The best way we recommend to find lower priced auto insurance rates is to make a habit of regularly comparing prices from insurers who provide auto insurance in Jacksonville.
- Spend a few minutes and learn about how insurance works and the things you can change to keep rates in check. Many policy risk factors that cause high rates such as accidents, traffic tickets, and poor credit can be eliminated by making lifestyle changes or driving safer.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote rates from multiple insurance companies.
- Compare the price quotes to your current policy premium to see if a cheaper price is available in Jacksonville. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide notification to your current company of your intent to cancel your current coverage. Submit the completed application along with a down payment for the new coverage. Once coverage is bound, keep your new certificate verifying proof of insurance somewhere easily accessible.
A key point to remember is to try to compare the same deductibles and limits on each price quote and and to analyze as many companies as feasibly possible. Doing this guarantees the most accurate price comparison and a complete selection of prices.
It’s a fact that auto insurance companies want to keep you from shopping around. Consumers who shop around for better prices will most likely buy a new policy because they stand a good chance of finding more affordable rates. A recent survey revealed that drivers who regularly shopped around saved on average $72 a month compared to drivers who never compared rates.
If finding the lowest price on car insurance in Jacksonville is your intention, then having some insight into how to shop for insurance premiums can help you succeed in saving money.
Locating the best rates in Jacksonville is not that difficult. Just about every car owner who is required to buy auto insurance will find a cheaper policy. But Florida vehicle owners benefit from understanding the methods companies use to market insurance on the web.
These discounts can lower your insurance quotes
Some companies don’t always list all available discounts very clearly, so we took the time to find some of the best known and also the more inconspicuous insurance savings.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
- Distant College Student Discount – Older children living away from Jacksonville attending college without a vehicle on campus may qualify for this discount.
- Save with a New Car – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
- Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
- Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for better insurance rates.
- Discount for Life Insurance – Some insurance companies give a discounted premium rate on car insurance if you buy some life insurance too.
- Government Employees – Employees or retirees of the government may qualify for a discount when you quote Jacksonville car insurance with select insurance companies.
- Professional Organizations – Being a member of a qualifying organization can get you a small discount on your next renewal.
Discounts save money, but please remember that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works. But all discounts will reduce your insurance premiums.
The diagram below visualizes the comparison of Nissan Murano insurance prices with and without some available policy discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, claim-free, and homeowner discounts applied.
A few of the larger companies and some of their more popular discounts are included below.
- Farm Bureau offers discounts for renewal discount, driver training, multi-policy, safe driver, youthful driver, 55 and retired, and good student.
- Liberty Mutual includes discounts for newly retired, exclusive group savings, new graduate, teen driver discount, newly married, safety features, and good student.
- State Farm discounts include accident-free, safe vehicle, good student, good driver, Steer Clear safe driver discount, passive restraint, and driver’s education.
- Auto-Owners Insurance has discounts for air bags, group or association, anti-theft, student away at school, paid in full, safe vehicle, and good student.
- GEICO offers premium reductions for good student, multi-vehicle, military active duty, five-year accident-free, multi-policy, anti-lock brakes, and air bags.
- SAFECO policyholders can earn discounts including multi-car, bundle discounts, homeowner, anti-theft, accident prevention training, drive less, and anti-lock brakes.
If you need affordable Nissan Murano insurance quotes, ask all companies you are considering to give you their best rates. Some discounts listed above might not be available to policyholders in every state. If you would like to view insurance companies who offer online Nissan Murano insurance quotes in Jacksonville, click this link.
When price shopping your coverage, more quotes will increase your chances of finding a lower rate than you’re paying now.
The companies shown below are our best choices to provide price quotes in Florida. If multiple companies are shown, we recommend you get prices from several of them to get the most competitive price.
Insurance coverage details
The table displayed next covers estimates of coverage prices for Nissan Murano models. Knowing how auto insurance policy rates are formulated can be of help when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Murano S AWD | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Murano SL 2WD | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Murano SL AWD | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Murano LE 2WD | $406 | $764 | $418 | $24 | $124 | $1,736 | $145 |
| Murano LE AWD | $406 | $764 | $418 | $24 | $124 | $1,736 | $145 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in garaging location in Jacksonville which can change premium rates significantly.
Analysis of deductible levels
When comparing car insurance rates, the most common question is which deductible level should you buy. The comparison tables below approximate how much more rates are when you choose different coverage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Murano S AWD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Murano SL 2WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Murano SL AWD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Murano LE 2WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Murano LE AWD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Murano S 2WD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Murano S AWD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Murano SL 2WD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Murano SL AWD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Murano LE 2WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Murano LE AWD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in zip code location which can lower or raise price quotes significantly.
Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $44 more each month or $528 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 20 months between claims, you would probably be better off by going with a higher deductible.
The diagram below shows how different deductible levels and can impact Nissan Murano insurance prices for different age groups of insureds. The rates are based on a single male driver, full physical damage coverage, and no discounts are factored in.
Cost of full coverage in Jacksonville
The diagram below illustrates the comparison of Nissan Murano premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The data assumes no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no definitive formula to drop full coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your Nissan Murano claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after the deductible is paid. If you are paying in excess of $300 annually for full coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Buying insurance from Jacksonville insurance agents
A small number of people prefer to go talk to an agent and that is just fine! A nice benefit of price shopping on the web is that you can obtain cheap rate quotes and still buy from a local agent.
Once you complete this short form, your insurance coverage information gets sent to participating agents in Jacksonville who will give you quotes and help you find cheaper coverage. You don’t have to contact any insurance agencies since rate quotes are delivered instantly to you. You can find lower rates and work with a local agent. If for some reason you want to get a comparison quote from a specific insurance company, you would need to go to their quote page and fill out their quote form.
Deciding on an provider is decision based upon more than just the quoted price. Get answers to these questions too.
- When do they do policy reviews?
- Is the quote a firm price?
- Do they have cheaper tiers of coverage?
- Does the company use OEM repair parts?
- Do they regularly work with personal auto policies in Jacksonville?
If you are wanting to find a reputable insurance agent or broker, you need to know there are two different types of agents to choose from. Jacksonville agents can be described as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents in the exclusive channel can usually just insure with one company like State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on sales techniques which can be an advantage. Some people will only buy insurance from these agents mostly because of the brand rather than having the cheapest rates.
Listed below are Jacksonville exclusive insurance agencies that are able to give rate quotes.
- Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829 – View Map - Jim Love – State Farm Insurance Agent
2730 College St – Jacksonville, FL 32205 – (904) 384-5000 – View Map - John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060 – View Map
Independent Insurance Agents
Agents in the independent channel are not employed by any specific company so they have the ability to put coverage through many companies and help determine which has the cheapest rates. If your agent finds better pricing, your agent can switch companies and you stay with the same agent.
When searching for an agent, you will definitely want to get some free quotes from several independent agencies for the best price selection. Most can insure with additional companies that you may not be familiar with that may provide cheaper insurance rates.
Shown below are independent insurance agents in Jacksonville that are able to give comparison quotes.
- All Lines Insurance Agency
4828 Blanding Blvd Suite 1 – Jacksonville, FL 32210 – (904) 376-7200 – View Map - Rumlin Insurance Agency
5600 New Kings Rd #4 – Jacksonville, FL 32209 – (904) 770-4456 – View Map - Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441 – View Map
If you get good feedback and an affordable coverage quote, you may have found an insurance agency that will adequately provide insurance. But keep in mind you are able to cancel your coverage at any time so don’t think you’re contractually obligated to any specific agency indefinitely.
Be persistent and save
As you quote Jacksonville car insurance, do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.
Throughout this article, we presented some good ideas how you can lower your Nissan Murano insurance rates in Jacksonville. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Jacksonville car insurance quotes. Consumers could even find that the lowest rates are with some of the smallest insurance companies.
Low-cost Nissan Murano insurance in Jacksonville is available from both online companies and also from your neighborhood Jacksonville agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not have the ability to get quotes online and most of the time these regional insurance providers sell through independent insurance agencies.
Additional detailed information is located in the articles below:
- Shopping for a Safe Car (Insurance Information Institute)
- What Auto Insurance is Cheapest for Infrequent Drivers in Jacksonville? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Drunk Driving Statistics (Insurance Information Institute)