The preferred way to find low-cost prices for auto insurance rates is to regularly compare quotes from insurance carriers that sell auto insurance in Jacksonville. You can compare rates by following these guidelines.
- Step 1: Get an understanding of the coverage provided by your policy and the changes you can make to drop your rates. Many rating criteria that result in higher rates such as your driving record and an unacceptable credit history can be remedied by improving your driving habits or financial responsibility.
- Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for many different companies.
- Step 3: Compare the new rate quotes to your existing policy to see if a cheaper price is available. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
- Step 4: Notify your agent or company to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new insurance company. Immediately upon receiving it, place your new certificate verifying proof of insurance in an easily accessible location.
One key aspect when comparing rates is to use the same liability limits and deductibles on every quote and and to get rates from every company you can. This guarantees the most accurate price comparison and the best rate selection.
Inconceivable but true, the vast majority of consumers have purchased from the same company for at least four years, and practically 40% of insurance customers have never quoted insurance rates at all. The average driver in the U.S. could save up to $850 each year, but they think it’s difficult to shop their coverage around.
Companies offering low-cost Audi S8 rate quotes in Jacksonville, FL
The companies shown below have been selected to offer free rate quotes in Jacksonville, FL. If multiple providers are shown, we recommend you compare several of them to get the most affordable price.
Determine discounts to get cheap Jacksonville insurance rates
Some insurers don’t always list every policy discount in an easy-to-find place, so the list below contains a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy Jacksonville auto insurance online.
- Senior Citizen Rates – Seniors could receive lower premium rates.
- Save with a New Car – Buying coverage on a new vehicle can save up to 30% because newer models have to meet stringent safety requirements.
- Service Members Pay Less – Being deployed in the military could be rewarded with lower prices.
- Jacksonville Homeowners Discount – Owning a home in Jacksonville can get you a discount because of the fact that having a home is proof of financial responsibility.
- Theft Deterrent Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
You should keep in mind that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way.
A list of companies and some of the discounts include:
- State Farm has discounts for safe vehicle, student away at school, accident-free, Drive Safe & Save, good driver, good student, and multiple autos.
- Progressive includes discounts for online quote discount, online signing, continuous coverage, good student, and homeowner.
- Progressive may have discounts that include continuous coverage, good student, homeowner, online signing, multi-policy, multi-vehicle, and online quote discount.
- MetLife has savings for accident-free, defensive driver, multi-policy, good driver, good student, claim-free
- Farm Bureau may offer discounts for 55 and retired, multi-vehicle, youthful driver, renewal discount, good student, driver training, and safe driver.
- GEICO policyholders can earn discounts including good student, emergency military deployment, anti-theft, daytime running lights, air bags, and driver training.
- SAFECO offers discounts for anti-theft, homeowner, teen safety rewards, safe driver, bundle discounts, accident prevention training, and anti-lock brakes.
Before you buy a policy, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in every state. To see a list of companies who offer discounts in Jacksonville, click here to view.
How Your S8 Insurance Costs are Determined
Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, but other criteria are not as apparent like where you live and annual miles driven. It’s important that you understand some of the things that come into play when calculating the rates you pay for car insurance. When consumers understand what impacts premium levels, this enables you to make decisions that could result in lower car insurance prices.
Cheap rates for being claim-free – If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Car insurance companies in Florida generally give most affordable rates to insureds who are not frequent claim filers. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
Cheaper rates with high physical damage deductibles – Deductibles for physical damage tell how much you are required to pay before a claim is paid by your company. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, vandalism, and damage from wind. The higher the amount the insured has to pay upfront, the lower your rates will be.
Cars with good safety ratings save money – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates directly to fewer claims and lower rates for you.
Compare rates if you bundle your policies – Most major car insurance companies provide better rates to people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s in your best interest to compare Audi S8 rates in Jacksonville to verify if the discount is saving money.
Audi S8 claim statistics – Companies take into consideration insurance loss statistics for every vehicle when setting premium costs. Vehicles that tend to have higher claim amounts or frequency will be charged more to insure. The next table illustrates the insurance loss data used by companies for Audi S8 vehicles.
For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 suggest losses that are better than average, while numbers above 100 indicate higher probability of having a loss or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Audi S8 4dr 4WD | 288 | 266 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance quotes from local neighborhood Jacksonville car insurance agents
Some people would rather buy from a licensed agent. Good agents are very good at helping people manage risk and help file insurance claims. An additional benefit of comparing insurance online is the fact that you can find cheap insurance quotes and also buy local. And buying from neighborhood agents is definitely important in Jacksonville.
For easy comparison, once you complete this short form, your coverage information gets sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. You won’t even need to leave your computer since rate quotes are delivered to the email address you provide. In the event you want to get a comparison quote from a particular provider, you just need to jump over to their website and complete a quote there.
What types of car insurance agents are in Jacksonville?
If you want a reliable agent, it can be helpful to understand the types of agencies and how they can quote your rates. Insurance agencies in Jacksonville are categorized either exclusive or independent (non-exclusive). Both can sell insurance policies, but it’s worth learning how they are different since it can impact which type of agent you select.
Independent Agents (or Brokers)
Agents in the independent channel are not locked into one company so they can quote policies through many companies and get the cheapest rates. If they find a lower price, they simply move the coverage in-house which makes it simple for you.
When comparing insurance prices, you should always include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Below are Jacksonville independent insurance agencies who may be able to give you free insurance quotes.
All Lines Insurance Agency
4828 Blanding Blvd Suite 1 – Jacksonville, FL 32210 – (904) 376-7200 – View Map
Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map
Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map
Exclusive Insurance Agencies
Exclusive agents can only quote rates from one company like AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare other company’s rates so they have no alternatives for high prices. These agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Shown below is a short list of exclusive agencies in Jacksonville who can help you get price quote information.
Ray Moore – State Farm Insurance Agent
109 New Berlin Rd – Jacksonville, FL 32218 – (904) 751-6643 – View Map
Kathy Scott – State Farm Insurance Agent
6018 San Jose Blvd – Jacksonville, FL 32217 – (904) 730-3665 – View Map
Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422 – View Map
Finding the right insurance agency is decision based upon more than just a low price. Any agent in Jacksonville should be willing to answer these questions.
- Is the quote a firm price?
- How does the company pay claims for a total loss?
- Is every driver in your family covered?
- Is the agent properly licensed in Florida?
- Are claim adjusters local or do you have to take your car somewhere else?
One last thing about your coverage
In this article, we covered some good ideas how you can save on Audi S8 insurance in Jacksonville. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding cheaper Jacksonville auto insurance quotes. You may even be surprised to find that the best price on insurance is with an unexpected company. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.
When getting Jacksonville auto insurance quotes online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice full coverage and learned later they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find for the lowest price.
Additional insurance information is located on the following sites:
- Safe Vehicles for Teens (iihs.org)
- Who Has the Cheapest Auto Insurance for 4×4 Vehicles in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Honda CR-V in Jacksonville? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- Teen Driver Statistics (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)