Are you burned out from scraping nickels together to keep your car insured? You are in the same boat as millions of other vehicle owners.

Unbelievable but true, about 70% of customers kept their coverage with the same auto insurance company for at least the last four years, and nearly the majority have never taken the time to shop around. The average driver in Jacksonville Beach can save almost $1,130 each year by just comparing quotes, but they just don't understand how much savings they would realize if they moved their coverage to a different company. Having so many different company options, it is very difficult to locate a more affordable auto insurance provider.

Insurance discounts are available to get cheap rates

Some providers don't always list the entire discount list in an easy-to-find place, so we took the time to find both the well known as well as some of the hidden credits that may apply to you. If you're not getting every credit you qualify for, you are paying more than you should be.Insurance discounts

Please keep in mind that some credits don't apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.

A few of the larger companies and a partial list of their discounts are detailed below.

If you need lower rates, check with every insurance company the best way to save money. All car insurance discounts may not apply to policyholders in Jacksonville Beach. If you would like to see a list of insurance companies who offer online insurance quotes in Jacksonville Beach, follow this link.

Finding cheap Jacksonville Beach insurance rates isn't really that difficult. The only requirement is to spend a few minutes on the computer getting comparison quotes online with multiple companies.

Online shopping is fast and free, and it takes the place of having to spend your day driving to insurance agencies in your area. The fact that you can get quotes online eliminates this option unless you want the personal advice of a licensed agent. Drivers can price shop your coverage online but have a local Jacksonville Beach agent actually write the policy.

The companies shown below can provide quotes in Jacksonville Beach, FL. To locate cheaper car insurance in Florida, we recommend you visit several of them to find the lowest car insurance rates.

Insurance Costs for Popular Vehicles in Jacksonville Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 4WD $1,208 $604 $101
Dodge Ram Crew Cab TRX 2WD $1,436 $718 $120
Ford Edge SEL 2WD $1,268 $634 $106
Ford Escape XLS 4WD $914 $457 $76
Ford F-150 Lariat Crew Cab Platinum 2WD $1,504 $752 $125
Ford Focus SES 4-Dr Sedan $1,344 $672 $112
GMC Sierra Denali Crew Cab 4WD $1,940 $970 $162
Honda Accord LX-P 4-Dr Sedan $836 $418 $70
Honda CR-V EX 4WD $1,242 $621 $104
Honda Civic LX-S 4-Dr Sedan $1,486 $743 $124
Honda Odyssey EX-L $1,738 $869 $145
Jeep Grand Cherokee Laredo 4WD $1,480 $740 $123
Jeep Wrangler Sport 4WD 2-Dr $850 $425 $71
Nissan Altima 3.5 SR 4-Dr Sedan $1,428 $714 $119
Toyota Camry Hybrid $1,110 $555 $93
Toyota Corolla LE $1,466 $733 $122
Toyota Prius $1,064 $532 $89
Toyota RAV4 Sport 4WD $990 $495 $83
Get Your Own Custom Quote Go

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Jacksonville Beach which can raise or lower rates noticeably.

Deductible comparison

The example below illustrates how choosing a deductible and can influence Toyota Corolla annual premium costs for different age groups. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

How violations and accidents impact rates

The example below demonstrates how speeding tickets and at-fault collisions can raise Honda Pilot insurance costs for different age categories. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The rates shown below approximate the rate difference between high and low comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $358 $648 $418 $24 $124 $1,597 $133
Camry SE $358 $764 $418 $24 $124 $1,713 $143
Camry XLE $358 $764 $418 $24 $124 $1,713 $143
Camry Hybrid $406 $764 $472 $28 $142 $1,837 $153
Get a Quote for Your Vehicle Go
Toyota Camry insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $200 $342 $418 $24 $124 $1,108 $92
Camry SE $200 $402 $418 $24 $124 $1,168 $97
Camry XLE $200 $402 $418 $24 $124 $1,168 $97
Camry Hybrid $224 $402 $472 $28 $142 $1,268 $106
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in vehicle location which can modify coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $45 more each month or $540 a year than selecting the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claims, you would save money by selecting a higher deductible.

Compare car insurance rates regularly to save

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

You just learned many ways to lower your car insurance premium rates in Jacksonville Beach. It's most important to understand that the more providers you compare, the higher the chance of saving money. Drivers may even discover the lowest priced car insurance comes from a smaller regional carrier. Regional companies can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.

More tips and info about car insurance is located in the articles below: