Want a free price quotes on cheaper Toyota Avalon insurance in Jacksonville? Searching for better insurance prices for your Toyota Avalon in Florida can normally be a painful process, but you can follow a few tricks to make it easier.
There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to get price quotes for a new or used Toyota and find the lowest price.
Shocking but true, most auto insurance policyholders have purchased from the same company for more than four years, and 38% of drivers have never even compared rates from other companies. Jacksonville insurance shoppers can save up to 55% each year just by getting comparison quotes, but most just don’t grasp the benefits if they switch to a new company.
It’s important to take a look at other company’s rates as often as possible because insurance prices go up and down regularly. Despite the fact that you may have had the best rates on Toyota Avalon insurance in Jacksonville a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about Avalon insurance online but in a few minutes you can learn the best ways to put money back in your pocket.
Best Toyota Avalon insurance prices in Florida
The companies shown below provide price quotes in Florida. If more than one company is shown, we suggest you compare several of them to find the most competitive auto insurance rates.
The premium table shown below showcases a range of insurance costs for Toyota Avalon models. Being aware of how rates are figured is important for you to make smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates considerably.
The information below highlights how deductible choice and can raise or lower Toyota Avalon insurance rates for different age groups. The data assumes a married male driver, full coverage, and no other discounts are factored in.
Toyota Avalon insurance costs by age and gender
The example below shows the difference between Toyota Avalon insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.
Cost difference between full coverage and liability
The information below illustrates the comparison of Toyota Avalon yearly insurance costs with and without full coverage. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no discounts are factored in.
Are you wasting money paying for full coverage?
There is no clear-cut formula of when to exclude full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s pretend your Toyota Avalon replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If you are paying over $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some circumstances where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Verify you’re receiving every discount
Some companies do not advertise every possible discount very well, so we break down some of the best known and also the more inconspicuous savings tricks you should be using when you buy Jacksonville auto insurance online. If you are not receiving all the discounts available, you may be paying too high a price.
- Club Memberships – Affiliation with a qualifying organization could earn you a nice discount on your next insurance statement.
- Discounts for Cautious Drivers – Safe drivers can pay as much as 50% less than their less cautious counterparts.
- Defensive Driver Discounts – Taking time to complete a driver safety course can save you 5% or more and also improve your driving technique.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
- Discount for Swiching Early – Select insurance companies give a discount for buying a policy before your current coverage expires. This discount can save up to 10%.
- Own a Home – Just owning your own home can save you money because it shows financial diligence.
Remember that most credits do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.
The example below shows the difference between Toyota Avalon car insurance rates with and without discounts. The costs are based on a male driver, no violations or claims, 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 multi-policy, claim-free, safe-driver, homeowner, multi-car, and marriage discounts applied.
A list of insurance companies and some of the discounts are shown below.
- Progressive may include discounts for online signing, online quote discount, homeowner, continuous coverage, multi-vehicle, and good student.
- Farmers Insurance includes discounts for multi-car, teen driver, pay in full, early shopping, and homeowner.
- Farm Bureau offers premium reductions for driver training, youthful driver, multi-vehicle, good student, and renewal discount.
- State Farm may have discounts that include multiple policy, accident-free, multiple autos, Steer Clear safe driver discount, and safe vehicle.
- GEICO has savings for military active duty, good student, seat belt use, emergency military deployment, anti-lock brakes, and federal employee.
- SAFECO offers discounts including drive less, anti-lock brakes, homeowner, bundle discounts, safe driver, and anti-theft.
- Liberty Mutual discounts include multi-car, new vehicle discount, newly retired, preferred payment discount, new graduate, newly married, and hybrid vehicle.
Double check with every insurance company which discounts can lower your rates. A few discounts may not be offered in Jacksonville.
Insurance is available from local agents
Some consumers would rather buy from a licensed agent and often times that is recommended Professional agents can answer important questions and help in the event of a claim. An additional benefit of price shopping on the web is you may find lower car insurance rates but still work with a licensed agent. And providing support for local agents is definitely important in Jacksonville.
To make it easy to find an agent, after completing this simple form, the quote information is sent to participating agents in Jacksonville who will return price quotes for your insurance coverage. You don’t have to leave your house because quoted prices will be sent to you. If you have a need to quote rates from a specific insurance company, you can always search and find their rate quote page and give them your coverage information.
If you want an insurance agent, you should know the different types of agents and how they differ in how they can insure your vehicles. Agents in Jacksonville are either independent agents or exclusive agents. Both types of agents can write insurance policies, but it’s important to know the subtle differences because it can impact your agent selection.
Independent Insurance Agents
Independent agents can quote rates with many companies so as a result can place your coverage amongst many companies and find you the best rates. To move your coverage to a new company, they simply move your policy to a different company and you don’t have to do anything. When comparing insurance prices, we highly recommend that you get several quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most also have access to companies you’ve never heard of which may provide better rates.
The following is a list of independent insurance agents in Jacksonville that can give you price quotes.
- Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map
- Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 – View Map
- Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map
Agents that elect to be exclusive can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to place coverage with different providers so they are skilled at selling on more than just price. They are usually quite knowledgeable on what they offer which helps them compete with independent agents. Some consumers prefer to buy insurance from these agents partially due to the brand name rather than low price.
Listed below is a list of exclusive insurance agents in Jacksonville willing to provide rate quotes.
- Yuleen Broome – State Farm Insurance Agent
3120 Atlantic Blvd – Jacksonville, FL 32207 – (904) 398-0401 – View Map
- Therese Quinn – State Farm Insurance Agent
1944 Southside Blvd – Jacksonville, FL 32216 – (904) 724-6040 – View Map
- Jim Love – State Farm Insurance Agent
2730 College St – Jacksonville, FL 32205 – (904) 384-5000 – View Map
Choosing an car insurance agent should depend on more than just a cheap quote. These are valid questions to ask:
- Are claims handled at the agent’s location?
- What is the financial rating for the quoted company?
- Do they offer accident forgiveness?
- Do they specialize in personal lines coverage in Jacksonville?
- Are they able to influence company decisions when a claim is filed?
Specific coverages for a Toyota Avalon
Having a good grasp of insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Comprehensive auto coverage
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from getting keyed, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision insurance pays for damage to your Avalon from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible on your Avalon in order to get cheaper collision rates.
This coverage can cover damage that occurs to a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 10/20/10 that means you have $10,000 in coverage for each person’s injuries, a limit of $20,000 in injury protection per accident, and $10,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for claims such as loss of income, bail bonds, court costs and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford. Florida requires drivers to carry at least 10/20/10 but it’s recommended drivers buy higher limits.
The chart below demonstrates why buying the state minimum limits may not be adequate.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, prosthetic devices, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Toyota Avalon.
Since many Florida drivers only carry the minimum required liability limits (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. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Frequent quotes can save
We just showed you many tips how you can find cheaper Toyota Avalon insurance in Jacksonville. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost Jacksonville auto insurance quotes. You may even discover the best car insurance rates are with the least-expected company.
Drivers leave their current company for a variety of reasons including being labeled a high risk driver, unfair underwriting practices, poor customer service or not issuing a premium refund. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.
There are still a few companies who may not provide rates over the internet and many times these small insurance companies provide coverage only through local independent agencies. Cheap Toyota Avalon insurance in Jacksonville is possible from both online companies as well as from independent agents in Jacksonville, and you should be comparing both to get a complete price analysis.
How to buy lower priced Toyota Avalon insurance in Jacksonville
The easiest way to get discount car insurance rates in Jacksonville is to regularly compare quotes from providers who sell auto insurance in Florida.
- Try to comprehend what is in your policy and the measures you can take to prevent expensive coverage. Many things that result in higher prices like at-fault accidents, speeding tickets, and an unfavorable credit rating can be controlled by being financially responsible and driving safely.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and make a switch, ensure there is no coverage lapse between policies.
An essential thing to point out is to try to compare the same liability limits and deductibles on every price quote and and to get quotes from as many auto insurance providers as possible. Doing this helps ensure a level playing field and the best price quote selection.
Additional auto insurance information is available on the following sites:
- Your Car has been Stolen: Now What? (Allstate)
- What Insurance is Cheapest for Homeowners in Jacksonville? (FAQ)
- Who Has the Cheapest Jacksonville Auto Insurance for Teenage Males? (FAQ)
- Teen Driving Statistics (GEICO)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Car Insurance FAQ (Trusted Choice)