Are you tired of trying to find the cheapest Honda CR-V insurance in Jacksonville? Paying for overpriced Honda CR-V insurance in Jacksonville can stress out your funds and force you to cut corners elsewhere. Doing a rate comparison is free and is an excellent way to lower your monthly bill.
Surprisingly, a recent survey revealed that a large majority of drivers have purchased from the same company for a minimum of four years, and nearly 40% of drivers have never quoted auto insurance rates at all. Many consumers in Florida could save an average of up to 55% each year by just comparing quotes, but they just assume it takes a lot of time to compare rate quotes. Multiple insurers compete to insure your vehicles, so it can be very hard to choose a provider to find the absolute best rates possible on Honda CR-V insurance in Jacksonville.
You should take the time to take a look at other company's rates quite often because prices change frequently. Just because you found the lowest rate on Honda CR-V insurance in Jacksonville at your last renewal you will most likely find a better premium rate today. Ignore everything you know about auto insurance because I'm going to teach you the right way to properly buy coverages and cut your premium.
Save money with these ten money saving discounts
Insuring your fleet can be pricey, but you might be missing out on some discounts to help offset the cost. Some discounts apply automatically when you complete an application, but some need to be asked for before being credited.
- Telematics Discount - Drivers who elect to allow their car insurance company to analyze when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate's Drivewise system could save a few bucks if they are good drivers.
- Anti-lock Brake Discount - Cars equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
- Life Insurance - Larger insurance companies have a discount if you purchase a life policy as well.
- Lower Rates for Military - Having an actively deployed family member could trigger a small discount.
- Government Employee Discount - Having worked for a branch of the government may reduce rates when you quote Jacksonville car insurance but check with your company.
- Good Grades Discount - Being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
- Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts may qualify for discounts of up to 25% or more.
- Distant Student - Any of your kids living away from Jacksonville attending college and do not have a car may be able to be covered for less.
- Use Seat Belts - Drivers who require all vehicle occupants to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Driver's Ed - Teen drivers should enroll and complete driver's education in school.
Policy discounts save money, but many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky.
A few of the larger companies and a partial list of their discounts are detailed below.
- State Farm discounts include driver's education, anti-theft, multiple autos, Steer Clear safe driver discount, and defensive driving training.
- GEICO includes discounts for anti-lock brakes, emergency military deployment, daytime running lights, federal employee, and multi-policy.
- Progressive may include discounts for multi-vehicle, multi-policy, online signing, good student, and homeowner.
- 21st Century has discounts for student driver, 55 and older, air bags, early bird, defensive driver, driver training, and theft prevention.
- American Family offers discounts for defensive driver, accident-free, multi-vehicle, good student, and good driver.
- The Hartford may offer discounts for good student, anti-theft, bundle, vehicle fuel type, air bag, defensive driver, and driver training.
- AAA may have discounts that include good student, pay-in-full, multi-policy, AAA membership discount, and good driver.
Double check with every company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in Jacksonville. To locate providers that offer some of these discounts in Florida, click here to view.
The quickest way to get policy rate comparisons for Honda CR-V insurance in Jacksonville is to take advantage of the fact most of the bigger providers will pay a fee to provide you with a free rate quote. To start a quote, the only thing you need to do is give the companies some data such as if the car is leased, whether you drive to work or school, what your job is, and how much you drive. That rating information gets transmitted to multiple car insurance providers and you should receive rate quotes with very little delay.
If you would like to compare rates now, click here and find out if you can get cheaper insurance in Jacksonville.
The companies shown below offer quotes in Jacksonville, FL. If more than one company is shown, it's highly recommended you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$304||$522||$362||$22||$108||$1,318||$110|
|CR-V EX 2WD||$168||$276||$362||$22||$108||$936||$78|
|CR-V LX 4WD||$196||$352||$372||$22||$112||$1,054||$88|
|CR-V EX 4WD||$368||$446||$464||$28||$140||$1,446||$121|
|CR-V EX-L 2WD||$276||$442||$334||$20||$100||$1,172||$98|
|CR-V EX-L 4WD||$256||$414||$430||$26||$128||$1,254||$105|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can revise premiums noticeably.
Physical damage deductible comparison
The information below demonstrates how choosing different deductibles and can change Honda CR-V insurance premiums for different age categories. The information is based on a single female driver, comp and collision included, and no additional discounts are factored in.
Comparing rates from local Jacksonville insurance agents
Some consumers just want to go talk to an agent and we recommend doing that Good agents will help you protect your assets and help you file claims. The best thing about price shopping on the web is the fact that drivers can get cheap rate quotes and also buy local. Buying from local agents is important especially in Jacksonville.
To find an agent, once you fill out this short form, your insurance coverage information is submitted to agents in your area who will give competitive quotes for your car insurance coverage. It's much easier because you don't need to contact any insurance agencies as quotes are delivered to the email address you provide. If you need to compare rates for a specific company, you would need to visit that company's website and fill out their quote form.
Different types of auto insurance agents in Jacksonville
If you're trying to find a local Jacksonville insurance agent, you should know the different types of agencies from which to choose. Jacksonville agents may be either exclusive agents or independent agents. Either one can insure your vehicles, but it's worth learning the differences because it can impact the kind of agent you use.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel do not have single company limitations so as a result can place your coverage with an assortment of companies depending on which coverage is best. If they find a cheaper price, the business is moved internally and the insured can keep the same agent.
When comparison shopping, you need to contact a few independent agents to have the most options to choose from.
Featured below are independent agencies in Jacksonville that may be able to give pricing information.
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company such as American Family, State Farm, and Allstate. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point.
Shown below are exclusive agents in Jacksonville that are able to give comparison quotes.
Picking a car insurance agent should depend on more than just a cheap quote. These are valid questions to ask:
- Is there a local claims center in Jacksonville?
- Can they help ensure a fair claim settlement?
- When do they do policy reviews?
- Can you choose the body shop in case repairs are needed?
- If you raise deductibles, how much can you save?
- Are they involved in claim handling?
- Is coverage determined by price?
After you get answers to your satisfaction to these questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that is reliable enough to insure your vehicles. Just understand that you can cancel a policy whenever you want so don't think that you're stuck with any specific company indefinitely.
Why auto insurance is not optional
Despite the high insurance cost for a Honda CR-V in Jacksonville, paying for auto insurance may not be optional for several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to license the vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a loan, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is cancelled, the bank will be required to insure your Honda at a significantly higher premium and force you to pay for it.
Third, insurance protects both your Honda and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your Honda gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your CR-V definitely exceed the cost, particularly for liability claims. An average driver in America is wasting up to $855 a year so it's very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.
Car insurance coverage basics
Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.
This coverage can cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 10/20/10 that translate to $10,000 bodily injury coverage, a total of $20,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as court costs, loss of income, emergency aid and repair bills for other people's vehicles. How much coverage you buy is a personal decision, but it's cheap coverage so purchase higher limits if possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing higher limits.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, EMT expenses, X-ray expenses, prosthetic devices and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Honda CR-V.
Since many Florida drivers carry very low liability coverage limits (10/20/10 in Florida), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.
This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from getting keyed, rock chips in glass and theft. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.
This coverage pays for damage to your CR-V caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as damaging your car on a curb, driving through your garage door, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible on your CR-V to get cheaper collision coverage.
Lower rates by being persistent
While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at a price you can afford.
Lower-priced insurance in Jacksonville is possible from both online companies and from local insurance agents, so get free Jacksonville car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer the ability to get quotes online and many times these regional carriers sell through independent agencies.
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