If shopping for Jacksonville car insurance quotes online is new to you, it’s easy to be confused thanks to the huge assortment of online companies vying for business in Jacksonville.
It goes without saying that auto insurance companies want to keep you from shopping around. Drivers who shop around once a year are inclined to switch companies because there is a good chance of finding discount prices. A recent car insurance study revealed that consumers who shopped around annually saved an average of $860 a year as compared to drivers who never compared rates.
If finding low prices for Toyota Yaris insurance is your ultimate goal, understanding how to get rate quotes and compare car insurance can help you succeed in saving money.
If you are already insured, you should be able to shop for the lowest rates using the techniques covered below. Our goal in writing this article help you learn the best ways to compare prices and how to save the most money. But Florida drivers must understand how insurance companies calculate your insurance rates and use this information to your advantage.
Discount Jacksonville insurance rates
Some insurance providers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so we break down a few of the more common and also the lesser-known discounts that may be available. If you do not double check each discount you deserve, you are throwing money away.
- Paperless Signup – Some of the larger companies will provide an incentive for buying your policy online.
- Professional Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your bill.
- Waiver for an Accident – This isn’t a discount exactly, but companies like State Farm and GEICO allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
- Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- Defensive Driving Course – Taking part in a driver safety course could save 5% or more depending on where you live.
- Bundle and Save – When you have multiple policies and place coverage with the same company you will save at least 10 to 15 percent or more.
- Discount for Low Mileage – Fewer annual miles on your Toyota may allow you to get better insurance rates on cars that stay parked.
- Discount for Home Ownership – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
- New Car Discount – Insuring a new Yaris can be considerably cheaper since new model year vehicles have better safety ratings.
Don’t be shocked that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The diagram below visualizes the comparison of Toyota Yaris auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, safe-driver, and marriage discounts applied.
A few popular companies and a partial list of their discounts can be found below.
- State Farm includes discounts for safe vehicle, good student, Drive Safe & Save, Steer Clear safe driver discount, and driver’s education.
- Farmers Insurance offers discounts including distant student, teen driver, bundle discounts, business and professional, and good student.
- Progressive offers discounts for multi-vehicle, online quote discount, good student, online signing, homeowner, continuous coverage, and multi-policy.
- GEICO may offer discounts for membership and employees, multi-vehicle, good student, federal employee, daytime running lights, emergency military deployment, and air bags.
- Auto-Owners Insurance has discounts for anti-lock brakes, student away at school, anti-theft, company car, and air bags.
- The Hartford discounts include bundle, vehicle fuel type, defensive driver, driver training, good student, and anti-theft.
- Farm Bureau has savings for multi-vehicle, safe driver, driver training, 55 and retired, and good student.
- USAA may have discounts that include military installation, safe driver, vehicle storage, good student, multi-vehicle, and family discount.
When comparing rates, check with every insurance company how many discounts you can get. Savings might not be available to policyholders in Jacksonville. To see a list of companies with the best discounts in Jacksonville, click here.
The quickest method to compare car insurance company rates for Toyota Yaris insurance in Jacksonville is to realize most larger insurance companies participate in a system to give free rates quotes. The only thing you need to do is take a few minutes to give details like the type of vehicles you drive, deductibles desired, if you have an active license, and if it has an alarm system. That rating data gets transmitted to all major companies and they return quotes instantly.
If you would like to start a quote now, click here and complete the form.
The companies in the list below have been selected to offer price quotes in Jacksonville, FL. If multiple providers are shown, we suggest you visit several of them in order to get a fair rate comparison.
Rates and statistics
The premium table below highlights a range of policy rates for Toyota Yaris models. Having a good understanding how insurance rates are figured is important for making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $280 | $544 | $472 | $28 | $142 | $1,466 | $122 |
| Yaris 4-Dr Hatchback | $280 | $544 | $418 | $24 | $124 | $1,390 | $116 |
| Yaris 4-Dr Sedan | $280 | $544 | $418 | $24 | $124 | $1,390 | $116 |
| Yaris S 2-Dr Hatchback | $322 | $544 | $472 | $28 | $142 | $1,508 | $126 |
| Yaris S 4-Dr Hatchback | $322 | $544 | $418 | $24 | $124 | $1,432 | $119 |
| Yaris S 4-Dr Sedan | $322 | $544 | $418 | $24 | $124 | $1,432 | $119 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in vehicle garaging location which can decrease or increase insurance rates substantially.
Higher deductibles lower rates
One of the hardest decisions when shopping for insurance is which deductibles should you choose. The figures shown below may help you to understand the rate difference when you buy lower versus higher insurance deductibles. The first rate quote example uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $312 | $648 | $472 | $28 | $142 | $1,627 | $136 |
| Yaris 4-Dr Hatchback | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Yaris 4-Dr Sedan | $312 | $648 | $418 | $24 | $124 | $1,551 | $129 |
| Yaris S 2-Dr Hatchback | $358 | $648 | $472 | $28 | $142 | $1,673 | $139 |
| Yaris S 4-Dr Hatchback | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Yaris S 4-Dr Sedan | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $174 | $342 | $472 | $28 | $142 | $1,158 | $97 |
| Yaris 4-Dr Hatchback | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Yaris 4-Dr Sedan | $174 | $342 | $418 | $24 | $124 | $1,082 | $90 |
| Yaris S 2-Dr Hatchback | $200 | $342 | $472 | $28 | $142 | $1,184 | $99 |
| Yaris S 4-Dr Hatchback | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Yaris S 4-Dr Sedan | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium costs do not factor in vehicle location which can change auto insurance rates substantially.
Using the data above, we can ascertain that using a $100 deductible costs an average of $40 more each month or $480 for a full year than selecting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 23 months between claim filings, you would probably be better off if you choose a higher deductible.
The illustration below shows how choosing a deductible and can influence Toyota Yaris premium costs for different age groups. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
Insurance rates based on gender
The example below compares Toyota Yaris insurance premiums for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The example below visualizes the comparison of Toyota Yaris insurance costs with and without full coverage. Data assumes no accidents or driving violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no clear-cut formula for excluding physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your Toyota Yaris settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after you pay the deductible. If it’s costing you more than $200 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Don’t assume everyone needs the same auto insurance coverage
When choosing proper insurance coverage for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Every insured’s situation is different.
For instance, these questions can aid in determining if your situation may require specific advice.
- What are good deductibles for a Toyota Yaris?
- When can my company non-renew my policy?
- What vehicles should carry emergency assistance coverage?
- Does rental coverage apply when I am renting a car?
- What should my uninsured motorist coverage limits be in Florida?
- What can I do if my company won’t pay a claim?
If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.
Insurance quotes from neighborhood Jacksonville auto insurance agents
Many drivers prefer to have an agent’s advice. A good thing about comparing rates online is the fact that drivers can get better rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, your coverage information is emailed to local insurance agents in Jacksonville who can give free rate quotes and help you find cheaper coverage. There is no need to search for any insurance agencies because quoted prices will be sent directly to you. You can find better rates without requiring a lot of work. If for some reason you want to get a rate quote from one company in particular, you can always navigate to their website and give them your coverage information.
Finding a good insurance company is decision based upon more than just the price. You should also get answers to these questions.
- Which insurance companies are they affiliated with?
- Is there a 24/7 contact number?
- If you raise deductibles, how much can you save?
- What kind of financial rating does the company have?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Jacksonville car insurance agents are either independent or exclusive
If you want to use a reliable insurance agency, you need to know there are two types of agencies and how they are slightly different. Insurance agencies are considered either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Agents of this type can only quote rates from one company and some examples include Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Many people buy insurance from these agents mainly due to loyalty to the company rather than low rates.
Shown below are exclusive agents in Jacksonville who can help you get rate quotes.
- GEICO Insurance Agent
1003 Atlantic Blvd – Jacksonville, FL 32233 – (904) 246-8650 – View Map - Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401 – View Map - Randy Taylor – State Farm Insurance Agent
3041 Monument Rd #1 – Jacksonville, FL 32225 – (904) 642-2400 – View Map
Independent Agents
Agents of this type are not required to write business for one company so as a result can place your coverage through many companies depending on which coverage is best. If they quote lower rates, your agent can switch companies and you stay with the same agent.
When comparing rate quotes, we highly recommend that you compare quotes from at a minimum one independent agency to maximize your price options. Most independent agents also contract with different regional companies that can offer cheaper rates than bigger companies.
Below is a short list of independent agencies in Jacksonville who can help you get price quotes.
- Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 – View Map - Jim White Insurance Agency
1840 Dunn Ave #6 – Jacksonville, FL 32218 – (904) 751-2222 – View Map - Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map
Protect more than your Toyota Yaris
Despite the potentially high cost of Toyota Yaris insurance, paying for auto insurance may not be optional for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability insurance in order to drive the car. 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 your Yaris has a loan, almost all lenders will make it mandatory that you buy full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank may buy a policy for your Toyota at a more expensive rate and require you to reimburse them for the expensive policy.
Third, auto insurance protects both your Toyota and your personal assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying over $869 every year so we recommend shopping around at every renewal to help ensure money is not being wasted.
Insurance coverage considerations
Having a good grasp of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Auto liability
This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 10/20/10 that translate to $10,000 bodily injury coverage, a per accident bodily injury limit of $20,000, and a limit of $10,000 paid for damaged property.
Liability coverage protects against things such as structural damage, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Florida state law requires minimum liability limits of 10/20/10 but you should think about purchasing more coverage.
The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Toyota Yaris.
Because many people only carry the minimum required liability limits (Florida limits are 10/20/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for EMT expenses, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Collision coverage protection
This coverage covers damage to your Yaris caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible on your Yaris in order to get cheaper collision rates.
Comprehensive insurance
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hail damage, a broken windshield, damage from flooding, fire damage and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
One last thing to lower rates
Cheaper Toyota Yaris insurance in Jacksonville is possible online as well as from independent agents in Jacksonville, so you need to quote Jacksonville car insurance with both to have the best selection. A few companies do not offer the ability to get a quote online and these smaller providers only sell through local independent agencies.
When searching for the cheapest Toyota Yaris rate quotes, it’s a bad idea to reduce needed coverages to save money. In many cases, someone sacrificed liability coverage limits and learned later that it was a big error on their part. The goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.
You just learned some good ideas how you can find lower-cost Toyota Yaris insurance in Jacksonville. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the most savings is with a lesser-known regional company.
How to find better rates for Toyota Yaris insurance in Jacksonville
The most effective way to quote cheaper Toyota Yaris insurance in Jacksonville is to make a habit of comparing prices annually from insurers who provide car insurance in Florida. Rates can be compared by completing these steps.
- First, spend a few minutes and learn about the coverage provided by your policy and the changes you can make to prevent expensive coverage. Many things that drive up the price such as distracted driving and a negative credit score can be eliminated by being financially responsible and driving safely.
- Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or State Farm, while independent agents can provide rate quotes from multiple companies. Compare rates
- Third, compare the new rate quotes to your current policy and see if there is a cheaper rate. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.
One important bit of advice is that you use the same physical damage deductibles and liability limits on every price quote and and to get prices from all possible companies. Doing this guarantees a fair rate comparison and the best price selection.
Helpful learning opportunities
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for Unemployed Drivers in Jacksonville? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Students in Jacksonville? (FAQ)
- Who Has the Cheapest Jacksonville Auto Insurance for Teenage Males? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- Auto Insurance Learning Center (State Farm)