It’s a known fact that auto insurance companies don’t want customers comparing rates. Drivers who compare rates at least once a year are highly likely to switch to a new company because there are good odds of getting low-cost coverage. A recent survey revealed that consumers who make a habit of shopping around saved about $3,400 over four years compared to policyholders who never shopped around for lower prices.
If finding the best rates on insurance is the reason you’re here, learning the best way to quote and compare coverages can save time and make the process easier.
The best way we recommend to get discount auto insurance rates in Jacksonville is to do a yearly price comparison from providers in Florida. Price quotes can be compared by following these guidelines.
Step 1: Read and learn about how insurance companies determine prices and the things you can change to prevent rate increases. Many rating factors that increase rates such as traffic violations, accidents, and an unacceptable credit rating can be amended by making lifestyle changes or driving safer. Continue reading for more details to lower rates and get bigger discounts.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies. Select a company
Step 3: Compare the new quotes to your current policy premium and see if there is a cheaper rate in Jacksonville. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Tell your current company of your decision to cancel your current policy and submit payment and a completed application to your new insurance company. As soon as coverage is bound, safely store the proof of insurance paperwork with the vehicle registration.
One important bit of advice is that you’ll want to compare the same coverage limits and deductibles on each quote request and and to analyze as many auto insurance providers as possible. Doing this provides a fair price comparison and many rates to choose from.
If you have a policy now or need new coverage, use these techniques to buy cheaper car insurance without having to cut coverage. Finding and buying cheaper protection in Jacksonville is not as difficult as people think. Shoppers only need an understanding of the proper way to shop using one simple form.
Companies offering Kia Optima insurance in Jacksonville
The companies shown below are our best choices to provide free rate quotes in Florida. If multiple companies are shown, we suggest you visit several of them to get the most affordable price.
Insurance statistics for a Kia Optima
The information shown next outlines estimates of insurance coverage prices for Kia Optima models. Having insight into how auto insurance premiums are determined is important to be able to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $278 | $532 | $532 | $32 | $160 | $1,534 | $128 |
| Optima EX | $312 | $628 | $532 | $32 | $160 | $1,664 | $139 |
| Optima SX | $312 | $628 | $532 | $32 | $160 | $1,664 | $139 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Table data does not factor in specific location which can impact insurance rates substantially.
Policy deductibles
When buying insurance, a common question is which comprehensive and collision deductibles to buy. The premium rates below determine how much more you’ll pay when you buy lower versus higher coverage deductibles. The first data set uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $358 | $648 | $472 | $28 | $142 | $1,673 | $139 |
| Optima EX | $406 | $764 | $472 | $28 | $142 | $1,837 | $153 |
| Optima SX | $406 | $764 | $472 | $28 | $142 | $1,837 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $262 | $438 | $472 | $28 | $142 | $1,342 | $112 |
| Optima EX | $296 | $516 | $472 | $28 | $142 | $1,454 | $121 |
| Optima SX | $296 | $516 | $472 | $28 | $142 | $1,454 | $121 |
| 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 claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can decrease or increase premium rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible costs about $30 more each month or $360 annually across all Kia Optima models than requesting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 13 months between claims, you would probably save some money if you decide on a higher deductible.
Gender-based insurance premiums
The chart below shows the difference between Kia Optima insurance prices for male and female drivers. The rates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
How do Insurance Providers Determine Kia Optima Insurance Premiums?
Many factors are used when you quote your car insurance policy. Some are obvious like your driving record, but some are not quite as obvious like where you live or your commute time. An important part of buying insurance is that you know the rating factors that are used to determine your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower premium levels.
The following are a few of the things used by companies to determine your rates.
High insurance claims frequency drives up insurance rates – Car insurance companies in Florida award the best rates to people who file claims infrequently. If you frequently file small claims, you can expect higher rates. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Big cities mean more claims – Having an address in a small town is a good thing when buying insurance. People who live in big cities have more traffic problems and longer commutes to work. Lower population means a lower chance of having an accident and lower theft and vandalism rates.
Keep the miles off and save – The higher the miles on your Kia in a year the more it will cost to insure it. The majority of insurers charge to insure your cars based on their usage. Cars and trucks not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. Double check that your insurance policy shows the proper vehicle usage, because it can save money. An improperly rated Optima is throwing money out the window.
Credit history impacts prices – An insured’s credit history is a big factor in calculating your premium rate. Drivers with high credit ratings tend to file fewer claims than drivers with bad credit. Therefore, if your credit leaves room for improvement, you may save money insuring your Kia Optima by improving your credit score.
Job stress can affect premiums – Did you know that where you work can have an impact on rates? Jobs such as doctors, executives, and accountants tend to have the highest rates because of high stress and lots of time spent away from family. Other occupations like scientists, athletes and performers get better rates.
Additional coverages that may be costing you – Policies have optional add-on coverages that can waste your money when buying insurance. Coverage for things like rental car reimbursement, death and dismemberment, and additional equipment coverage are examples of these. They may sound like good ideas when discussing your needs, but now you might not need them so get rid of them and save.
Get a ticket, pay higher costs – Whether or not you get tickets has a big impact on rates. Drivers with clean records get better rates than their less careful counterparts. Even one driving citation could increase your next policy renewal forty percent or more. Drivers who have received severe tickets like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent a license revocation.
The illustration below shows how traffic citations and accidents raise Kia Optima yearly insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Insurance losses for a Kia Optima – Car insurance companies factor in insurance loss information in order to profitably underwrite each model. Vehicles that the data shows to have increased losses will have higher premium rates. The table below shows the insurance loss data for Kia Optima vehicles.
For each insurance policy coverage type, the loss probability for all vehicles averaged together is equal to 100. Numbers under 100 are indicative of better than average losses, while percentage numbers above 100 show a trend for more claims or tendency to have larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Optima | 115 | 101 | 107 | 133 | 142 | 120 |
| Kia Optima Hybrid | 143 | 115 | 116 | 139 | 158 | 151 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Jacksonville insurance discounts
Buying insurance is not cheap, but you can get discounts that could help you make your next renewal payment. Certain discounts will be applied at the time you complete a quote, but a few need to be specifically requested before you get the savings. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.
- Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
- Paperless Signup – A few companies provide a small discount shop Jacksonville car insurance on the web.
- New Vehicle Savings – Insuring a vehicle that is new can save you some money since newer vehicles have better safety ratings.
- Accident-Free Discounts – Drivers with accident-free driving histories get the best insurance rates when compared to frequent claim filers.
- Multiple Cars – Buying a policy with primary and secondary vehicles with the same insurance company can get a discount on all vehicles.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save a little off PIP or medical payments premium.
One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, insurance companies aren’t that generous.
The chart below shows the comparison of Kia Optima car insurance costs with and without discounts applied. The premiums assume a female driver, a clean driving record, 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 multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.
If you would like to choose from a list of insurance companies who offer discounts in Florida, follow this link.
Can’t I compare rates from local Jacksonville insurance agents?
A lot of people still prefer to get advice from a local agent and that is a smart decision Good agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of getting free rate quotes online is you can get cheap auto insurance rates and still buy from a local agent.
To make it easy to find an agent, after completing this quick form, your coverage information gets sent to insurance agents in Jacksonville who will gladly provide quotes to get your business. There is no reason to even leave your home as quotes are delivered immediately to you. In the event you want to compare prices from a specific insurance company, just find their quoting web page and give them your coverage information.
Deciding on a company needs to be determined by more than just the premium amount. These questions are important to ask:
- Is the agent properly licensed in Florida?
- Are there any extra charges for paying monthly?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How often do they review coverages?
- Where are claims handled?
- Is the agent CPCU or CIC certified?
- Can glass claims be handled at your home?
If you prefer to buy auto insurance from a reputable agency, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Jacksonville agents can be categorized as either independent agents or exclusive agents. Both types of agents can sell auto insurance policies, but it’s worth learning the differences since it may influence which type of agent you select.
Exclusive Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company like Allstate, State Farm and Farmers Insurance. They usually cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years primarily because of the prominence of the brand instead of buying on price only.
Shown below is a short list of exclusive insurance agencies in Jacksonville who may provide you with comparison quotes.
- David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 – View Map - Allstate
13947 Beach Blvd #206 – Jacksonville, FL 32224 – (904) 992-0002 – View Map - Allstate Insurance: James R. Stamper
3450 Dunn Ave Ste 104 – Jacksonville, FL 32218 – (904) 765-2919 – View Map
Independent Agents
Independent agents do not sell for just one brand and that enables them to quote your coverage with any number of different companies and find you the best rates. If premiums increase, they simply move the coverage in-house and that require little work on your part.
If you are comparing auto insurance prices, you need to include multiple independent agents to have the most options to choose from. Many independent agencies also insure through additional companies that you may not be familiar with which can be an advantage.
Listed below is a short list of independent insurance agencies in Jacksonville that are able to give rate quotes.
- Rumlin Insurance Agency
5600 New Kings Rd #4 – Jacksonville, FL 32209 – (904) 770-4456 – View Map - State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map - Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map
Once you have received good responses for all questions you ask and a good coverage price, chances are good that you have found an insurance agency that is a good match to properly service your auto insurance policy. Just be aware that you are entitled to cancel coverage at any time so don’t assume you are locked into the auto insurance policy with no way to switch.
When should I discuss my situation with an agent?
When it comes to buying proper insurance coverage, there really isn’t a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight if you would benefit from an agent’s advice.
- What is an umbrella policy?
- Is my state a no-fault state?
- If I use my vehicle for business use is it covered?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Why am I be forced to buy a membership to get insurance from some companies?
- When should I not buy collision coverage?
- Should I rate my vehicle as business use?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.
Insurance savings summarized
We just covered a lot of tips how to lower your Kia Optima insurance premium rates in Jacksonville. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive Jacksonville car insurance quotes. Drivers may even discover the best price on insurance is with the least-expected company.
People leave their current company for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, delays in responding to claim requests or poor customer service. It doesn’t matter what your reason, switching companies is easier than you think.
When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. In too many instances, an accident victim reduced full coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
To learn more, link through to the articles below:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- How Much are Jacksonville Car Insurance Quotes for Single Moms? (FAQ)
- Who Has Cheap Auto Insurance for a Learners Permit in Jacksonville? (FAQ)
- Who Has Affordable Jacksonville Auto Insurance for Electric Cars? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a GMC Sierra in Jacksonville? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Uninsured Drivers in Jacksonville? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Bodily Injury Coverage (Liberty Mutual)