Cheapest Quotes for Toyota Venza Insurance in Jacksonville

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Unthinkable but true, a large majority of drivers have been with the same company for more than four years, and about 40% of consumers have never compared rates to find cheaper insurance. With the average premium in the U.S. being $1,847, drivers can save $860 each year just by comparing rates, but they just feel it's too hard to compare rates online.

Insurance quote for Toyota Venza in JacksonvilleThe recommended way to get more affordable car insurance rates is to start doing a yearly price comparison from insurers who sell insurance in Jacksonville. You can shop around by following these steps.

Step 1: Gain an understanding of how insurance works and the measures you can take to keep rates low. Many rating criteria that increase rates like traffic violations, accidents, and a negative credit rating can be eliminated by paying attention to minor details. This article gives the details to get affordable coverage and find possible discounts that are available.

Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies. View a list of agents

Step 3: Compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Give notification to your current company to cancel your current car insurance policy and submit a completed application and payment to your new agent or company. Once received, place the new certificate verifying coverage in your vehicle.

An important note is to try to compare identical coverage information on every quote and and to get price estimates from as many different companies as possible. This guarantees a fair price comparison and a good representation of prices.

Cheap companies for Toyota Venza insurance in Florida

The following companies are ready to provide price comparisons in Jacksonville, FL. If multiple providers are shown, we suggest you visit several of them to get the best price comparison.

Rates and information analytics

The premium table below showcases a range of insurance prices for Toyota Venza models. Having insight into how auto insurance policy rates are figured is important for drivers to make smart choices when buying a policy.

Toyota Venza Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $312 $634 $392 $24 $118 $1,480 $123
Venza AWD 4-Dr $312 $634 $392 $24 $118 $1,480 $123
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in specific location which can influence coverage prices greatly.

Physical damage deductibles

One of the hardest decisions when shopping for insurance is where should you set your physical damage deductibles. The following tables determine the price difference of buying low and high comp and collision deductibles. The first set of prices uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Toyota Venza insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $406 $764 $418 $24 $124 $1,761 $147
Venza AWD 4-Dr $406 $764 $418 $24 $124 $1,761 $147
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Toyota Venza insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Venza 2WD 4-Dr $296 $516 $418 $24 $124 $1,378 $115
Venza AWD 4-Dr $296 $516 $418 $24 $124 $1,378 $115
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in specific location which can modify premium rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $32 more each month or $384 each year than quoting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 13 months between claims, you would more than likely save some money if you decide on a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $147
Average monthly premium for $500 deductibles (subtract): - $115
Monthly savings from raising deductible: $32
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that a higher deductible means you will have to pay more of your own money when you file a claim. You need to make sure you have some savings in order to pay the higher deductible in order to repair your vehicle.

Jacksonville Insurance Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can earn you cheaper rates.

  • An active insurance claims history can cost you - If you file a lot of claims you can look forward to either higher rates or even cancellation. Companies in Florida give discounts to policyholders who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Car insurance liability protection limits - Liability insurance will protect you in the event that you are responsible for physical damage or personal injury to other. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Where you live - Living in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims. Drivers who live in large Florida cities tend to have congested traffic and much longer commute distances. Longer commute distances statistically corresponds to a higher accident and claim rate.
  • Occupation impacts premiums - Did you know your career choice can influence rates? Careers like lawyers, police officers, and accountants generally have the highest rates attributed to intense work-related stress and lengthy work days. Other jobs such as scientists, historians and performers pay lower than average rates.
  • Cheaper to insure women? - Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause auto accidents in similar numbers, but guys cause more damage. Not only that, but men also get cited for more serious violations like driving under the influence (DUI). Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.

    The example below visualizes the comparison of Toyota Venza yearly insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied.

  • Toyota Venza historical loss data - Insurance companies use statistical claims data to determine a rate that will be profitable for them. Vehicles that statistically have higher prevalence or dollar amount of losses will have a higher cost to insure. The data below shows the historical loss data for Toyota Venza vehicles.

    For each coverage type, the claim probability for all vehicles compiled together is represented as 100. Numbers under 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or tendency to have higher losses.

    Toyota Venza Insurance Loss Statistics
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Toyota Venza 4dr 2WD 93 102 86 115 110 93
    Toyota Venza 4dr 4WD 94 102 97 120 94 87

    Statistics from for 2013-2015 Model Years

Determine discounts to get cheap Jacksonville auto insurance quotes

Auto insurance companies do not advertise all possible discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known discounts you could be receiving when you buy Jacksonville auto insurance online.Auto insurance discounts

  • Discounts for Cautious Drivers - Insureds who avoid accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
  • Life Insurance - If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance.
  • Senior Discount - Drivers over the age of 55 may receive lower premium rates.
  • Waiver for an Accident - This one isn't a discount, but a handful of insurance companies may permit one accident before your rates go up with the catch being you have to be claim-free prior to the accident.
  • Save with a New Car - Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
  • Drivers Education - Have your child enroll in driver's education as it will make them better drivers and lower rates.
  • Federal Government Employee - Federal government employees may qualify for a discount when you quote Jacksonville auto insurance depending on your auto insurance provider.

It's important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky.

The illustration below shows the difference between Toyota Venza insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

To locate auto insurance companies who offer cheap Toyota Venza insurance quotes in Jacksonville in Jacksonville, click here.

Insurance agencies can help

Many drivers would prefer to talk to an insurance agent. A nice benefit of comparing car insurance online is the fact that drivers can get better rates and still have a local agent. Buying from and supporting local insurance agents is important particularly in Jacksonville.

To make it easy to find an agent, after completing this quick form, the quote information is immediately sent to local insurance agents who will return price quotes to get your business. You don't have to search for any insurance agencies because prices are sent directly to you. You can find better rates and a licensed agent to work with. If you need to get a price quote from a specific insurance company, don't hesitate to find their quoting web page and complete a quote there.

When finding a reliable insurance agency, there are a couple of types of insurance agents and how they can quote your rates. Jacksonville agents can either be exclusive or independent.

Independent Car Insurance Agencies

Independent agents are not restricted to one company so they have the ability to put coverage with many different companies and get you the best rates possible. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you. If you are comparing rate quotes, we highly recommend that you get quotes from several independent insurance agents to get the most accurate price comparison.

The following are Jacksonville independent insurance agents that can possibly get you free rate quotes.

803 3rd St N - Jacksonville Beach, FL 32250 - (904) 247-5599 - View Map

1819 3rd St N - Jacksonville Beach, FL 32250 - (904) 372-2355 - View Map

5243 Beach Blvd - Jacksonville, FL 32207 - (904) 391-1003 - View Map

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Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide one company's prices such as American Family, State Farm, and Allstate. They generally cannot provide other company's prices so they really need to provide good service. These agents are well trained on the products they sell which helps offset the inability to provide other markets.

Below is a short list of exclusive insurance agents in Jacksonville that are able to give price quotes.

3943 Baymeadows Rd #1 - Jacksonville, FL 32217 - (904) 730-4300 - View Map

3450 Dunn Ave Ste 104 - Jacksonville, FL 32218 - (904) 765-2919 - View Map

David Beam - State Farm Insurance Agent
10400 San Jose Blvd Ste 2 - Jacksonville, FL 32257 - (904) 379-4156 - View Map

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Selecting an auto insurance agent should depend on more than just the bottom line cost. Here are some questions you might want to ask.

  • When do they do policy reviews?
  • Is the agency active in community causes in Jacksonville?
  • How many years have they been established?
  • Can you choose the body shop in case repairs are needed?
  • Is working in the agency their full-time job?

Which policy gives me the best coverage?

When selecting the best car insurance coverage, there is no perfect coverage plan. Each situation is unique so your insurance should reflect thatCar insurance savings For example, these questions might point out if you would benefit from an agent's advice.

  • Is my camper covered for physical damage?
  • Is my vehicle covered by my employer's policy when using it for work?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does insurance cover tools stolen from my truck?
  • Do I benefit by insuring my home with the same company?
  • What is the difference between comprehensive and collision coverage?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

What is YOUR best insurance company?

A few companies may not offer online price quotes and these smaller companies only sell coverage through independent agencies. The cheapest Toyota Venza insurance in Jacksonville can be bought both online as well as from insurance agents, so you need to compare both in order to have the best price selection to choose from.

In this article, we covered a lot of information how to save on Toyota Venza insurance in Jacksonville. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates come from a lesser-known regional company. They may only write in your state and offer lower prices compared to the large companies like GEICO and State Farm.

Much more information about auto insurance in Florida can be read on the following sites: