It takes a few minutes, but the best way to save money on auto insurance rates in Jacksonville is to make a habit of comparing prices annually from different companies in Florida. You can shop around by following these steps.
- Try to learn a little about how your policy works and the factors you can control to prevent expensive coverage. Many rating factors that increase rates like speeding tickets, careless driving and an unacceptable credit score can be remedied by making minor changes to your lifestyle. Read the full article for additional ideas to get cheaper coverage and find more discounts that you may not know about.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple sources.
- Compare the quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote, make sure coverage does not lapse between policies.
- Notify your agent or company of your decision to cancel your current coverage. Submit any necessary down payment along with the completed application for the new coverage. Make sure you put the new certificate verifying coverage in a readily accessible location in your vehicle.
One thing to point out is to try to use the same physical damage deductibles and liability limits on each quote request and and to get rates from as many car insurance companies as possible. This provides an apples-to-apples comparison and the best rate selection.
We don’t have to point out that fact that auto insurance companies don’t want their customers to go rate shopping. People who compare rates annually are likely to buy a new policy because there is a great chance of finding better rates. A study discovered that consumers who shopped around saved over $3,500 over four years as compared to drivers who never compared prices.
If finding the lowest price for insurance is your objective, then learning a little about the best ways to find and compare coverage rates can make it simple to find affordable coverage.
Why You Might Pay Increased Rates in Jacksonville
When buying insurance it’s important to understand a few of the rating criteria that play a part in calculating your insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that can help you get better insurance rates. Many factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, although others are less apparent such as whether you are married or how financially stable you are.
- Where you live can modify premiums – Being located in small towns and rural areas is a good thing when insuring your vehicles. People who live in big cities have more auto accidents and higher rates of accident claims. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
- Policy add-ons may not be needed – Insurance companies have many extra add-on coverages that can add up if you don’t pay attention. Things like coverage for rental cars, death and dismemberment, and extra life insurance coverage may be wasting your money. They may sound like good ideas when discussing your needs, but if they’re wasting money remove them and pocket the money.
- Cheaper rates after marriage – Getting married may cut your premiums compared to being single. Having a spouse usually means you are more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.
- Allowing your coverage to lapse raises premiums – Driving any period of time without insurance is not a good idea and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance may result in fines or a revoked license. You may have to prove you have insurance by filing a SR-22 with the Florida motor vehicle department to get your license reinstated.
- More policies can equal more savings – The majority of insurance companies give better rates for people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten percent or more. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal.
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With age comes responsibility – Youthful drivers in Florida are statistically proven to be more careless when behind the wheel and because of this, their insurance rates are much higher. Older people are viewed as being more responsible, tend to file fewer claims, and are safer drivers.
The following chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
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Honda Pilot insurance loss probability – Car insurance companies use past insurance losses to help set a rate to offset losses. Vehicles that the data shows to have higher losses will have higher premium rates. The table below outlines the historical insurance loss data for Honda Pilot vehicles.
For each coverage category, the loss probability for all vehicles compiled together equals 100. Values that are below 100 are indicative of better than average losses, while percentage numbers above 100 point to more claims or a tendency for claims to be larger.
Car Insurance Loss Data for Honda Pilot Models Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Honda Pilot 4dr 2WD 70 96 69 82 82 86 Honda Pilot 4dr 4WD 79 105 81 88 74 82 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
The most recommended method to compare insurance rates from multiple companies is to know the trick most of the bigger providers allow for online access to provide you with free rate quotes. To get started, all you need to do is give them some information such as how you use your vehicles, driver ages, daily mileage, and coverage limits. Your insurance information is instantly provided to many of the top insurers and they return cost estimate instantly.
If you would like to start a quote now, click here and complete the quick form.
The companies shown below are ready to provide quotes in Jacksonville, FL. If multiple companies are shown, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Rate information and statistics
The rate table below highlights a range of coverage costs for Honda Pilot models. Having a better idea how car insurance premiums are formulated can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $322 | $446 | $418 | $24 | $124 | $1,334 | $111 |
| Pilot EX 2WD | $364 | $446 | $418 | $24 | $124 | $1,376 | $115 |
| Pilot EX 4WD | $364 | $446 | $418 | $24 | $124 | $1,376 | $115 |
| Pilot EX-L 2WD | $364 | $544 | $418 | $24 | $124 | $1,474 | $123 |
| Pilot EX-L 4WD | $364 | $544 | $418 | $24 | $124 | $1,474 | $123 |
| Pilot Touring 2WD | $364 | $544 | $418 | $24 | $124 | $1,474 | $123 |
| Pilot Touring 4WD | $364 | $544 | $418 | $24 | $124 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in garaging location in Jacksonville which can alter price quotes greatly.
Insurance deductibles
A question often asked by Jacksonville drivers is where should you set your physical damage deductibles. The figures shown below may help you to understand the premium difference when you select higher and lower insurance deductibles. The first rate table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $322 | $446 | $418 | $24 | $124 | $1,359 | $113 |
| Pilot EX 2WD | $364 | $446 | $418 | $24 | $124 | $1,401 | $117 |
| Pilot EX 4WD | $364 | $446 | $418 | $24 | $124 | $1,401 | $117 |
| Pilot EX-L 2WD | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| Pilot EX-L 4WD | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| Pilot Touring 2WD | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| Pilot Touring 4WD | $364 | $544 | $418 | $24 | $124 | $1,499 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $200 | $280 | $418 | $24 | $124 | $1,046 | $87 |
| Pilot EX 2WD | $224 | $280 | $418 | $24 | $124 | $1,070 | $89 |
| Pilot EX 4WD | $224 | $280 | $418 | $24 | $124 | $1,070 | $89 |
| Pilot EX-L 2WD | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| Pilot EX-L 4WD | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| Pilot Touring 2WD | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| Pilot Touring 4WD | $224 | $342 | $418 | $24 | $124 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can revise coverage prices significantly.
We can estimate from the data above that using a $250 deductible will cost you approximately $29 more each month or $348 for a full year averaged for all Pilot models than requesting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 26 months between claim filings, you would probably be better off if you opt for a higher deductible. The table below illustrates an example of how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $121 |
| Average monthly premium for $1,000 deductibles (subtract): | – $92 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
One thing to be aware of is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you have a claim. You need to make sure you have some non-essential savings in the event you have to pay the deductible.
The chart below illustrates how your deductible choice and can raise or lower Honda Pilot insurance costs for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Insurance rates based on gender in Jacksonville
The chart below shows the difference between Honda Pilot auto insurance costs for male and female drivers. The information is based on no claims or driving citations, full coverage, $100 deductibles, drivers are single, and no policy discounts are applied.
Rate difference between full and liability-only coverage
The illustration below illustrates the comparison of Honda Pilot auto insurance costs with and without full coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comp and collision
There is no specific rule to drop full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your Honda Pilot claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are paying over $200 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some circumstances where removing full coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Auto insurance protects more than just your car
Even though Jacksonville Pilot insurance rates can get expensive, insuring your vehicle may not be optional for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability in order to be legal. 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.
Second, if you have a lien on your vehicle, almost every bank will require you to carry insurance to protect their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Honda at a much higher rate and force you to pay a much higher amount than you were paying before.
Third, insurance protects both your assets and your car. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.
The benefits of insuring your car definitely exceed the price paid, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is wasting up to $855 a year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.
Don’t overlook these Honda Pilot insurance discounts
The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Some discounts will apply when you purchase, but some may not be applied and must be asked about prior to getting the savings.
- Safety Restraint Discount – Requiring all passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
- Data Collection Discounts – Drivers that enable companies to study where and when they drive through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they have good driving habits.
- Senior Citizen Discount – Mature drivers can possibly qualify for a small decrease in premiums.
- Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
- Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle on one policy may reduce the rate for each vehicle.
- Military Discounts – Being deployed in the military may lower your auto insurance rates slightly.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
- Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
- Discounts for Responsible Drivers – Accident-free drivers may receive a discount up to 45% than less cautious drivers.
Please keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the comparison of Honda Pilot car insurance costs with and without discounts applied to the premium. The data assumes a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.
Some companies that may offer policyholders these money-saving discounts include:
Check with every insurance company which credits you are entitled to. A few discounts may not apply to policies in your state. To find companies who offer online Honda Pilot insurance quotes in Florida, click here.
Local insurance agents
Some people still prefer to visit with an insurance agent and that can be a great decision Experienced insurance agents are very good at helping people manage risk and help in the event of a claim. The biggest benefit of comparing rate quotes online is the fact that drivers can get the lowest rates but also keep your business local.
Upon completion of this simple form, your coverage information is sent to companies in Jacksonville who will return price quotes for your insurance coverage. There is no reason to leave your house since rate quotes are delivered directly to your email. If you need to get a rate quote from one company in particular, you can always search and find their rate quote page and submit a quote form there.
Choosing the best provider should depend on more than just the bottom line cost. Any agent in Jacksonville should be forthright in answering these questions:
- Does the agency have a positive business rating?
- How are they compensated?
- Which insurance company do they prefer to write with?
- How much experience to they have in personal lines coverages?
- Who are their largest clients?
- If you have an accident, will your rates go up?
- How many years have they been established?
Exclusive or Independent: There is a difference
When looking for a local Jacksonville insurance agent, you need to know there are two types of insurance agents to choose from. Insurance agencies can either be independent or exclusive depending on the company they work for. Both types of agents can sell and service insurance coverage, but it is a good idea to know why they differ because it can impact buying decisions.
Exclusive Insurance Agents
These agents write business for a single company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are well trained on their company’s products which helps overcome the inability to quote other rates. Consumers frequently choose to use a exclusive agent mainly due to loyalty to the company rather than having low rates.
Listed below is a list of exclusive agencies in Jacksonville who may provide you with price quote information.
- Denny Doyle – State Farm Insurance Agent
7807 Baymeadows Rd E #100 – Jacksonville, FL 32256 – (904) 737-3777 – View Map - Jim Register – State Farm Insurance Agent
12058 San Jose Blvd #302 – Jacksonville, FL 32223 – (904) 268-5522 – View Map - Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829 – View Map
Independent Insurance Agencies
Agents in the independent channel do not write with just one company so as a result can place your coverage through many companies enabling the ability to shop coverage around. If you want to switch companies, your policy is moved internally and you don’t have to switch agencies.
If you need cheaper insurance rates, we recommend you include rate quotes from at least one independent agent so that you have a good selection of quotes to compare. Most also write with lesser-known insurance companies who may have lower rates.
The following are Jacksonville independent insurance agents that are able to give rate quotes.
- Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map - Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map - The Maverick Insurance Agency
9119 Merrill Rd #8 – Jacksonville, FL 32225 – (904) 743-6661 – View Map
When do I need an agent’s advice?
When selecting adequate coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your car insurance should unique, too.
Here are some questions about coverages that can help discover whether you could use an agent’s help.
- What exactly is covered by my policy?
- What is PIP insurance?
- Which companies will insure me after a DUI?
- Are rock-chip repairs free?
- Do I have coverage for damage caused while driving under the influence?
- Is my camper covered for physical damage?
- How much liability insurance is required?
- Is a driver training discount available?
- I have good health insurance, so how much medical payments coverage do I need?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
Insurance savings summarized
We just showed you many tips how you can find lower-cost Honda Pilot insurance in Jacksonville. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with a small mutual company. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.
The cheapest Honda Pilot insurance in Jacksonville can be purchased online in addition to many Jacksonville insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and these regional insurance providers work with independent agents.
To learn more, link through to the resources below:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has the Cheapest Jacksonville Auto Insurance Rates for Seniors? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Camry in Jacksonville? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- Coverage Information (Progressive Insurance)
- Electronic Stability Control FAQ (iihs.org)
- Neck Injury FAQ (iihs.org)