Overwhelmed by the wide range of auto insurance companies that you can choose from? Lot’s of other people are too. Florida drivers have so many choices that it can be a difficult situation to find a cheaper company. Jacksonville has many things to offer, but having to pay for pricey auto insurance can make it difficult for lots of drivers to buy full coverage.
Steps to finding the cheapest rates for Honda CR-V insurance in Jacksonville
The easiest way to find affordable auto insurance rates in Jacksonville is to make a habit of comparing prices annually from insurance carriers that sell auto insurance in Florida.
Step 1: Try to learn a little about the coverage provided by your policy and the things you can change to keep rates low. Many rating criteria that drive up the price like speeding tickets, accidents and a not-so-good credit score can be rectified by making minor changes in your lifestyle.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of insurance providers.
Step 3: Compare the new rates to the price on your current policy to see if you can save by switching companies. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is that you use identical coverages on each price quote and and to look at as many companies as possible. This enables an accurate price comparison and a better comparison of the market.
It goes without saying that insurance companies want to prevent you from shopping around. Insureds who shop rates annually are very likely to switch auto insurance companies because there is a great chance of finding discount prices. A recent auto insurance study discovered that consumers who shopped around annually saved $72 a month as compared to drivers who never shopped around for lower prices.
If finding the best rates on Honda CR-V insurance in Jacksonville is your target objective, then learning about the best way to shop and compare cheaper coverage can make the process less intimidating.
It’s smart to do rate comparisons every six months since prices tend to go up over time. Even if you think you had the best rates on Honda CR-V insurance in Jacksonville six months ago you can probably find a better rate quote now. There is a lot of bad advice regarding CR-V insurance online, but I’m going to show you some great ideas on how to slash your auto insurance rates in Jacksonville.
How to compare free Jacksonville Honda CR-V insurance rate quotes
When comparison shopping, there are several ways of comparing price quotes from many available car insurance companies in Florida. The fastest way to lower the rate you pay for Honda CR-V insurance is to use the internet to compare rates.
Keep in mind that having more price comparisons increases the chance that you will find a lower rate. Some companies don’t provide online Jacksonville CR-V insurance quotes, so you should also compare quotes on coverage from those companies, too.
The companies shown below can provide price comparisons in Jacksonville, FL. If more than one company is shown, we suggest you compare several of them to get the lowest price.
Auto insurance statistics for a Honda CR-V
The premium table displayed next covers different prices for Honda CR-V models. Having a good understanding how car insurance prices are determined can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $270 | $504 | $460 | $28 | $138 | $1,400 | $117 |
| CR-V EX 2WD | $270 | $504 | $460 | $28 | $138 | $1,400 | $117 |
| CR-V LX 4WD | $270 | $504 | $460 | $28 | $138 | $1,400 | $117 |
| CR-V EX 4WD | $310 | $504 | $460 | $28 | $138 | $1,440 | $120 |
| CR-V EX-L 2WD | $310 | $504 | $460 | $28 | $138 | $1,440 | $120 |
| CR-V EX-L 4WD | $310 | $504 | $460 | $28 | $138 | $1,440 | $120 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower premium rates greatly.
Car insurance does more than just repair your car
Despite the high cost of buying insurance for a Honda CR-V in Jacksonville, maintaining insurance is not optional due to several reasons.
First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. 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.
Second, if you have a lien on your vehicle, it’s guaranteed your bank will force you to carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Honda at a more expensive rate and force you to pay the higher premium.
Third, car insurance protects not only your car but also your financial assets. It will also cover most medical and hospital costs incurred in an accident. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If your Honda gets damaged, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance outweigh the cost, especially if you ever need it. Today the average American driver overpays more than $830 a year so compare rates at least once a year to save money.
Insurance policy discounts you can’t miss
Companies that sell car insurance don’t always list every discount in an easy-to-find place, so the list below contains a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Jacksonville auto insurance online.
- Passenger Safety Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
- Renewal Discounts – Some insurance companies give discounts for switching to them prior to your current CR-V insurance policy expiration. You may see this discount when you get Jacksonville auto insurance quotes online.
- Claim-Free Discount – Drivers with accident-free driving histories pay much less as compared to bad drivers.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school.
- Data Collection Discounts – Policyholders that allow data collection to analyze their driving habits by installing a telematics device such as State Farm’s In-Drive might get better premium rates if they show good driving skills.
Just know that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears it’s possible to get free car insurance, you’re out of luck.
The diagram below shows the difference between Honda CR-V insurance premiums with and without discounts applied. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, claim-free, safe-driver, and multi-car discounts applied.
Insurance companies that possibly offer most of these discounts are:
If you are trying to find inexpensive Jacksonville auto insurance quotes, ask every insurance company which discounts can lower your rates. All car insurance discounts might not be available to policyholders everywhere.
Insurance agents are professional risk managers
Many people prefer to go talk to an agent and that is recommended in a lot of cases One of the great benefits of comparing rate quotes online is you can get cheaper rates and also buy local.
After filling out this short form, your coverage information gets sent to local insurance agents in Jacksonville who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent straight to your inbox. You can get cheaper insurance rates without the usual hassles of price shopping. In the event you want to get a comparison quote from a specific insurance company, don’t hesitate to jump over to their website and submit a quote form there.
Selecting an company should include more criteria than just the quoted price. Agents should be asked these questions:
- What discounts might you be missing?
- Will they give you a referral list?
- Are all drivers listed on the coverage quote?
- What company holds the largest book of business for them?
- Are there any extra charges for paying monthly?
- How does the company pay claims for a total loss?
If you want to buy insurance from a good insurance agency, it’s important to understand the different types of agencies and how they operate. Insurance policy providers are considered either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agencies
Exclusive insurance agents can only provide one company’s prices such as American Family, State Farm, and AAA. They generally cannot provide other company’s prices so they really need to provide good service. Exclusive agents are well schooled in insurance sales which aids in selling service over price. Consumers often choose to use a exclusive agent primarily because of high brand loyalty and the convenience of having all coverages with one company.
Listed below are Jacksonville exclusive agencies that can give you price quotes.
- Edie Williams – State Farm Insurance Agent
2325 Park St – Jacksonville, FL 32204 – (904) 425-4054 – View Map - Margie Harner – State Farm Insurance Agent
4540 Southside Blvd #1102 – Jacksonville, FL 32216 – (904) 296-2500 – View Map - Allstate Insurance: James R. Stamper
3450 Dunn Ave Ste 104 – Jacksonville, FL 32218 – (904) 765-2919 – View Map
Independent Agents (or Brokers)
These type of agents often have many company appointments so they can quote policies amongst many companies and find you the best rates. If premiums increase, they can switch companies in-house and you can keep the same agent. If you are comparing insurance prices, you need to include price quotes from independent agents so that you can do a thorough price comparison. Most also have access to small regional insurance companies who may have lower rates.
Listed below is a list of independent insurance agencies in Jacksonville who can help you get rate quotes.
- Frye Insurance Agency, Inc.
1851 University Blvd S – Jacksonville, FL 32216 – (888) 812-2985 – View Map - Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map - Jim White Insurance Agency
1840 Dunn Ave #6 – Jacksonville, FL 32218 – (904) 751-2222 – View Map
Auto insurance coverages 101
Knowing the specifics of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Honda CR-V.
Due to the fact that many Florida drivers carry very low liability coverage limits (10/20/10 in Florida), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Liability insurance
Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 10/20/10 that means you have $10,000 in coverage for each person’s injuries, $20,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability coverage pays for claims like structural damage, bail bonds, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing higher limits.
The illustration below shows why minimum state limits may not provide you with enough coverage.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like sideswiping another vehicle, crashing into a building, colliding with a tree, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your CR-V to bring the cost down.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, funeral costs and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible
Comprehensive coverage (or Other than Collision)
This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as damage from getting keyed, hail damage, damage from flooding and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Affordable car insurance rates are possible
When searching for affordable Honda CR-V insurance quotes, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured cut liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price.
We just showed you many tips how you can get a better price on Honda CR-V insurance in Jacksonville. The most important thing to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. You may even discover the lowest rates are with some of the lesser-known companies.
There are still a few companies who don’t offer rates over the internet and many times these regional insurance providers work with independent insurance agencies. Budget-conscious Honda CR-V insurance can be purchased on the web and from local agencies, so you should compare both in order to have the best chance of saving money.
Steps to saving on Honda CR-V insurance in Jacksonville
The most effective way to find low-cost Honda CR-V insurance in Jacksonville is to regularly compare price quotes from different companies in Florida.
- Step 1: Try to learn a little about the coverage provided by your policy and the steps you can take to prevent rate increases. Many factors that result in higher rates such as traffic tickets, fender benders, and a not-so-good credit history can be amended by making minor changes in your lifestyle.
- Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple sources. View companies
- Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Jacksonville. If you can save money, make sure coverage does not lapse between policies.
- Step 4: Give notification to your current company to cancel your existing policy and submit the application along with any required down payment to your new company or agent. Once the application is submitted, place your new proof of insurance paperwork in your vehicle’s glove compartment or console.
The key thing to remember is to try to use identical coverage information on every quote and and to compare every insurance company. Doing this helps ensure the most accurate price comparison and a better comparison of the market.
Additional information is available at the links below
- Five Mistakes to Avoid (Insurance Information Institute)
- What Auto Insurance is Cheapest for 16 Year Olds in Jacksonville? (FAQ)
- How Much are Auto Insurance Rates for a Toyota Tacoma in Jacksonville? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)