How to Save on Car Insurance in Jacksonville, FL

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The state of Florida is the 18th most affordable state in the U.S. to buy car insurance. Jacksonville is the most populous city in Florida. The U.S. Census Bureau estimates the population of Florida to be around one million. A large population inevitably means a large number of car owners. The average cost of auto insurance in Jacksonville is $1,497, which is lower than most neighboring locations such as Jacksonville East, Bellair Meadowbrook Terrace, Jacksonville North, Lakeside, and Jacksonville West. The average cost of car insurance in Jacksonville is higher than the average cost of car insurance in Florida. In such circumstances, lowering the rate of insurance would require a lot of comparison and analysis. It is common knowledge that even a minor accident on one’s driving record can increase the cost of insurance.


Jacksonville also has a relatively high rate of auto thefts. While Florida is third on the list of auto thefts in the country, Jacksonville ranks 118th on a list of 380 cities. A high rate of auto theft results in increased car insurance premiums. Demographics also play a crucial role in determining the cost of car insurance. Teenagers, in general, pay the most on car insurance, and Jacksonville is no exception. Some ways to save more on auto insurance are listed below.

Multi-car Insurance:

Car owners with multiple vehicles can improve savings by insuring all their vehicles with the same auto insurance company. Multi-car insurance policies can greatly help in reducing the cost of auto insurance. The cost of insuring two vehicles in Jacksonville is $2,575. This can help in improving savings to $419. Car owners here can save up to $838 on multi-car insurance policies.

Student Discounts:

Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called driver training discount.

Green Discounts:

With the advent of technology to help determine the cost of insurance based on miles drives, insurance companies have also started offering better discounts to drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.

While looking to lower the cost of car insurance, it is also essential to remember to strike a balance between your requirements and the cost. The cost of car insurance is influenced by numerous factors, ranging from micro-level factors such as the street one lives into macro-level factors such as the make of the car. It would also be smart to look into the best insurance companies in Jacksonville and Florida before arriving at a decision.