Jacksonville car insurance quotes are an easy and effective way to lower the premiums you pay for your insurance policy. You can get started instantly using the form above and following the simple instructions. Compare companies that offer insurance across all of Florida.
Car insurance is required of every vehicle in owner in Jacksonville and the state of Florida as well. The insurance will cover the legal claims that could be filed against the driver in the event of an accident. These include the costs and damages that may be incurred, even when the insurance policy holder is injured or dies in the accident itself.
There are several different ways of buying insurance these days. The three main one being online, by phone and/or the oldest method, through an agent. Buying online is the fastest way to compare companies and get the lowest rates, but some people still prefer a dealing with a real person.
Jacksonville Auto Insurance Agents And Brokers
The process of obtaining a policy can be tedious, so if you find the process too lengthy, you can hire an auto insurance agent or broker to help you in every step of the way. Still, many people think that it’s highly unnecessary to get one when you can just ask for instant quotes online. Is this claim right?
Yes, you can certainly get Jacksonville car insurance quotes online and save money doing so. But auto insurance brokers do offer benefits that online assistance doesn’t. For one, an auto insurance broker has direct access to insurance companies. Relying on only one company may limit your options. The broker has a network of insurance companies (unlike an agent who only works with one or at most a handful of companies). The broker can even save you from the mental anguish and streamline the best auto insurance rates for you.
Working with an insurance broker will be filled with conversations on your driving history, kind of license that you have, the type of vehicle that you own, the upgrades that you have installed, other people who will be driving your car, etc. A broker can definitely help you with your Jacksonville car insurance, but online quotes are still recommended.
Get an experienced broker, especially if you are on a tight budget. This broker will be the best person who can determine what policy will give you value for your money. Meanwhile, you can also help your broker by going online and consulting an auto insurance calculator. That will help him or her determine the range of the insurance prices you’re willing to pay for.
If you have a specific company in mind you may also wish to check out these listings from Jacksonville’s largest insurance companies.
Allstate has 38 agents in Jacksonville proper and 26 others in places like Orange Park, Atlantic Beach, Fleming Island and Jacksonville Beach.
Jacksonville Farmers Insurance Agents
Surprisingly, not only does Farmers not have agents in Jacksonville, but it doesn’t have any agents in the whole state of Florida.
Geico has a single insurance agent’s office in Jacksonville which is open 6 days a week. Geico on the whole prefers to sell insurance online or over the phone.
There are 12 Jacksonville based insurance agents and brokers that sell Progressive auto insurance policies.
State Farm is the leader when it comes to local agents. They have 40 agents in Jacksonville who can help you with your insurance needs; many of whom also speak Spanish.
Your insurance agency not listed? If you own an insurance agency that operates in Jacksonville and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Jacksonville Car Insurance Rates
Figuring out average Jacksonville car insurance rates can be difficult; because up-to-date comprehensive statistics are not always forthcoming from auto insurance companies. According to CarInsurance.com the average annual premium paid in Jacksonville is $1,422 for 2011.
This is almost bang on the national average (and below the Florida average). Yet, this only includes those who get quotes online as opposed to those who do so over the phone or though a broker. Thus, while the actual average may be a little higher or lower than this, the figure above should be in the right ballpark.
Driving In Jacksonville
Driving in Jacksonville is better than many other cities in the United States. According to the INRIX National Traffic Scorecard the city is ranked 58th in terms of congestion. Better yet, it doesn’t have a single top 1000 problem traffic corridor.
Staying safe while driving is still important though. That’s why it’s always a good idea to check out traffic conditions before starting your drive. That way you can avoid congestion and accidents, keeping you and your passengers safe. Staying safe is a key way to keep those auto insurance rates low.
Florida State Vehicle Insurance Laws
Since Jacksonville is located in Florida, you have to abide by the insurance laws of the state when it comes to owning and operating a vehicle. The first key point to know is that Florida is a ‘no fault‘ auto insurance state. This means your insurance company pays for your costs no matter who is found at fault in an accident.
As a result of this system the minimum insurance requirements are a little different. You must carry at least $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). You are strongly advised to buy more than this coverage as accidents costs have been rising and you want to keep yourself fully protected.
To learn more about your legal requirements as a vehicle owner and operator you are advised to get in contact with Florida Department of Highway Safety and Motor Vehicles.
Instant Jacksonville Car Insurance Quotes
The only surefire way to pay less for auto insurance is to compare rates and policy options from as many companies as possible. In the past this was extremely difficult to virtually impossible. However, with the internet you can do so quickly, easily and right from your own home.
To get started with your very own instant Jacksonville auto insurance quotes all you have to do is enter your zip code below. You will then be presented with Florida based insurance companies who want to offer you their best quotes. It’s up to you how many or few you want to get.