It’s hard to avoid all the captivating commercials from companies like Liberty Mutual and Nationwide claiming the cheapest rates. So drivers just need to choose one randomly, right?
That is not the case, however, as there are a whole bunch of unknown elements such as where you live, the amount of liability coverage you want, your gender, and what level of deductibles you need. The information below covers the different ways you can keep rates low and will give you some help in finding cheaper rates.
Buying reasonably-priced car insurance is not most people’s favorite thing to do, and determining which company offers the cheapest car insurance rates for welfare recipients will involve more quotes for comparison.
Every insurance company uses a different method to determine rates, so we’ll go over the car insurance companies with the most affordable rates in Jacksonville.
Find Cheaper Car Insurance in Florida
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $948 |
| 2 | Electric | $1,712 |
| 3 | Amica | $1,712 |
| 4 | Progressive | $1,829 |
| 5 | Travelers | $1,888 |
| 6 | Mercury | $1,973 |
| 7 | Allied | $1,985 |
| 8 | State Farm | $2,068 |
| 9 | Esurance | $2,102 |
| 10 | Auto-Owners | $2,107 |
| 11 | GEICO | $2,172 |
| 12 | Allstate | $2,340 |
| 13 | 21st Century | $2,373 |
| 14 | Windhaven Insurance | $2,575 |
| 15 | MetLife | $2,870 |
| 16 | Safeco | $2,898 |
| 17 | Hanover | $2,964 |
| 18 | Liberty Mutual | $3,131 |
| 19 | United Automobile | $3,527 |
| 20 | Direct General | $3,942 |
| Find Cheaper Rates Go | ||
USAA quotes some of the lowest car insurance rates in Jacksonville at around $948 each year. This is $1,500 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also some of the cheapest Jacksonville, FL insurance companies.
As the example above demonstrates, if you currently have coverage with Progressive and switched to Electric, you may see an annual savings of in the neighborhood of $117. Insureds with Travelers may save as much as $176 a year, and Mercury policyholders might lower prices by up to $261 a year.
Remember that these estimates are averages for all drivers and vehicles in Florida and and are not calculated with an exact zip code location for welfare recipients. So the company that can offer you the best price may not even be in the list above. That affirms the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
The make and model of vehicle on the policy is one of the largest factors when comparison shopping for the lowest-priced auto insurance for welfare recipients. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.
The data below illustrates coverage prices for a selection of the cheapest vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,162 |
| Ford Escape XLS 4WD | $1,248 |
| Honda Accord EX 4-Dr Sedan | $1,257 |
| Ford Edge SE 2WD | $1,366 |
| Ford Explorer Eddie Bauer 4WD | $1,373 |
| Ford F-150 Lariat Crew Cab 2WD | $1,383 |
| Toyota Prius | $1,385 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,395 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,445 |
| Chevrolet Impala LS | $1,450 |
| Chevrolet Malibu LTZ | $1,445 |
| Nissan Rogue S 2WD | $1,455 |
| Ford Fusion SEL 4-Dr Sedan | $1,445 |
| Chevrolet Equinox LS 2WD | $1,474 |
| Dodge Grand Caravan Crew | $1,503 |
| Compare Cheap Rates Go | |
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in vehicle location which can raise or lower coverage prices noticeably.
Looking at the rates, we can expect models like the Honda CR-V, Ford Escape, and Honda Accord are most likely to be a few of the most budget-friendly vehicles to insure for drivers on welfare.
Full coverage versus liability only rates
Finding the cheapest car insurance is important to most drivers, and one of the best ways to buy cheap insurance for welfare recipients is to only pay for liability coverage. The chart below illustrates the comparison of insurance prices with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.
On average, full coverage costs $2,186 per year more than just buying liability only. That raises the question if you should buy full coverage. There is no exact rule of when to eliminate full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
There are some circumstances where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Safe drivers pay less for car insurance
One of the best ways to receive good car insurance rates in Jacksonville for drivers on welfare is to pay attention while driving and maintain a clean driving record. The chart below shows how traffic citations and accident claims can impact premium costs for different age categories. The premiums assume a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of an auto insurance policy per year with no accidents or violations is $2,186. Factor in two speeding tickets and the average cost increases to $2,896, an increase of $710 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for welfare recipients jumps again to an average of $5,515. That’s an increase of $3,329, or $277 per month, just for being a careless driver!
Your low-price policy may be costing you money
Jacksonville car insurance rates are impacted by many things that can increase the price of your policy. Turning one year older, moving across town, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be cheaper than others.
Not only may your situation change, but companies change the rates they charge in Florida as often as every three months to reflect underwriting profits or losses. Unexpectedly high claims may result in additional premium costs, while lower claims can produce cheaper Jacksonville car insurance rates.
To illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Jacksonville, FL for a 30-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate rates based on his current situation, USAA might quote the lowest car insurance rates in Jacksonville at $1,140 a year. This is $1,308 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are also on the list of the cheapest Jacksonville, FL auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison some claims, less-than-perfect credit, and a blemish on his driving record. Since every insurance provider has a proprietary formula for setting prices, analyzing rates may result in a different list of companies as shown below.
USAA now has the cheapest auto insurance in Jacksonville with Allied, Esurance, State Farm, and Auto-Owners now being in the top five. This shows why it is crucial to take the time to shop around to get the best car insurance quotes for welfare recipients. Insurance prices are determined by many factors and change dramatically, so the best price three years ago may now cost much more than other companies.
If you wish to have the advice of a professional agent when comparing insurance rates for drivers on welfare, the agents listed below are a good start to help you determine which coverages you need. To find an agent by location nearest to you, click the button link following the list.
A and B Insurance Agency, Inc
2153 Blanding Blvd – Jacksonville, FL 32210 – (904) 388-6446
David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156
Homer St Clair – State Farm Insurance Agent
7305 Merrill Rd – Jacksonville, FL 32277 – (904) 743-7422
View map of Jacksonville, FL insurance agents
How to find cheaper car insurance for welfare recipients
It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help Florida drivers find more affordable auto insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Improve your credit
- Buy safe vehicles
- Do not waste money insuring older vehicles for full coverage
- Being accident-free can lower rates significantly
- Compare rate quotes frequently
That last tip is highly critical, as was affirmed in this write-up. Prices change frequently, so don’t be afraid to switch carriers if a lower price can be found.
Staying with the same company for years is fine, but it’s not a great idea if that dedication is costing big bucks every year. Take a couple minutes and compare prices to find cheaper auto insurance for welfare recipients in Jacksonville.