A recent auto insurance study discovered that the vast majority of auto insurance customers have stayed with the same insurance company for a minimum of four years, and virtually 40% of consumers have never shopped around. Florida consumers could save themselves $1,100 a year just by shopping around, but they don’t believe how much money they would save if they switch to a new company.
If you want to save money, the best way to find affordable quotes for auto insurance rates is to compare quotes annually from insurance carriers who provide car insurance in Jacksonville. Price quotes can be compared by following these steps.
Step 1: Get an understanding of how auto insurance works and the measures you can take to prevent rate increases. Many rating factors that drive up the price like traffic violations and a poor credit rating can be rectified by improving your driving habits or financial responsibility. This article provides more ideas to keep prices down and find missing discounts.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can give you price quotes from many different companies.
Step 3: Compare the price quotes to your existing coverage and see if there is a cheaper rate in Jacksonville. If you find a better price, verify that coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your existing policy and submit payment along with a signed and completed policy application to the new company. When you receive it, place the new certificate verifying coverage in your glove compartment.
One piece of advice is to use the same amount of coverage on every price quote and and to analyze every company you can. This helps ensure a fair price comparison and the best price selection.
Choosing the best rates in Jacksonville can be easy if you know a few tricks. If you have a current auto insurance policy or are looking for a new policy, use these money-saving tips to lower your rates without reducing protection. Drivers just need to understand how to compare price quotes online.
Do you qualify for discounts on Toyota Camry insurance in Jacksonville?
Car insurance companies do not advertise every discount they offer very well, so below is a list a few of the more common and the more hidden savings tricks you should be using when you buy Jacksonville auto insurance online.
- Data Collection Discounts – Insureds that choose to allow their auto insurance company to spy on driving manner by installing a telematics device like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
- Low Mileage Discounts – Keeping the miles down on your Toyota may enable drivers to earn lower auto insurance rates due to less chance of an accident.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% off the medical payments premium.
- Renewal Discounts – A few companies give discounts for buying a new policy prior to your current Camry insurance policy expiration. Ten percent is about the average savings.
- Multiple Cars – Drivers who insure all your vehicles with one company can reduce rates for all insured vehicles.
- Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates than drivers with accidents.
Just know that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The diagram below compares Toyota Camry car insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, multi-policy, and marriage discounts applied.
A few of the larger companies and their possible discounts are included below.
- Progressive has discounts for continuous coverage, online signing, multi-policy, homeowner, online quote discount, multi-vehicle, and good student.
- The Hartford may have discounts that include defensive driver, anti-theft, good student, bundle, driver training, air bag, and vehicle fuel type.
- Mercury Insurance offers premium reductions for annual mileage, multi-car, low natural disaster claims, location of vehicle, and type of vehicle.
- GEICO may include discounts for air bags, anti-lock brakes, good student, membership and employees, driver training, five-year accident-free, and emergency military deployment.
- AAA may offer discounts for anti-theft, pay-in-full, AAA membership discount, multi-car, education and occupation, good driver, and good student.
- State Farm offers discounts including student away at school, Steer Clear safe driver discount, safe vehicle, good driver, and good student.
If you want affordable Toyota Camry insurance quotes, ask all companies you are considering which discounts you qualify for. Savings may not be offered everywhere. To find companies that can offer you the previously mentioned discounts in Florida, click this link.
Finding low cost Jacksonville insurance rates doesn’t have to be difficult. The only requirement is to spend a few minutes comparing free Jacksonville auto insurance quotes from different insurance companies.
The companies shown below are our best choices to provide free rate quotes in Jacksonville, FL. If several companies are displayed, we recommend you compare several of them to get the best price comparison.
Car insurance statistics for a Toyota Camry
The information displayed below highlights a range of insurance costs for Toyota Camry models. Having a good understanding how insurance prices are formulated can help guide drivers when making smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Table data assumes 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-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific Jacksonville garaging location which can raise or lower coverage rates greatly.
Rate comparison of male drivers versus female drivers
The illustration below compares Toyota Camry insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are factored in.
Full coverage versus liability only rates
The diagram below compares Toyota Camry insurance costs with and without physical damage coverage. The data is based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no clear-cut rule for excluding comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s pretend your Toyota Camry replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
How much auto insurance do I need?
Always remember that when buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that.
Here are some questions about coverages that can aid in determining if you will benefit from professional help.
- What is high-risk coverage and where do I buy it?
- Am I covered if I hit someone who is not insured?
- Should I buy only the required Florida minimum liability coverage?
- Can I rent a car in Mexico?
- Does liability extend to a camper or trailer?
- Am I covered if I hit a deer?
- Does my insurance cover a custom paint job?
- What exactly is covered by my policy?
- Should I buy full coverage?
If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.
When should I contact an insurance agent?
Many people prefer to go talk to an agent and there is nothing wrong with that. Most agents are trained to spot inefficiencies and help you file claims. A nice benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still have a local agent.
After completing this short form, the coverage information gets sent to local insurance agents who will give you quotes for your coverage. You won’t even need to find an agent since rate quotes are delivered straight to your inbox. If you want to get a rate quote from a specific company, don’t hesitate to navigate to their website to submit a rate quote request.
Choosing the best insurer needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- How does the company pay claims for a total loss?
- Are they primarily personal or commercial lines agents in Jacksonville?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the agency have a current Errors and Omissions policy?
- How will an accident affect your rates?
- What insurance companies do they recommend if they are an independent agent?
Types of auto insurance agents in Jacksonville
When looking for a reliable agent, it’s helpful to know the types of agencies and how they can quote your rates. Insurance agencies in Jacksonville can be classified as either exclusive agents or independent agents. Either one can write auto insurance policies, but it’s worth learning why they differ because it can influence your selection of an agent.
Agents that choose to be exclusive can only place business with one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so you need to shop around if the rates are high. These agents are trained well on what they offer which aids in selling service over price. Consumers sometimes buy from the same agent for years partially due to the prominence of the brand and strong financial ratings.
Listed below is a list of exclusive agents in Jacksonville who can help you get rate quotes.
- John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060 – View Map
- Ray Moore – State Farm Insurance Agent
109 New Berlin Rd – Jacksonville, FL 32218 – (904) 751-6643 – View Map
- Edie Williams – State Farm Insurance Agent
2325 Park St – Jacksonville, FL 32204 – (904) 425-4054 – View Map
Independent Auto Insurance Agents
Agents that choose to be independent do not work for one specific company and that enables them to quote your coverage through many different auto insurance companies and get the cheapest rates. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent.
When comparing rate quotes, you will definitely want to contact at least one independent agent to have the most options to choose from. They also have the ability to place coverage with small mutual carriers that may provide cheaper auto insurance rates.
Listed below are Jacksonville independent insurance agencies who can help you get price quote information.
- Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029 – View Map
- Jim White Insurance Agency
1840 Dunn Ave #6 – Jacksonville, FL 32218 – (904) 751-2222 – View Map
- Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map
Quote more and you will save more
Some insurance providers may not have online rate quotes and most of the time these smaller companies sell through local independent agents. Lower-priced auto insurance in Jacksonville can be bought on the web and from local insurance agents, so you need to compare both to have the best selection.
You just learned a lot of tips how to lower your Toyota Camry insurance prices in Jacksonville. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the best prices are with a small local company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
- Tools for Teen Driving Safety (State Farm)
- Who Has Cheap Jacksonville Car Insurance Rates for Drivers with Good Credit? (FAQ)
- Who Has Cheap Jacksonville Auto Insurance for State Employees? (FAQ)
- Who Has Affordable Jacksonville Car Insurance Quotes for Safe Drivers? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Where can I buy Insurance? (Insurance Information Institute)