident, regardless of who is at fault
• Uninsured Motorist Coverage – Pays medical expenses for you and passengers in your vehicle
Because we have been writing Car Insurance policies in Jacksonville Beach, FL for decades, we are happy to explain and discuss what is best for helping you insure yourself, your vehicles, and your family.
When you finance a car, you will have to carry auto insurance to cover damages to your vehicle. And when your vehicle is paid for you may want to continue to protect your investment. This is called “Physical Damage” and would include the following:
Comprehensive Insurance
Comprehensive Insurance Coverage covers damage to your car which results from something other than an accident. If your car is stolen or vandalized, there is a fire or damage caused from a hurricane, windshield damage, or flood, these are covered under your Comprehensive Insurance.
Collision Insurance
Collision Insurance Coverage pays for damage to your vehicle as the result of a collision with a moving or fixed object. Standard Physical Damage Coverage pays for repairs up to the actual cash value or fair market value of your car.
You will have to decide on a deductible for both types of Physical Damage Insurance. This is the amount of money you are responsible for toward repairs before the insurance company responds and pays the rest. The higher the deductible you are willing to pay, the less the physical damage coverage will cost.
Options
Of course there are many options you can choose in addition to the standard coverages. These include Replacement Cost, Towing, Rental Reimbursement, and an Umbrella Liability Policy is a good place to start.
Discounts
There are many ways to save and lower the cost of a basic auto insurance policy, and more are being introduced on what seems like a daily basis. These can include an insurance score, existing coverage, early shopping, multi-car, safe driver, telematics, paperless billing, senior driver and accident and violation free discounts.
Your Florida Licensed Agent at Harris Insurance is an expert at locating and applying all-possible discounts to your quote to get you the best value.
Car Insurance Advantages with Harris Insurance
All Car Insurance coverages and companies vary. That is because all people are unique, and their needs are different as well. Affordable Insurance is not always the easiest option. Contact Harris Insurance and find out how to receive the best price and best value on Jacksonville Beach Auto Insurance that is right for you.
Knowing how to obtain the best Auto Insurance is what we do every day. We work hard for our customers, and because we deal with over 150 top-rated insurance companies, we will show you the best ways to keep your costs low, year over year.
We are your trusted source for Florida Auto Insurance. In addition to regular coverages, we offer many options and potential discounts for supporting insurance policies that you might need as well. Our Agents are continually training to stay on top of the insurance industry's market trends and changes. As always, there are never hidden fees or upcharges for any of our services. Contact us and let us help you choose the right Jacksonville Beach Auto Insurance coverage today.
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
