Unbelievable but true according to a study most consumers in Florida kept their coverage with the same auto insurance company for more than four years, and practically 40% of auto insurance customers have never shopped around. U.S. drivers can cut their rates by 46.5% a year by just comparing rate quotes, but they don’t understand how simple it is to compare rate quotes online.
The best way we recommend to get cheaper Acura RL insurance in Jacksonville is to make a habit of regularly comparing prices from insurance carriers in Florida. Prices can be compared by following these guidelines.
- It will benefit you to learn about how insurance companies determine prices and the measures you can control to keep rates down. Many factors that cause rate increases like high-risk driving behaviors and a low credit rating can be rectified by improving your driving habits or financial responsibility. Read the full article for more information to get cheaper coverage and find more discounts that you may not know about.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple companies. Start a quote
- Compare the new quotes to your existing policy and determine if there is any savings. If you can save some money and change companies, make sure coverage does not lapse between policies.
- Provide proper notification to your current company to cancel the current policy and submit a signed application and payment to the new company. As soon as you can, place your new certificate verifying proof of insurance with your vehicle’s registration.
One tip to remember is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to get rates from every insurance company. Doing this enables a fair rate comparison and a thorough price selection.
If you are paying for car insurance now, you will surely be able to lower your rates using the concepts covered in this article. Buying the cheapest car insurance in Jacksonville seems hard but is not really that difficult. Although Florida car owners do need to know how the larger insurance companies set your policy premium because rates fluctuate considerably.
To find cheaper rates, there are a couple of ways of comparing rate quotes from lots of Florida auto insurance companies. The easiest way to find the lowest Acura RL rates is to jump online and get quotes.
It’s so simple to compare auto insurance quotes online takes the place of having to drive around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you’re the type of person who wants the professional advice that you can only get from talking to an agent. You can, however, get prices online but buy the policy through an agent.
It’s important to know that comparing more prices provides better odds of finding better pricing. Some smaller insurers do not give Jacksonville RL insurance quotes online, so you also need to get quotes from the smaller companies as well.
The companies in the list below provide free quotes in Florida. If multiple providers are shown, we recommend you visit two to three different companies to get a more complete price comparison.
Auto insurance just makes sense
Despite the potentially high cost of Acura RL insurance, buying auto insurance serves a purpose in several ways.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability protection if you don’t want to risk a ticket. 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 you have a loan on your RL, most banks will make it mandatory that you buy full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Acura at a more expensive rate and force you to pay for the expensive policy.
- Auto insurance protects not only your Acura RL but also your financial assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your Acura gets damaged, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are definitely more than the cost, especially for larger claims. According to a 2015 survey, the average American driver is currently overpaying as much as $855 a year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Rate information and statistics
The data table below outlines detailed analysis of coverage costs for Acura RL models. Having a better understanding of how insurance rates are determined is important for you to make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $312 | $692 | $472 | $28 | $142 | $1,646 | $137 |
| RL 3.7 with Tech Package | $312 | $692 | $472 | $28 | $142 | $1,646 | $137 |
| RL 3.7 with Tech/CMBS Package | $312 | $692 | $472 | $28 | $142 | $1,646 | $137 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can change coverage rates noticeably.
Physical damage deductible comparison
One of the most common auto insurance questions is what deductibles to buy. The comparison tables below sum up the price difference when you buy lower versus higher insurance deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| RL 3.7 with Tech Package | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| RL 3.7 with Tech/CMBS Package | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $364 | $672 | $418 | $24 | $124 | $1,602 | $134 |
| RL 3.7 with Tech Package | $364 | $672 | $418 | $24 | $124 | $1,602 | $134 |
| RL 3.7 with Tech/CMBS Package | $364 | $672 | $418 | $24 | $124 | $1,602 | $134 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price estimates do not factor in vehicle location which can change prices noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $40 more each month or $480 every year than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have more than 10 months between claims, you would come out ahead if you decide on a higher deductible. The numbers below show a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $174 |
| Average monthly premium for $500 deductibles (subtract): | – $134 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you have a physical damage claim. That will require enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.
The diagram below demonstrates how deductibles and can increase or decrease Acura RL insurance rates for different ages of insureds. The premiums are based on a married male driver, full physical damage coverage, and no discounts are applied.
Do you qualify for discounts?
Auto insurance companies do not advertise the entire discount list very well, so the following is a list of both the well known as well as the least known credits available to lower your premiums when you buy Jacksonville car insurance online.
- Membership in Organizations – Being in a civic or occupational organization in Jacksonville is a simple method to lower premiums on your next renewal.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
- More Vehicles More Savings – Buying a policy with multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
- No Claims – Claim-free drivers can save substantially compared to drivers with a long claim history.
- Active Service Discounts – Being deployed in the military may qualify for rate reductions.
- Discounts for Good Drivers – Accident-free drivers can save as much as half off their rates compared to rates paid by drivers with frequent claims.
Just know that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The example below visualizes the comparison of Acura RL car insurance costs with and without discounts. The information is based on a male driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, safe-driver, and marriage discounts applied.
A few companies that have most of these discounts include:
Before you buy a policy, ask every prospective company which discounts they offer. Discounts may not be offered in Jacksonville. To choose providers that offer some of these discounts in Florida, follow this link.
Are auto insurance agents of importance?
Many drivers would prefer to buy from a local agent and that is just fine! The best thing about getting free rate quotes online is that you can find cheap auto insurance rates but still work with a licensed agent.
Once you complete this simple form, your information is transmitted to agents in your area that can give you free Jacksonville car insurance quotes for your insurance coverage. You won’t even need to contact an agency as quotes are delivered immediately to your email address. You can find the lowest rates and a licensed agent to work with. In the event you want to quote rates from a particular provider, don’t hesitate to find their quoting web page to submit a rate quote request.
Finding a good provider should include more criteria than just the premium amount. Here are some questions to ask:
- Does the company have a solid financial rating?
- Do they offer accident forgiveness?
- What is the agency’s Better Business Bureau rating?
- Do they regularly work with personal auto policies in Jacksonville?
- Is insurance their full-time profession?
Types of car insurance agents
If you are wanting to purchase auto insurance from local Jacksonville agents, it helps to know the two different types of agencies that you can select. Auto insurance policy providers can be classified as either independent or exclusive depending on the company they work for.
Exclusive Agents
Exclusive agents can only place business with one company like AAA, Allstate, and State Farm. Exclusive agencies are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are usually well trained on their company’s products which helps overcome the inability to quote other rates.
The following is a list of exclusive agencies in Jacksonville who may provide you with price quote information.
Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422 – View Map
Kim Lego – State Farm Insurance Agent
13820 Old St Augustine Rd #401 – Jacksonville, FL 32258 – (904) 268-9900 – View Map
John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060 – View Map
Independent Auto Insurance Agencies
These agents do not work for one specific company so they can quote policies through many different auto insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, they can switch companies in-house and you can keep the same agent. If you need lower rates, we recommend you contact several independent insurance agents to have the most options to choose from.
Below is a short list of independent insurance agents in Jacksonville willing to provide rate quotes.
Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map
Rumlin Insurance Agency
5600 New Kings Rd #4 – Jacksonville, FL 32209 – (904) 770-4456 – View Map
Dwight Bacon Insurance Agency
6409 Merrill Rd – Jacksonville, FL 32277 – (904) 641-5940 – View Map
If you feel you receive good answers as well as offering an affordable quote, you may have found an auto insurance agent that can provide auto insurance coverage.
Lower rates by being persistent
When you buy Jacksonville car insurance online, do not reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.
Lower-priced auto insurance in Jacksonville can be sourced online as well as from insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not provide price quotes online and most of the time these regional carriers work with independent agents.
We just showed you some good ideas how to get a better price on Acura RL insurance in Jacksonville. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheaper Jacksonville car insurance quotes. Drivers may even discover the lowest premium rates come from some of the lesser-known companies. Some small companies can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.
For more information, feel free to browse the resources below:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for 4×4 Vehicles in Jacksonville? (FAQ)
- How Much are Jacksonville Auto Insurance Rates for 17 Year Olds? (FAQ)
- How Much are Jacksonville Auto Insurance Quotes for a Chevrolet Traverse? (FAQ)
- How Much is Jacksonville Auto Insurance for a Ford Escape? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Help Your Teen Be a Better Driver (State Farm)
- Learn About Car Insurance (GEICO)
- Drunk Driving Statistics (Insurance Information Institute)