If you’re new to shopping for Jacksonville auto insurance quotes online, you may be overwhelmed thanks to the huge assortment of online auto insurance companies and websites all offering big savings in Jacksonville.
A recent NerdWallet.com study revealed that most auto insurance policyholders in Florida have purchased from the same company for a minimum of four years, and just short of a majority have never compared rate quotes at all. American drivers could save an average of up to 47% each year by just shopping around, but they don’t know the large savings they would see if they bought a different policy.
Pricing the cheapest protection in Jacksonville is actually quite simple. In essence, every person who is required to buy insurance will most likely be able to save money. But Florida vehicle owners must understand how the larger insurance companies calculate their prices and apply this information to your search.
When shopping for Dodge Viper insurance in Jacksonville there are multiple ways of comparing price quotes from different companies. By far the easiest way to lower the rate you pay for Dodge Viper insurance is to jump online and get quotes.
Just keep in mind that making a lot of price comparisons gives you a better chance of getting the best rates. Not every company allows you to get rate quotes online, so you should also compare price quotes from them, too.
The following companies are ready to provide free quotes in Jacksonville, FL. If more than one company is shown, we recommend you visit several of them to get a more complete price comparison.
Get lower-cost Dodge Viper insurance in Jacksonville with discounts
Companies don’t necessarily list every discount available in an easy-to-find place, so we break down a few of the more common as well as the least known discounts that you may qualify for.
- Distant Student – Youth drivers who live away from home to go to college and don’t have a car may be able to be covered for less.
- No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts as compared to drivers with a long claim history.
- Telematics Discount – Drivers that enable driving data submission to scrutinize vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
- Discount for Home Ownership – Owning a house in Jacksonville can get you a discount because owning a home is proof of financial responsibility.
- Multi-Vehicle Discounts – Drivers who insure more than one vehicle with the same insurance company could earn a price break for each car.
- Low Mileage Discounts – Keeping the miles down on your Dodge could qualify for cheaper prices.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
- ABS Braking Discount – Cars with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
- Driver Safety – Passing a course teaching driver safety skills could earn you a small percentage discount and easily recoup the cost of the course.
- Renewal Discounts – Some companies give discounts for signing up prior to your current Viper insurance policy expiration. It could save around 10% when you buy Jacksonville auto insurance online.
Just know that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, it’s just not the way it works. But any discount will positively reduce your policy premiums.
The example below compares Dodge Viper insurance costs with and without discounts applied. The premiums are based on a female driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-policy, multi-car, claim-free, and marriage discounts applied.
Some of the larger companies that may offer quotes with some of the above discounts are:
Double check with every insurance company which discounts you qualify for. Depending on the company, some discounts may not apply to policies everywhere.
Rates and other information
The coverage information shown below outlines detailed analysis of prices for Dodge Viper models. Having a better idea how car insurance premiums are figured can be valuable when making smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Viper SRT/10 2-Dr Coupe||$492||$1196||$472||$28||$142||$2,330||$194|
|Viper SRT/10 2-Dr Roadster||$492||$1196||$472||$28||$142||$2,330||$194|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in specific zip code location which can change rates substantially.
The diagram below illustrates how choosing a deductible and can raise or lower Dodge Viper insurance costs for each age group. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Full coverage or liability only
The diagram below compares Dodge Viper insurance prices when comparing full coverage to state minimum liability only. The premium estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no policy discounts are applied.
When to buy liability coverage only
There is no definitive formula for eliminating physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Dodge Viper book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying more than $200 annually for physical damage coverage, then it might be time to buy liability only.
There are some situations where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Seven factors that influence insurance costs
Smart consumers have a good feel for some of the factors that play a part in calculating your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to cheaper rates. Many things are part of the equation when pricing auto insurance. Some are obvious such as your driving history, although others are less apparent such as your credit history or your commute time.
Performance affects insurance rates – The type of car or truck you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. The lowest rates tend to be for low performance passenger vehicles, but the cost you end up paying is determined by many additional factors.
The next chart uses these assumptions: single female driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares Dodge Viper insurance premiums compared to other vehicles that have a range of performance rating factors.
Cars with good safety ratings lower premiums – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Where you call home factors in – Residing in less populated areas of the country is a good thing when buying auto insurance. Urban drivers have to deal with more aggressive driving styles and a longer drive to work. Less people living in that area corresponds to lower accident rates in addition to lower liability claims.
Better drivers pay less – Even a single chargeable violation may cause rates to rise substantially. Attentive drivers get better prices than their less careful counterparts. Drivers who have gotten flagrant violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
The illustration below demonstrates how speeding tickets and at-fault claims increase Dodge Viper auto insurance costs for each different age group. The rates are based on a married female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Drivers with high credit save – Having a good credit score is a large factor in determining premium rates. People that have high credit scores tend to file fewer claims and have better driving records than those with poor credit scores. If your credit history is not that good, you could pay less to insure your Dodge Viper by taking the time to improve your credit score.
Rates can drop if you have more than one policy – Many companies allow a discount for people that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, you may still want to shop around to verify if the discount is saving money. You may still find a better deal by buying from different companies
Gender is a factor – Over time, data shows females are less aggressive when driving. It does not mean males are worse at driving than females. They both cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
The illustration below compares Dodge Viper insurance costs for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, marital status is single, and no policy discounts are applied.
Insurance losses for a Dodge Viper – Auto insurance companies use historical loss data as a way to help calculate a profitable premium price. Models that are shown to have a trend towards higher claims will have higher rates for specific coverages. The information below illustrates the actual insurance loss data for Dodge Viper vehicles.
For each policy coverage type, the claim probability for all vehicles averaged together is a value of 100. Values under 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 show a trend for more claims or a tendency for losses to be larger than average.
|Specific Dodge Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Dodge Viper 2dr||147|
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 Jacksonville insurance agents
Some people just prefer to buy from a licensed agent and there is nothing wrong with that. One of the great benefits of comparing insurance online is the fact that drivers can get the lowest rates and still have an agent to talk to. Supporting neighborhood agents is important especially in Jacksonville.
To help locate an agent, after submitting this form (opens in new window), the coverage information is instantly submitted to participating agents in Jacksonville that give free quotes for your insurance coverage. You don’t have to leave your computer as quotes are delivered directly to you. You can find better rates and an insurance agent to talk to. If for some reason you want to get a rate quote from a specific insurance company, just search and find their rate quote page to submit a rate quote request.
Types of car insurance agents
When looking for a reliable insurance agency, there are a couple of different types of agencies and how they can write your policy. Insurance agents in Jacksonville are considered either independent or exclusive.
Agents in the independent channel are not required to write business for one company and that gives them the ability to insure through many companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house which makes it simple for you.
If you are trying to find cheaper rates, we recommend you contact several independent insurance agents to have the best price comparison. They also have the ability to place coverage with small mutual carriers which may provide better rates.
Featured below are Jacksonville independent agencies that may be able to give free price quotes.
- Contemporary Affordable Insurance Agency
212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map
- Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map
- Luten Insurance Agency
3811 Blanding Blvd – Jacksonville, FL 32210 – (904) 771-6400 – View Map
Agents that choose to be exclusive can only write with one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are highly trained on what they offer which helps them sell on service rather than price. Many people use the same agent partially due to the brand legacy rather than having the cheapest rates.
Shown below are exclusive insurance agencies in Jacksonville who can help you get price quotes.
- Chris Frank – State Farm Insurance Agent
9475 Philips Hwy Ste 15 – Jacksonville, FL 32256 – (904) 900-1727 – View Map
- Jim Love – State Farm Insurance Agent
2730 College St – Jacksonville, FL 32205 – (904) 384-5000 – View Map
- Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100 – Jacksonville, FL 32256 – (904) 737-3777 – View Map
Choosing the best auto insurance agent should depend on more than just a cheap price. These are some questions you should get answers to.
- If your car is totaled, how to they determine the replacement cost?
- Will your rates increase after a single accident?
- Do the companies they represent have a solid financial rating?
- Can glass repairs be made at your home?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long has their agency been open in Jacksonville?
- Is the agent properly licensed in Florida?
- Do they have a Better Business Bureau rating in Jacksonville?
Don’t assume everyone needs the same car insurance coverage
When selecting a policy, there really is no perfect coverage plan. Everyone’s situation is unique.
These are some specific questions can aid in determining if you could use an agent’s help.
- What are the best liability limits?
- Are split liability limits better than a combined single limit?
- Do I have coverage for damage caused while driving under the influence?
- Is my Dodge Viper covered if I use it for business?
- What vehicles should carry emergency assistance coverage?
- When should I have rental car coverage?
- Is rental equipment covered for theft or damage?
- Do I need motorclub coverage?
- What discounts do I qualify for?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.
Shop around and save
As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured dropped liability coverage limits only to regret they didn’t have enough coverage. Your goal is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.
Consumers change insurance companies for a variety of reasons including unfair underwriting practices, policy cancellation, lack of trust in their agent or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company can be less work than you think.
In this article, we covered many ideas to get a better price on Dodge Viper insurance in Jacksonville. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive Jacksonville auto insurance quotes. Consumers may even find the biggest savings come from some of the lesser-known companies.
How to find the cheapest rates for Dodge Viper insurance in Jacksonville
If you want to find the absolute lowest rates, then the best way to get low-cost Dodge Viper insurance in Jacksonville is to make a habit of comparing prices annually from different companies who provide car insurance in Florida. This can be done by completing these steps.
Step 1: Try to comprehend policy coverages and the factors you can control to keep rates low. Many rating factors that increase rates such as traffic tickets, fender benders, and a negative credit score can be rectified by making minor changes in your lifestyle.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while independent agents can quote prices from multiple companies.
Step 3: Compare the new rate quotes to the premium of your current policy to see if cheaper Viper coverage is available in Jacksonville. If you can save money and switch companies, ensure there is no coverage lapse between policies.
Step 4: Give proper notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit a down payment along with a completed application to the new company. Immediately upon receiving it, place the new proof of insurance paperwork in an easily accessible location in your vehicle.
One thing to remember is that you use the same liability limits and deductibles on every quote request and and to get rate quotes from as many companies as you can. This guarantees the most accurate price comparison and a thorough selection of prices.
For more information, take a look at these articles:
- Collision Coverage (Liberty Mutual)
- How Much are Auto Insurance Quotes for Low Income Drivers in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Honda CR-V in Jacksonville? (FAQ)
- What Car Insurance is Cheapest for Active Military in Jacksonville? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Toyota Highlander in Jacksonville? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with a DUI in Jacksonville? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Distracted Driving (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- Choosing a Car for Your Teen (State Farm)