One of the many considerations that determine car insurance rates is your zip code in Jacksonville. Areas with more people or even just a higher incidence of claims tend to pay slightly more, whereas less populated areas tend to receive cheaper rates.
The next table lists the most expensive cities in Florida for teachers to buy auto insurance in. Jacksonville is listed at #19 with an annual cost of $2,040 for car insurance, which is about $170 each month.
|7||West Palm Beach||$2,599|
|20||Port St. Lucie||$1,916|
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Price information shown is approximated as the specific zip code location can decrease or increase premiums greatly.
Deciding which companies have the most affordable insurance rates for teachers may require a bit more effort in order to find the best policy.
Each auto insurance company uses a little different formula for setting prices, so let’s take a look at the most competitive insurance companies in Florida. It’s important that readers know that Jacksonville, FL insurance rates are calculated based on many things that will increase or decrease the price of your policy. Improving your credit rating, having a teen driver, or getting a DUI may generate price changes that can make some companies cheaper than competitors.
Compare Cheap Insurance Quotes for Educators
|Rank||Company||Cost Per Year|
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USAA offers some of the cheapest car insurance rates in Jacksonville at around $948 a year. Electric, Amica, Progressive, and Travelers also are some of the cheapest Jacksonville, FL auto insurance companies.
As shown above, if you are insured with Travelers and switched to Electric, you might achieve savings of approximately $157. Drivers with Mercury might save as much as $280 a year, and Allied policyholders might lower prices by $292 a year.
These prices are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific location for teachers. So the insurer that can offer you the lowest price may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own driver and vehicle profiles.
The vehicle you are trying to insure is probably the largest consideration in finding the best insurance for teachers. Vehicles with average performance, a great safety record, or a track record of few liability claims will cost less to insure than adrenaline junky models. The information below showcases car insurance prices for the most affordable vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,222|
|Ford Escape XLT 4WD||$1,251|
|Chevrolet Equinox LT AWD||$1,322|
|Nissan Altima 2.5 4-Dr Sedan||$1,331|
|Toyota RAV4 Sport 2WD||$1,322|
|Chevrolet Malibu LT||$1,346|
|Hyundai Elantra SE Touring Station Wagon||$1,363|
|Toyota Camry XLE||$1,394|
|Chevrolet Impala LS||$1,417|
|Ford Edge SEL 2WD||$1,422|
|Jeep Grand Cherokee SRT-8 4WD||$1,417|
|Chevrolet Silverado LT Extended Cab 2WD||$1,427|
|Ford F-150 Lariat King Ranch 4WD||$1,444|
|Ford Focus S 4-Dr Sedan||$1,455|
|Ford Explorer Limited 4WD||$1,475|
|Dodge Grand Caravan SXT||$1,480|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,475|
|Kia Optima SX||$1,513|
|Honda Accord EX-L 2-Dr Coupe||$1,518|
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in Jacksonville, FL location which can alter premium rates greatly.
By looking at the data, we can presume that makes and models like the Honda CR-V, Ford Escape, and Chevrolet Equinox will be some of the cheapest vehicles to insure for teachers and educators.
The diagram below demonstrates how deductibles can influence yearly insurance costs when trying to find cheap insurance for teachers. The prices are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
The data above shows that a 50-year-old driver could pocket $448 a year by switching from a $100 deductible up to a $500 deductible, or save $674 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save up to $1,148 or even more just by choosing higher deductibles. If you make the decision to raise deductibles, it is necessary to have enough savings set aside to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Get discount Jacksonville insurance
Car insurance companies that offer coverage for teachers may also provide discounts that could potentially reduce rates by 35% or more if you are eligible for them. A list of companies and their possible discounts can be found below.
- Esurance has savings for safety device, online quote, paid-in-full, multi-policy, and good student.
- The Hartford includes discounts for air bag, vehicle fuel type, driver training, anti-theft, good student, bundle, and defensive driver.
- AAA offers discounts for good student, multi-policy, AAA membership discount, education and occupation, and anti-theft.
- GEICO offers discounts including multi-vehicle, military active duty, good student, membership and employees, daytime running lights, federal employee, and anti-lock brakes.
- State Farm may offer discounts for good driver, defensive driving training, passive restraint, Steer Clear safe driver discount, good student, and accident-free.
The illustration below shows the difference between insurance prices with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims, a clean driving record, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, multiple vehicle, defensive driving course, claim-free, accident-free, and anti-theft discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for teachers is 28% or $625.
Cautious Jacksonville drivers save money
In a perfect world, the best way to find the best insurance prices in Jacksonville for teachers and educators is to be a careful driver and avoid accidents and traffic violations. The information below illustrates how traffic citations and fender-benders increase insurance rates for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance in Jacksonville per year with no violations or accidents is $2,619. Factor in one speeding ticket and the average cost increases to $2,954, an increase of $335 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for teachers jumps again to an average of $3,898. That’s an increase of $1,279, or $107 per month, just for not keeping your driving record clean!
Tips for finding low-cost car insurance for teachers
The list below summarizes some of the recommended penny-pinching suggestions that can help Florida drivers get lower-cost coverage.
- Having at-fault accidents will increase rates
- Better credit rating means better rates
- Save money by observing traffic laws and speed limits
- Try to not file small claims
- Vehicles with good safety ratings are usually cheaper to insure
- Shop around for cheaper prices often
The last suggestion is particularly valuable, as we stressed in the prior article. Car insurance rates adjust frequently, so you should be ready to buy a policy from a new company if you can save money. Brand loyalty is great, but is isn’t recommended if that loyalty results in overpaying potentially thousands of dollars a year. In less than five minutes you could shop around and find cheaper auto insurance for teachers in Jacksonville.
The insurance agents in Jacksonville listed below can probably provide answers to your questions and help you determine which insurance coverage will be best for you, since some people have coverage questions and would like to get some guidance when trying to find the best insurance rates for teachers. It’s not always simple to find the cheapest rates, and a professional agent can give you peace of mind knowing your policy gives you adequate protection in case of an accident or claim.
To locate a Jacksonville insurance agent using an interactive map, click the button after the list or click here to compare rates now.
A and B Insurance Agency, Inc
2153 Blanding Blvd – Jacksonville, FL 32210 – (904) 388-6446
Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336
Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829