Finally! You can find cheap auto insurance in Jacksonville, Florida with adequate coverage. How? Simply compare quotes from top rated national and local insurance providers. Its easy! All you have to do is complete one quick online form. It takes just a few minutes. You will save a lot of time and effort. Not to mention up to $450!
Remember that the minimum coverage you need to buy in Florida is:
- $10,000 Personal Injury Protection (PIP)
- $10,000 Property Damage Liability (PDL)
You may have heard it also being called No Fault Insurance or PIP Insurance.
What does No Fault Insurance actually mean?
Its a question many people ask. Especially those who have moved to Florida from other states where the Tort system is used.
In a nutshell, the No Fault Insurance law aims to protect you, if you suffer an injury in an accident, regardless of who was at fault. Its main goal is to reduce lawsuits among drivers and provide medical coverage quickly. Your insurance company will cover your bills even if you caused the accident.
Does that mean you can never sue a driver who was at fault? Well, no. You can file a lawsuit against an at fault driver, but only after specific limits have been met.
Do I need any additional coverage?
Did you know that nearly 20% of the drivers in Jacksonville, Florida drive uninsured or underinsured? That’s a lot! How can you protect yourself and your loved-ones? Add uninsured driver coverage to your policy. Yes, it may increase your premiums, but it will probably be far less than you think.
Are you driving an expensive car? If yes, then you need to consider full coverage auto insurance. Its basically a combination of the minimum required liability insurance plus collision and comprehensive coverage. That way you will be protected if you crash your car. Your insurance company will cover your losses if your vehicle is stolen or even vandalized.
What are the average auto insurance rates in Jacksonville, Florida?
Compared to other cities in Florida, like Miami or Tampa, drivers in Jacksonville do pay less. The average rate is just over $1,400 a year, which is slightly above the national average.
Does that mean that you will pay that much too? Of course, not! Auto insurance depends on many factors other then where you live. Your driving record, the vehicle you drive, age, gender and type of coverage you need will all be taken into account.
And lets not forget that most insurers don’t use the same formula to calculate risk. That’s why, the only guaranteed way to find cheap car insurance in Jacksonville is to compare quotes from different insurance companies. You can call them all one by one and repeat the same information again and again, but that will take a lot of time.
Wouldn’t it be easier if you could submit your details only once and make the insurance providers compete for your business? That way you will have the freedom to choose the right policy for you, while saving time and a lot of money too.