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People pay for insurance to protect themselves from losing money following an accident. At Harris Insurance, we work hard so our customers are protected with the type of insurance coverage that is most beneficial to them. When it comes to auto insurance, you should know that all drivers in the USA must have a minimum amount of liability insurance. This legal requirement protects you and other drivers, including passengers and pedestrians.
Your auto insurance will vary according to several factors, including your age, your vehicle, your location, and whether or not you use your vehicle for work. Commuting to work is one thing, but those who use their vehicles for work, such as delivery people, will require a different kind of auto insurance. We recommend that you obtain the car insurance that is best for you by contacting our professional, experienced team at Harris Insurance.
As the trusted choice for Florida auto protection, we offer:
Auto Insurance Options That Work for You
We do not believe in off-the-shelf solutions. While it sounds convenient, the fact is that they do not provide the appropriate level of protection for everyone. Drivers have different needs. We accommodate those needs with our flexible, customized auto insurance solutions.
We offer various services to cover all of our customers. Take a look at the auto insurance services that we offer to see how we can adapt our vehicle insurance to suit you, your circumstances, and your level of risk.
We provide a free analysis and describe each of the policy packages offered by our A-rated insurance carriers. At Harris Insurance, we want you to understand your auto insurance package, and exactly how it protects you. In this way, we provide you peace of mind and ensure that you comply with the law.
Our Jacksonville, FL Car Insurance Sub-Services
Sub-services are bodily injury caused to others, property damage caused to others, personal injury protection, damage to your vehicle (comprehensive and collision), towing, rental reimbursement, and uninsured and underinsured motorist coverage.
Bodily Injury Caused to Others- $10,000 per person or $20,000 per accident are the minimum limits required for any bodily injury auto insurance coverage in Florida. Some people choose a single-limit option, in which case the minimum requirement is $25,000. It is wise to consider increasing your protection by purchasing higher limits. We can discuss this with you to make sure that you, your business, and your family are adequately protected against bodily injury caused to others.
Property Damage Caused to Others – Some customers choose to include this coverage in an excess umbrella liability policy. It pays for any damages to others by a driver considered to be legally responsible for an accident. Without this coverage, you could find yourself on the hook for significant expenses resulting in damage to someone else’s property.
Personal Injury Protection – This is another legal requirement in Florida when it comes to personal auto insurance policies. In the case of business auto insurance policies, it is usually required, but not always. You may have heard of this kind of protection as “no-fault” because the accident does not need to be deemed as anyone's fault for the coverage to be triggered.
Damage to Your Vehicle(Comprehensive and Collision) – Being able to repair another person's car if you caused the accident that damaged it can be a big hit to your wallet, but what about your own vehicle? These types of coverage options pay a cash value appropriate to your vehicle when the financial loss occurred minus a deductible of your choice. Some clients enhance this coverage by adding replacement costs, new car replacement, non-factory add-on equipment, and other options.
Towing Coverage – Those with a towing option in their auto insurance can rest assured that they will be reimbursed if their vehicle needs to be removed from the scene of an accident to a repair facility. They can also receive reimbursement for the cost of starting a disabled vehicle to drive it themselves. It is optional coverage and typically pays out a fixed amount.
Rental Car Reimbursement – It is bad enough that you have had an accident, but you still need to be able to drive despite having lost the use of your vehicle. Rental reimbursement offers you a fixed amount per day while your vehicle is being repaired or while it is disabled. This kind of coverage normally pays out on a reimbursement basis for an arranged number of days
Uninsured and Underinsured Motorist Coverage – When other drivers are uninsured or underinsured, this can cause problems for you. Uninsured and underinsured motorist coverage helps to protect you against financial loss caused by an uninsured or underinsured party. It can compensate you if you suffer a loss because of someone who has been negligent in their use, maintenance, or ownership of an uninsured vehicle.
Find the Perfect Coverage Plan for Your Situation in Jacksonville, FL
While the concept of auto insurance is clear, protecting you from financial loss in the event of an incident or accident involving a vehicle, you can see that there are many options to choose from. Because there are so many things to consider when opting for Jacksonville auto insurance, we recommend that you call your insurer to tell them about your needs, your concerns, and your situation.
At Harris Insurance, we have trained, experienced professionals who are waiting to learn more about you and provide you with the coverage you need. We offer you a free analysis and a quote with no obligation. We are committed to providing you with not only the best customer service, but also the car insurance coverage you need according to your situation and lifestyle. For a flexible approach to auto insurance in Jacksonville that considers your needs, Request a Quote 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
