Nobody I know fancies paying their premiums for car insurance, in particular when the prices are way too high.

Sad but true, 70% of consumers have been with the same company for over three years, and just short of a majority have never even compared quotes to find cheaper rates. With the average car insurance premium being $1,847, American drivers could cut their rates by up to 47% a year by just shopping around, but they don't want to take the time to do a rate comparison.

Lots of insurance companies contend for your insurance dollar, so it's not easy to compare every company to get the best price available on car insurance.

You should take the time to price shop coverage periodically since prices tend to go up over time. Just because you found the lowest rate on car insurance last year there is a good chance you can find better premium rates now. Block out anything you think you know about car insurance because you're about to find out one of the easiest ways to buy cheaper car insurance.

If you have insurance now, you will definitely be able to find the best rates using the concepts you're about to learn. Choosing the best rates in Jacksonville is not that difficult. But Florida vehicle owners do need to understand the methods companies use to determine what you pay because it can help you find the best coverage.

How to compare Jacksonville auto insurance quotes

All the larger auto insurance companies such as Progressive, Allstate and GEICO provide insurance quotes on the web. Getting online rates is fairly simple as you simply enter the coverage amounts you desire as detailed in the form. When the form is submitted, the quote system makes automated requests for your driving record and credit report and gives you a price quote based on many factors. The ability to get online rate quotes makes comparing rates easy, and it's absolutely necessary to have as many quotes as possible in order to find the lowest auto insurance rates.

To save time and find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with coverages and limits identical to your current policy. Doing this assures you will have an apples-to-apples comparison using the same coverage and limits.

The providers in the list below offer quotes in Florida. If multiple companies are listed, it's a good idea that you get prices from several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Jacksonville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $1,158 $579 $97
Dodge Ram Quad Cab Sport 4WD $1,674 $837 $140
Ford Escape XLS 2WD $1,076 $538 $90
Ford F-150 XLT Regular Cab 4WD $1,674 $837 $140
Ford Focus SE 4-Dr Sedan $1,248 $624 $104
Honda Accord EX-L 2-Dr Coupe $1,442 $721 $120
Honda CR-V EX-L 4WD $1,242 $621 $104
Honda Civic SI 2-Dr Coupe $1,534 $767 $128
Kia Optima SX $1,692 $846 $141
Mazda 3 I SV 4-Dr Sedan $1,264 $632 $105
Nissan Altima 2.5 S 4-Dr Sedan $1,572 $786 $131
Toyota Camry LE $1,258 $629 $105
Toyota Corolla S $1,344 $672 $112
Toyota Prius $1,046 $523 $87
Toyota Tacoma 2WD $1,440 $720 $120
Get Your Own Custom Quote Go

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in vehicle location which can change premiums significantly.

Can higher deductibles save money?

The illustration below illustrates how choosing a deductible and can impact Ford F-150 insurance premiums for different age categories. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Liability only or full coverage

The illustration below illustrates the difference between Ford Escape premium costs with full phyical damage coverage and with liability coverage only. The data is based on no violations or accidents, $1,000 deductibles, single female driver, and no other discounts are factored in.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no exact formula that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's say your Ford Escape book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $5,000 after the policy deductible has been paid. If it's costing you more than $500 a year for physical damage coverage, then it could be time to drop full coverage.

There are some scenarios where only buying liability is not in your best interest. If you haven't paid off your loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

Annual premiums comparing men and women

The chart below compares yearly insurance costs for male and female drivers in Jacksonville. The prices are based on no claims, a clean driving record, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in on a Hyundai Sonata GLS.

Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Check for these discounts on insurance

Insurance can be pricey, but there are discounts available that may help make it more affordable. Some discounts will apply at the time of quoting, but a few must be inquired about before being credited.Save money with discounts

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, that's just not realistic.

A list of companies and their possible discounts are shown below.

When comparing rates, check with each insurance company to apply every possible discount. Savings may not apply to policyholders in your area.

Seven tips to get lower Jacksonville auto insurance costs

Lots of things are used in the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are not as apparent such as your marital status or your vehicle rating. Consumers need to have an understanding of some of the factors that are used to determine your premiums. If you have a feel for what determines base rates, this enables informed choices that will entitle you to lower premium levels.

The following are a few of the things companies use to determine your rates.

Driving citations mean higher premiums - Just one ticket can increase rates by as much as thirty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have serious violations like DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 form with their state in order to legally drive a vehicle.

High performance equals high prices - The type of vehicle you drive makes a significant difference in your rates. Economy passenger models normally have pretty low rates, but other factors influence the final cost greatly.

Improve your credit score - An insured's credit score will be a significant factor in calculating your premium rate. So if your credit score leaves room for improvement, you could potentially save money when insuring your vehicle if you clean up your credit. Drivers with high credit scores tend to be less risk to insure as compared to drivers with worse credit.

Do you have a stressful job? - Did you know that where you work can have an impact on rates? Jobs such as military personnel, executives and financial analysts generally have higher rates than the rest of us because of stressful work requirements and extremely grueling work hours. On the other hand, careers such as professors, students and performers pay lower than average rates.

You may save more by combining policies - Many companies provide discounts to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you already get this discount, it's still a good idea to compare other company rates to help ensure you have the lowest rates. Drivers may still save even more even if you insure with multiple companies

Vehicles with better crash test results cost less to insure - Safe vehicles tend to have better insurance rates. These vehicles protect occupants better and fewer serious injuries translates directly to fewer claims which can mean better rates for you. If your car is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.

Discounts for alarm systems - Choosing a vehicle with a theft deterrent system can earn a premium discount. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your vehicle from being stolen.

Auto insurance agents can help

A lot of people would rather have an agent's advice and we recommend doing that An additional benefit of getting free rate quotes online is the fact that drivers can get better rates and still have an agent to talk to. And supporting neighborhood agents is definitely important in Jacksonville.

Insurance agency in JacksonvilleOnce you complete this simple form, your insurance coverage information is transmitted to insurance agents in Jacksonville who will return price quotes for your business. You don't have to contact any insurance agencies as quotes are delivered to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from one company in particular, don't hesitate to search and find their rate quote page and complete a quote there.

When looking for a reliable agent, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Agencies in Jacksonville can either be independent or exclusive depending on the company they work for.

Independent Agents

Independent agencies are appointed with more than one company and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. If they find a lower price, an independent agent can move your coverage without you having to go to a different agency. When comparing rate quotes, we recommend you get rate quotes from a few independent agents for the best price selection.

Listed below are Jacksonville independent insurance agents who may be able to give you free auto insurance rate quotes.


11893 New Kings Rd - Jacksonville, FL 32219 - (904) 764-3336 - View Map


7855 Argyle Forest Blvd #502 - Jacksonville, FL 32244 - (904) 783-3388 - View Map


8206 Philips Hwy - Jacksonville, FL 32256 - (904) 527-3029 - View Map

More insurance agents

Exclusive Agencies

Exclusive insurance agents can only write with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies receive a lot of sales training on what they offer which helps them compete with independent agents.

The following is a list of exclusive insurance agencies in Jacksonville that are able to give price quotes.


9310 Old Kings Rd S #1901 - Jacksonville, FL 32257 - (904) 737-0829 - View Map


3546 St Johns Bluff Rd S #109 - Jacksonville, FL 32224 - (904) 645-8880 - View Map


2325 Park St - Jacksonville, FL 32204 - (904) 425-4054 - View Map

More insurance agents

Finding a good car insurance agent should depend on more than just a cheap price quote. Before buying a policy in Jacksonville, get answers to these questions.

After talking to the agent and getting answers to your satisfaction to these questions in addition to an acceptable price estimate, you've probably found an insurance agency that meets the criteria to service your policy. But keep in mind once you purchase a policy you can cancel your coverage at any point so don't think that you are obligated to a specific agent for any length of time.

Car insurance claim statistics

Are you driving a vehicle that ranks well for claims? The statistics below outline the good and bad vehicle makes and models for the probability of having claims.

Liability Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Kia Rio
Acura MDX Mitsubishi Mirage
Fiat 500 Kia Optima
Chevrolet Corvette Dodge Charger
Subaru Forester Chrysler 200
Subaru Outback Hyndai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Vehicles with the Lowest and Highest Car Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Nissan Xterra Audi RS7
Jeep Wrangler Bentley Continental Flying Spur
Ford F-250 SuperCab Bently Continental GT
Ford Edge BMW 6 Series
Smart ForTwo Maserati Ghibli
Chevrolet Colorado Bently Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-350 SuperCrew Mitsubishi Lancer
Tesla Model S Mitsubishi Mirage
Ford F-250 SuperCrew Hyundai Accent
Chevrolet Corvette Kia Forte
Chevrolet Silverado 2500 Chrysler 200
Audi A4 Allroad Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark Audi S7
Infiniti QX50 BMW M6
Ford F-350 Bentley Continental GT
Smart ForTwo BMW M6
Volvo V60 Porsche Panamera GTS
Nissan Xterra Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

How much can you save?

We covered many ways to shop for auto insurance online. The key thing to remember is the more companies you get rates for, the higher your chance of finding cheaper Jacksonville car insurance quotes. You may even be surprised to find that the best prices are with a lesser-known regional company. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, never buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits to discover at claim time they didn't have enough coverage. The proper strategy is to buy the best coverage you can find at the best price, but don't skip important coverages to save money.

Lower-priced auto insurance in Jacksonville is definitely available online and with local Jacksonville insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide internet price quotes and usually these small, regional companies work with independent insurance agents.

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