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701 Riverside Park Place
Suite 202, Jacksonville, FL 32204

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Featured Insurance Blog

Choosing Your Deductible: Four Factors to Consider

When choosing an auto insurance policy, deciding what level of deductible makes the most sense for your needs can be challenging. At 925 Partners, serving Jacksonville, FL, we’re here to help you choose the right auto policy. Let’s look at what you’ll need to consider when choosing your deductible level for your auto insurance policy. 

Vehicle Value

If you have an older vehicle, it may make sense to choose a higher deductible. Since older cars are more likely to need regular repairs, you may want to use the money you save from selecting a higher deductible for your emergency repair fund. 

Driving Risk

If you’re generally a safe driver, your insurance company will likely consider you low-risk. If your chances of getting into an accident are relatively low, you may want to choose a higher deductible than if your chances are higher.

Consider Your Budget

If you got into a car accident today, how much could you spend on repairs? Consider this when choosing your deductible. If you’re on a tight budget, it might make more sense to choose a lower deductible with higher monthly premiums to afford a repair if the unexpected happens. 

Think About Your Environment

Even if you’re a great driver, those around you may not be. If you live in an area with high fender benders or hit-and-runs, you may want to go with a lower deductible.

Reach Out to 925 Partners, Serving Jacksonville, FL, Today

If you’re searching for a new auto insurance policy, you’re in the right place! At 925 Partners, serving Jacksonville, FL, our team is here to help you find the right auto insurance policy for your needs. Please stop by or contact us today to learn how we can help protect you on the road. 

Will Insurance Cover an Accident if Someone Else is Driving My Car?

Loaning your car to someone is not new because people do it daily. You can lend it to a friend, a family member, or even your driver. No matter who you lend it to, you are still liable for anything that happens while they are driving your car. If you live in Jacksonville, FL, 925 Partners has you covered if someone else is driving your car and they get into an accident.

If you’re the car’s owner, your insurance will cover any damage when someone else is behind the wheel. However, there are a few exceptions to this rule.

Your insurance policy will not cover the accident if:

  • The other driver is not listed on your policy 
  • They take your car without your permission
  • They are driving your vehicle for business purposes 
  • If the other driver is under the influence of drugs or alcohol
  • If the driver doesn’t have a valid driver’s license
  • If the other driver has their own insurance policy, their insurance company will cover them

With all these exceptions, it’s essential to carry out due diligence before loaning your car to anyone. You could be held liable if someone uses your car and gets into an accident, even if you weren’t the one driving.

If you have questions about whether or not your insurance will cover the other driver in your accident, it’s best to speak with an agent directly. At 925 Partners, we help you understand how your insurance coverage works so you know what to expect in case of an accident. If you’re in Jacksonville, FL, contact us for all your auto insurance needs and concerns.

What’s Driving Auto Rates?

Auto insurers dealing with the “pandemic price”

Across seemingly every news outlet, it’s hard to escape reports of inflation and rising consumer prices.

And, like other goods and services across the economy, auto insurance rates are a part of the conversation. Currently, many carriers are raising prices to account for unexpected costs—but what’s driving those decisions?

You guessed it. It’s primarily pandemic related, but perhaps not in the ways you might think. As you have conversations with your clients about rising auto insurance costs, the following may help you better explain what’s driving rates to help them better understand the situation.

A return to “normal”

Of course, we’re hardly back to “normal” as the world continues to wrestle with the pandemic, but driving behavior, particularly vehicle miles traveled, has essentially “normalized” and returned to pre-pandemic levels.

At the outset of the pandemic, miles driven dropped, claims fell, and insurers issued refunds/credits, lowered rates, or both. As 2021 unfolded, driving behavior picked up as did claims frequency and, in turn, insurers’ costs.Most auto insurers subsequently found themselves underpriced.

Rising repair and replacement costs

For insurers the past predicts the future. Generally speaking, insurers review historical data and trends to set prices for future expected costs. The pandemic, however, upended expected repair and replacement costs in ways that were challenging to anticipate. Case in point: unpredictable pandemic-related supply chain disruptions and labor shortages have driven claims costs up substantially.2

In fact, the Bureau of Labor Statistics reports that average expenditures for vehicle repairs have risen more than 4% over the last year, while used car and truck prices have skyrocketed by more than 40% over the same period.3

When you combine the uptick in vehicle miles driven and the related increase in claims with rising costs to cover those claims, carriers are paying a “pandemic price” that will affect rates throughout the auto insurance industry in the near term.

How agents can help

Knowledge is power, and while rate increases can be difficult for consumers to accept, as their trusted, expert adviser, you can provide valuable information and context to help your clients understand what’s driving these rate changes.

Consumers choose independent agents for their knowledge and guidance, and in challenging times like these, agents can help clear up confusion, provide expert counsel, and deliver the peace of mind consumers crave in uncertain times.

  1. U.S. Federal Highway Administration, Vehicle Miles Traveled, Monthly Report: June 2021.
  2. Insurance Information Institute, “Auto Insurance Rates Impacted By Labor Crunch, Supply Chain Disruptions,” June 2021.
  3. U.S. Bureau of Labor Statistics, Consumer Price Index, Table 2: July 2021.
  4. Manheim, Used Vehicle Value Index: June 2021.

Article written by: Keith J. Mita, CIC CPCU AICProgressive Insurance Sr. Sales Representative – Personal Lines

When should you review your auto policy

Insurance of most types is not static. It is not something you just buy and never have to think about again. When changes happen in your life, insurance needs to be reviewed and auto insurance is not an exception. When your auto insurance renews, you will get a declaration that gives you all the pertinent information about your particular policy. At 925 Partners in Jacksonville, FL, we have a team of professionals with years of insurance knowledge and experience ready to give you the service you expect from your local independent insurance agency. 

Yearly review

When you get your policy declaration don’t just throw it away or file it away, actually read it. Look at the coverage you have. Check the amount of liability coverage you have and the other coverage as well. Has one of your vehicles outlived its need for comprehensive and collision coverage?  Do you have complete glass coverage and towing?  What is your deductible? If you have questions, call your insurance agent. 

You add a teen driver

When your children start to drive, it may be time to take a good look at the coverage you have and maybe upgrade it. 

When you add or remove a vehicle

When you replace a vehicle on your auto insurance policy, you may not want the exact coverage you had on a previous vehicle depending on the age and type of vehicle. 

Take a look at your deductible

Before your insurance kicks in, you need to pay a deductible out of pocket. The higher your deductible the lower your premium. If your deductible is $500, you may want to consider raising it to $1000. Especially if you will rarely use your policy, it can end up saving you money to choose the higher deductible. 

Contact 925 Partners in Jacksonville, FL when you have auto insurance questions and needs. 

Important Auto Insurance Facts Florida Drivers May Not Be Aware Of

925 Partners assists Jacksonville, FL residents by offering multiple types of insurance coverage. We provide our clients with custom policies designed to meet their individual needs. We have positive working relationships with over 60 carriers throughout the country.

Important Auto Insurance Facts

Driving is a way to express yourself. However, that freedom comes with responsibility. There are many risks associated with driving due to the conditions of the road and other drivers. That’s why auto insurance is so important. Auto insurance covers your vehicle if you are involved in an accident or if your vehicle is stolen. Liability coverage protects your vehicle if you drive with a passenger in the vehicle and suffer injuries. While you are researching policies, here are some important auto insurance facts to be aware of.

If you plan to use your personal vehicle for business-related endeavors, you will have to amend your policy. If you are involved in a collision while working, you will not be covered unless you have a commercial policy.

You can add coverage to protect your vehicle while it is in storage and you aren’t using it. Accidents can happen at any time. A natural disaster can pass through Jacksonville, FL, and cause serious damage. If your vehicle is damaged, you can have peace of mind.

Any personal items in your vehicle are not covered if they are stolen unless you amend your policy. You should also consider adding extra coverage if you plan to install some special parts or accessories on your vehicle. This protects your vehicle if you are involved in a collision after adding the new amenities.

925 Partners Will Help You Stay Safe On The Road

For more information on auto insurance, visit our website today!  

What Type of Auto Insurance Covers Vandalism?

Auto insurance covers several types of occurrences. Theft and vandalism can occur at any time or place. The agents at 925 Partners offer residents in Jacksonville, FL a full line of auto insurance policies so they can purchase exactly what they need. Each agent can explain what type of policy is best for your vehicle and what kind of coverage is offered by each one. Florida requires that insurance be carried on all vehicles driven on public highways to ensure that all residents are protected from financial loss.

Comprehensive Covers It All

Comprehensive is the only type of full-coverage offered when it comes to auto insurance. Comprehensive insurance covers both theft and vandalism. Other policies only cover damage that is related to an accident or collision. Comprehensive policies are designed to compensate you (or your lender) in case your care is damaged in any way.

Damage Caused by Theft

Theft and vandalism often go hand in hand. If your car is broken into, there will more than likely be some type of damage. Damage can also be caused if your care is stolen. In either case, the only way to receive compensation for your damages is to have a full-coverage, comprehensive auto insurance policy in place.

At 925 Partners, the agents offer Jacksonville, FL residents the type of auto insurance policies they need to protect their vehicles adequately. Having full coverage on a newer car is essential and often required by your lending institution. Call and talk to one of the agents today to find out what type of policy is best for you. You can also schedule an appointment and visit our office for a policy review. 

What does a comprehensive auto policy cover

Owning a vehicle in Jacksonville, FL comes with plenty of challenges. One of them should not be your auto insurance. The team at 925 Partners is here to make sure that you have the coverage that you need to not only meet the basic Florida requirements but to make sure you and your vehicle are protected. Most people would assume that a comprehensive auto policy would cover everything that could possibly happen to your vehicle, but this is one case where the name of coverage is not clear evidence of what it actually does for you. 

Comprehensive auto coverage

Comprehensive auto insurance is sometimes called "other than collision coverage." Collision insurance covers your vehicle when it is in an accident with another vehicle. But there are many other things that can damage or destroy your vehicle. Unfortunately, deer and other large animals risk colliding with vehicles in rural areas. If you have comprehensive coverage, you will be able to get your vehicle repaired or replaced. 

Weather is a major factor all over the country and Florida is no exception. Heavy winds caused by hurricanes can topple trees and send debris flying. In the event that your car happens to be in the way, it will be covered. Florida also experiences hail and it can also damage your car. Your comprehensive coverage will help get your vehicle repaired. 

One major thing that comprehensive insurance covers is theft. If your vehicle is stolen, you will have the coverage you to need to replace it. 

When you are ready to purchase auto insurance or you would like to discuss your current policy, our team at 925 Partners is ready to help out. Stop by our Jacksonville, FL office or give us a call and let us make sure that you have the coverage that you need. We will gladly give you a no-obligation quote.


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