Expensive auto insurance in Jacksonville can consume your accounts and force you to cut corners elsewhere.
Unthinkable but true, most auto insurance buyers have been with the same company for four years or more, and nearly half have never quoted auto insurance rates at all. With the average auto insurance premium being $2,160, Jacksonville drivers could cut their rates by roughly 55% a year by just comparing rate quotes, but most just don't grasp the benefits if they switch to a new company. You have multiple car insurance companies to buy insurance from, and although it's nice to have a choice, more options can take longer to locate the cheapest rates for Volvo S90 insurance in Jacksonville.
Finding the cheapest coverage in Jacksonville is not that difficult. If you are insured now or need new coverage, use these tips to find the best rates while maintaining coverages. Consumers just need to understand the proper way to get comparison quotes using one simple form.
Compare Jacksonville Volvo S90 insurance price quotes
Finding cheap Jacksonville insurance rates is actually easier than you may think. All you need to do is spend a few minutes on the computer comparing rate quotes from different insurance companies.
Getting free rate quotes online is quite simple, and it makes it a waste of time to actually drive to local Jacksonville insurance agencies. The ability to get quotes online has reduced the need for local agents unless you want the professional abilities that you can only get from talking to an agent. It is possible to compare the best prices online and get advice from an agent in your area.
The following companies have been selected to offer price quotes in Florida. If multiple companies are shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Protect your vehicle and other assets
Despite the high cost, maintaining insurance is required in Florida but it also protects you in many ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability if you want to drive legally. 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.
- If your Volvo S90 has a loan, almost every bank will make it mandatory that you buy insurance to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Volvo at a much higher premium rate and require you to fork over for it.
- Insurance safeguards both your assets and your car. It will also provide coverage for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If your Volvo gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying insurance outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $820 a year so we recommend shopping around at least once a year to ensure rates are inline.
Cheaper Jacksonville auto insurance rates with discounts
Buying auto insurance is not cheap, but you may be missing some discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be specifically requested before you get the savings.
- First Accident Forgiveness - Not a discount per se, but companies like Allstate, State Farm and GEICO will turn a blind eye to one accident without the usual rate increase as long as you don't have any claims before the accident.
- College Student Discount - Kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
- Braking Control Discount - Cars and trucks equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
- Pay Now and Pay Less - If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.
- Early Signing - A few insurance companies allow discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
- Professional Memberships - Affiliation with qualifying clubs or civic groups could qualify you for a break on auto insurance.
- Buy New and Save - Buying a new car instead of a used S90 can cost up to 25% less due to better safety requirements for new vehicles.
- Smart Student Discounts - This discount can earn a discount of 20% or more. Most companies allow this discount up to age 25.
- Seat Belt Discounts - Requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
Keep in mind that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way. But all discounts will help lower your overall bill.
A list of auto insurance companies and their offered discounts are:
- Progressive may include discounts for good student, online quote discount, homeowner, multi-policy, and online signing.
- AAA offers discounts including anti-theft, pay-in-full, multi-policy, good driver, AAA membership discount, and good student.
- Farmers Insurance has discounts for electronic funds transfer, alternative fuel, business and professional, teen driver, mature driver, homeowner, and switch companies.
- GEICO may have discounts that include air bags, seat belt use, emergency military deployment, driver training, and defensive driver.
- Esurance includes discounts for renters, Switch & Save, paid-in-full, claim free, defensive driver, multi-car, and anti-theft.
- SAFECO discounts include accident prevention training, multi-car, teen safety rewards, safe driver, drive less, and bundle discounts.
- State Farm may offer discounts for anti-theft, passive restraint, good student, student away at school, accident-free, safe vehicle, and defensive driving training.
If you need inexpensive Jacksonville car insurance quotes, ask every insurance company the best way to save money. Discounts may not apply to policies in your area. For a list of insurance companies who offer auto insurance discounts in Florida, click here to view.
Will just any policy work for me?
When selecting the right insurance coverage, there is no "perfect" insurance plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.
- Am I covered if I hit a deer?
- How high should deductibles be on a Volvo S90?
- Can good grades get a discount?
- If my car is totaled with they pay enough to replace it?
- Am I insured when driving a different vehicle?
- Do I pay less for low miles?
- Is motorclub coverage worth it?
- What does medical payments cover?
- What is the ISO rating for a Volvo S90?
If you can't answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.