If online auto insurance comparisons are new to you, you may be bewildered by the diversity of companies competing for your business.
How to find low-cost Chrysler Town and Country insurance in Jacksonville
The most effective way to get cheaper Chrysler Town and Country insurance is to compare quotes once a year from insurance carriers that sell auto insurance in Jacksonville.
- Step 1: Try to learn a little about how auto insurance works and the things you can change to keep rates in check. Many rating factors that cause rate increases like at-fault accidents, careless driving, and bad credit can be remedied by improving your driving habits or financial responsibility. This article gives more ideas to help prevent high rates and get discounts that may be available to you.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers. Get quotes now
- Step 3: Compare the price quotes to your existing rates and determine if cheaper Town and Country coverage is available. If you find a better price, ensure there is no coverage lapse between policies.
The key aspect of shopping around is that you’ll want to compare the same deductibles and limits on each quote request and to quote with every insurance company. This guarantees a level playing field and the best rate selection.
It’s an obvious assumption that car insurance companies don’t want their policyholders to compare prices. People who shop around once a year will most likely buy a new policy because there is a good probability of finding a lower-priced policy. A recent auto insurance study discovered that consumers who compared rate quotes regularly saved about $3,400 over four years compared to policyholders who never compared prices.
If finding low prices for car insurance is your goal, understanding how to quote and compare car insurance can make it easier to find better rates.
Auto insurance discounts help lower rates for Chrysler Town and Country insurance in Jacksonville
The price of auto insurance can be rather high, but you may be missing some discounts that you may not even know about. Certain credits will be shown when you quote, but some need to be asked for before you will receive the discount. If you are not receiving all the discounts you qualify for, you may be paying too high a price.
- No Claims – Claim-free drivers can save substantially in comparison with bad drivers.
- Telematics Data Discounts – Policyholders that allow their auto insurance company to monitor where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
- Discounts for New Vehicles – Buying a new car instead of a used Town and Country can save up to 30% because new vehicles keep occupants safer.
- Government Employees – Active or retired federal employment could qualify for a slight premium decrease with select insurance companies.
- Student Discounts – Being a good student may save as much as 25% on a Jacksonville auto insurance quote. The discount lasts up to age 25.
- Mature Driver Discount – Drivers over the age of 55 can get a small discount on rates.
- Lower Rates for Military – Being deployed with a military unit can result in better rates.
We need to note that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.
The illustration below illustrates the difference between Chrysler Town and Country insurance rates with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving citations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, claim-free, and homeowner discounts applied.
Some of the larger companies that have most of these discounts include:
Check with every insurance company how many discounts you can get. Some credits may not be offered in your state. To see companies that have a full spectrum of discounts in Jacksonville, follow this link.
Most larger insurance companies such as Allstate, GEICO and Progressive allow consumers to get coverage price quotes direct online. Comparing prices online for Chrysler Town and Country insurance in Jacksonville is very simple as you just type in your personal and coverage information as requested by the quote form. After you complete the form, their quoting system automatically orders your driving record and credit report and generates a price.
Quoting online for Chrysler Town and Country insurance in Jacksonville makes comparing rates easy, and it’s absolutely necessary to do this in order to get lower-cost car insurance pricing.
To find out how much you’re overpaying now, compare rates now from the companies shown below. To compare your current rates, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. Doing this assures you will receive rate quotes based on identical coverages.
The providers in the list below are ready to provide free rate quotes in Jacksonville, FL. If the list has multiple companies, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.
Chrysler Town and Country insurance analysis
The information shown below covers different insurance costs for Chrysler Town and Country models. Learning a little about how rates are figured can benefit drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $202 | $298 | $334 | $20 | $100 | $954 | $80 |
| Town and Country Touring | $228 | $364 | $334 | $20 | $100 | $1,046 | $87 |
| Town and Country Signature | $228 | $364 | $334 | $20 | $100 | $1,046 | $87 |
| Town and Country Touring Plus | $228 | $364 | $334 | $20 | $100 | $1,046 | $87 |
| Town and Country Limited | $254 | $428 | $334 | $20 | $100 | $1,136 | $95 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in vehicle location which can decrease or increase coverage rates greatly.
Higher deductibles save money
When buying insurance, a common question is where should you set your physical damage deductibles. The figures shown below outline the rate difference between high and low coverage deductibles. The first set of prices uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $358 | $532 | $354 | $20 | $106 | $1,395 | $116 |
| Town and Country Touring | $406 | $648 | $354 | $20 | $106 | $1,559 | $130 |
| Town and Country Signature | $406 | $648 | $354 | $20 | $106 | $1,559 | $130 |
| Town and Country Touring Plus | $406 | $648 | $354 | $20 | $106 | $1,559 | $130 |
| Town and Country Limited | $452 | $764 | $354 | $20 | $106 | $1,721 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $262 | $360 | $354 | $20 | $106 | $1,102 | $92 |
| Town and Country Touring | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Town and Country Signature | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Town and Country Touring Plus | $296 | $438 | $354 | $20 | $106 | $1,214 | $101 |
| Town and Country Limited | $330 | $516 | $354 | $20 | $106 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in specific location which can change coverage prices considerably.
We can estimate from the data above that using a $100 deductible will cost you about $29 more each month or $348 a year averaged for all Town and Country models than opting for the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claim filings, you would more than likely save some money if you elect the higher deductible. Below is an example of how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $130 |
| Average monthly premium for $500 deductibles (subtract): | – $101 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One big caveat is that higher deductibles means you will have to pay more of your own money when you have to file a claim. You need to have some funds available in order to pay the higher deductible.
Difference between full coverage and liability only rates
The diagram below visualizes the comparison of Chrysler Town and Country annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There is no exact rule to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Chrysler Town and Country replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
How Insurers Determine Chrysler Town and Country Insurance Rates
Multiple criteria are used when you get your auto insurance bill. Some factors are common sense such as traffic violations, but other factors are not quite as obvious such as whether you are married or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that are used to determine the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels.
The factors shown below are a few of the things used by insurance companies to determine premiums.
Insure car and home with the same company – The majority of insurance companies will award a discount to clients who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, drivers will still want to compare Chrysler Town and Country rates in Jacksonville to help guarantee you have the best rates.
Gender is a factor – The statistics show women are more cautious behind the wheel. However, this does not mean males are worse at driving than females. Women and men cause fender benders at about the same rate, but males cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.
The information below shows the comparison of Chrysler Town and Country insurance premiums for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no other discounts are factored in.
Raise physical damage deductibles and save – Comprehensive and collision coverage deductibles are how much you are willing to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of covered claims would be colliding with a stationary object, hail damage, and damage from wind. The more of the claim you have to pay, the less your insurance will be.
Vehicles with better crash test results lower prices – Cars with five star safety ratings tend to be cheaper to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Discounts for married couples – Walking down the aisle actually saves money when shopping for insurance. Having a significant other generally demonstrates drivers are more mature it has been statistically shown that married couples file fewer claims.
Higher rates for specific employers – Do you work in a high-stress field? Jobs such as military personnel, architects, and dentists have higher premiums than the average policyholder in part from intense work situations and lots of time spent away from family. On the flip side, careers such as actors, students and the unemployed get better rates.
Get rate quotes but buy from a neighborhood Jacksonville auto insurance agent
Certain consumers just prefer to have an agent’s advice and we recommend doing that One of the benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.
By using this quick form, your coverage information is immediately sent to participating agents in Jacksonville that can provide free Jacksonville auto insurance quotes for your insurance coverage. You won’t even need to do any legwork since rate quotes are delivered to you. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to get a rate quote from a specific company, just find their quoting web page and fill out their quote form.
Choosing the best insurance company requires more thought than just the price. The questions below may impact your decision as well.
- Are there any discounts that you might be missing?
- Can you get a list of referrals?
- Do they have 24-hour customer assistance?
- Are they properly licensed to sell insurance in Florida?
- How long has their agency been open in Jacksonville?
- Can they help ensure a fair claim settlement?
- What companies can they write with?
Do you need an independent or exclusive car insurance agent?
If you would like to find a local Jacksonville insurance agent, there are two different agency structures and how they can service your needs differently. Car insurance policy providers may be either exclusive or independent.
Exclusive Agents
Agents in the exclusive channel are contracted to one company like Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents receive extensive training on their company’s products which aids in selling service over price. Consumers frequently choose to use a exclusive agent mainly due to the prominence of the brand rather than having the cheapest rates.
The following are Jacksonville exclusive agencies willing to provide price quote information.
- John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060 – View Map - Chris Bedford – State Farm Insurance Agent
3943 Baymeadows Rd #1 – Jacksonville, FL 32217 – (904) 730-4300 – View Map - Bill Doyle – State Farm Insurance Agent
11555 Central Pkwy #904 – Jacksonville, FL 32224 – (904) 642-4000 – View Map
Independent Car Insurance Agents
Agents in the independent channel do not have single company limitations and that allows them to write policies amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally which requires no work on your part.
When shopping rates, we recommend you include rate quotes from independent agents in order to compare the most rates. They often place coverage with small regional insurance companies which can save you money.
Listed below is a list of independent insurance agencies in Jacksonville that can give you comparison quotes.
- Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441 – View Map - Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map - Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 – View Map
If you get good responses to all your questions and cheap Town and Country insurance quotes, you may have found an auto insurance agent that is a good match to properly service your car insurance policy. It’s important to know that you are able to cancel coverage at any time so don’t feel you’re contractually obligated to any specific agency with no way out.
Why you need Chrysler Town and Country insurance in Florida
Despite the high cost of buying insurance for a Chrysler Town and Country in Jacksonville, insuring your vehicle is required by state law in Florida and it also provides benefits you may not be aware of.
- The majority of states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability in order to drive the car legally. 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.
- If your vehicle has a loan, almost all lenders will make it mandatory that you have full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chrysler at an extremely high rate and require you to fork over much more than you were paying before.
- Insurance protects both your assets and your Chrysler. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. Today the average American driver overpays as much as $850 per year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are competitive.
Don’t give up on cheap rates
The cheapest Chrysler Town and Country insurance in Jacksonville is available from both online companies and from local agencies, and you should compare price quotes from both to get a complete price analysis. A few companies may not have online quoting and these smaller companies work with local independent agents.
People who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, high prices and even not issuing a premium refund. Regardless of your reason, finding a great new company can be pretty painless.
When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage to discover at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.
How to find lower priced Chrysler Town and Country insurance in Jacksonville
If you want to find the absolute lowest rates, then the best way to find affordable Chrysler Town and Country insurance in Jacksonville is to start comparing rates regularly from providers in Florida. Price quotes can be compared by completing these steps.
- Step 1: It will benefit you to learn about how companies price auto insurance and the measures you can take to prevent expensive coverage. Many things that drive up the price like accidents, traffic tickets, and a low credit score can be improved by making minor driving habit or lifestyle changes.
- Step 2: Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
- Step 3: Compare the new quotes to your existing coverage to determine if switching companies saves money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
A tip to remember is to use identical coverages on each quote request and and to get quotes from every insurance company. Doing this ensures an accurate price comparison and maximum price selection.
Additional information can be read on the following sites:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for Young Drivers in Jacksonville? (FAQ)
- Who Has Cheap Jacksonville Auto Insurance Quotes for a Kia Optima? (FAQ)
- How Much is Jacksonville Car Insurance for a Jeep Grand Cherokee? (FAQ)
- Who Has the Cheapest Jacksonville Car Insurance Quotes for a Honda Accord? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers with Bad Credit in Jacksonville? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)