Car Insurance Jacksonville, FL
John Beck Insurance has been helping Jacksonville residents for over 40 years. With over 50 insurance carriers to choose from, we shop to help you get the best rate for your car insurance needs. As an independent insurance agency we have no loyalty to any particular carrier, rather our loyalties are to our customers and finding each of them the cheapest car insurance rate available. If you are in need of a Jacksonville car insurance quote, call us today and speak to one of our qualified agents (904) 721-3129.
Automotive Coverage for Every Type Of Car and Driver
With our vast network of Insurance providers we can virtually handle any type of driver in Jacksonville and throughout Florida. We offer several different insurance levels based on your driving history, budget, the amount you would like to insure and the type of vehicle that needs coverage. We can insure all types of vehicles, from cars, trucks, SUV’s, vans, and high performance vehicles. Whether you are considered a preferred driver or a high risk driver, we have insurance options for everyone.
If you would like to speak with one of our qualified insurance agents, contact us now (904) 721-3129.
Required Coverage for Florida Drivers
All Jacksonville motorists are required by law to carry property damage (PD) insurance and personal injury protection (PIP).
According to Florida Statute, Chapter 627 all owners or registrants of a vehicle must carry the following minimum limits:
- $10,000 of Property Damage (PD) liability for each incident
- $10,000 of Personal Injury Protection (PIP) per person, per incident
Property Damage (PD) liability coverage pays damages for which the insured is legally liable because of damage to property of others caused by your covered auto. The lowest amount you may purchase is $10,000. You may purchase a higher amount for a higher premium. The State of Florida requires you to carry this coverage.
Personal Injury Protection (PIP) covers you, resident relatives and certain others for bodily injury resulting from an accident, regardless who is at fault. It pays 80% of medical expenses, 60% for loss of income, replacement household services and if the limit has not been exhausted it will pay a death benefit up to $5,000. The maximum paid per person is $10,000. The State of Florida requires you to carry this coverage.
If you have any questions related to Florida’s mandatory coverage requirements contact us today (904) 721-3129.
Additional Car Insurance Options
Florida law mandates if you drive you must purchase a minimum amount of coverage for your vehicle.
Though Florida has some of the lowest car insurance minimums in the country, it is always a good idea to inquire about additional comprehensive coverage. Below are some optional coverage types available:
- Comprehensive Coverage- this coverage includes damage to your car, SUV or truck that did not occur from an accident. It covers fire, theft and vandalism. (ex: If your paint is scratched or damaged due to vandalism).
- Towing- if your car breaks down it will pay for a tow to an auto repair shop. (Typically it will pay up to $80.00 for the tow)
- Collision- this will pay for any damage to your vehicle due to an accident, minus your deductible.
- Rental Car- if your vehicle is being repaired due to an accident it will pay for a rental car at $20.00 per day for 10 days.
- Medical Payments- In addition to PIP which is required, you may also purchase this coverage for an additional premium. This pays for medical expenses along with PIP and provides basic coverage in situations where PIP does not pay. You may purchase limits of $1,000, $2,000, $3,000 or $5,000. This coverage is optional.
- Uninsured/Underinsured Coverage- this does not cover your vehicle for damages. This covers bodily injury for you, certain family members and others you are legally entitled to collect for injury resulting from an at fault driver who is either uninsured, underinsured or hit and run.
High Risk Auto Insurance Coverage
At John Beck Insurance we understand that all of us make mistakes. Whether you have been in several accidents, have been arrested for a DUI, driving while uninsured or have several points on your license, we offer higher risk insurance options. Below are the different high risk car insurance options we offer:
SR-22 is when bodily injury coverage is now required. It is a certificate issued by your insurance company vouching for you to the appropriate government department. It is basically stating that you are meeting your financial obligations and are insured with the legally required car insurance limits. Those who are in need of an SR-22 Certificate are “high risk” drivers. If you have had a DUI/DWI, caught driving while uninsured, involved in an accident with serious injuries, or have a significant number of points on your license you will need an SR-22. You will typically pay higher premiums with an SR-22.
FR-44 is similar to an SR-22 where you have to file a certificate through the state of Florida. The difference however is that an FR-44 is typically for DUI convictions. It will require higher limits than an SR-22. You will have to carry a minimum of $100,000.00 per person, $300,000 per accident and $50,000 of property damage liability coverage on your policy.
INSURANCE - PIP CLAIM
PIP claims account for the largest percentage of insurance fraud throughout the state of Florida. Due to this reason many insurance companies will deny car insurance coverage due to one or more PIP claims. It may be difficult to find auto insurance coverage after PIP claims, however at John Beck Insurance we are here to help.
Regardless of the reason, John Beck Insurance can help you navigate through our network of insurance companies and help you acquire the coverage you need. Each situation is different, however if you fall into one of these high risk categories we have the expertise to help you. If you would like to learn more about the options available to you, contact us today to speak with one of our auto insurance agents (904) 721-3129.
Why Choose John Beck Insurance?
Since 1978 John Beck Insurance has helped thousands of drivers get quality, affordable insurance for their car, SUV, truck, van or motorcycle. Whether you have a perfect driving record with no claims, or your driving record is not so clean we have an insurance company for you. If you would like for one of our highly qualified car insurance agents to help you choose the right insurance coverage for you contact us today. All consultations are free and due to our vast network of insurance carriers we can typically find the lowest car insurance rates in Jacksonville.