Neptune Beach, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Neptune Beach, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Neptune Beach, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Neptune Beach, FL Auto Insurance Rates
- Neptune Beach, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Neptune Beach, FL
- Multi Vehicle Insurance Savings in Neptune Beach, FL
- How Credit Score Affects Car Insurance Rates in Neptune Beach, FL
- How DUI Affects Auto Insurance Premiums in Neptune Beach, FL
- Top Auto Insurance Agents Near Neptune Beach, FL
- How Driving Violations Affect Auto Insurance Rates in Neptune Beach, FL
- Neptune Beach, FL Auto Insurance Discounts on Anti Theft Feature
Neptune Beach, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Neptune Beach, FL with that of other cities in and around Neptune Beach.
| Neptune Beach | Sawgrass | Palm Valley | Jacksonville Beaches | Jacksonville Beach | Ponte Vedra | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,376 | $2,502 | $2,473 | $2,327 | $2,336 | $2,508 |
Neptune Beach, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Neptune Beach, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Neptune Beach | $1,845 | $1,558 |
| Atlantic Beach | $1,454 | $1,228 |
| Jacksonville Beaches | $1,897 | $1,603 |
| Jacksonville Beach | $1,891 | $1,597 |
| Palm Valley | $1,099 | $928 |
| Ponte Vedra | $1,358 | $1,147 |
| Sawgrass | $1,609 | $1,359 |
| Jacksonville East | $1,676 | $1,415 |
Neptune Beach, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Neptune Beach, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $7,710 |
| 20 Years | $3,053 |
| 30 Years | $2,351 |
| 40 Years | $2,262 |
| 50 Years | $2,095 |
| 60 Years | $2,124 |
| 70 Years | $2,473 |
Neptune Beach, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Neptune Beach, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $4,087 | $665 |
| 3 Vehicles | $6,130 | $998 |
| 4 Vehicles | $8,173 | $1,331 |
Savings on 2 Vehicles bundle:$665
Savings on 3 Vehicles bundle:$998
Savings on 4 Vehicles bundle:$1,331
Neptune Beach, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Neptune Beach, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Neptune Beach | $2,376 | $3,719 |
| Atlantic Beach | $2,374 | $3,715 |
| Jacksonville Beaches | $2,327 | $3,642 |
| Jacksonville Beach | $2,336 | $3,656 |
| Palm Valley | $2,473 | $3,870 |
| Ponte Vedra | $2,508 | $3,925 |
| Sawgrass | $2,502 | $3,916 |
| Jacksonville East | $2,169 | $3,395 |
Neptune Beach, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $2,039 |
| Excellent (740-799) | $2,327 |
| Good (670-739) | $2,476 |
| Average (580-669) | $3,230 |
| Poor (300-579) | $3,876 |
Neptune Beach, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| St Johns Insurance Agency | Travelers | 115 Solana Rd Suite B , Ponte Vedra Beach, 32082 | (904) 543-6520 |
| The Della Porta Group Inc | Liberty Mutual Independent | 7807 BAYMEADOWS RD E STE 301, JACKSONVILLE, 32256 | (904) 646-0310 |
| Greene Hazel Insurance Group | None | 10739 Deerwood Park Boulevard Suite 200, Jacksonville, 32256 | (904) 404-7438 |
| Phillip Ulsch | Allstate | 9119 Merrill Rd Ste 8, Jacksonville, 32225 | (904) 743-6661 |
| Randy Taylor | State Farm | 3041-1 Monument Rd, Jacksonville, 32225-5711 | 904-642-2400 |
| Beach Insurance Llc | Travelers | 100 CORRIDOR ROAD SOUTH SUITE 250, PONTE VEDRA BEACH, 32082 | 904-285-2464 |
| David Cattin | Allstate | 2294 Mayport Rd Ste 19B, Atlantic Beach, 32233 | (904) 249-1115 |
| Hillegass, Wilson & Cowan, Inc. | None | 415 3Rd St N , Jacksonville Beach, 32250 | None |
| First Choice Insurance Intermediaries, Inc. | None | 814 A1A North Ste 302 , Ponte Vedra Beach, 32082 | None |
| Greene-Hazel & Associates Inc | Travelers | 10739 DEERWOOD PARK BLVD STE 200, JACKSONVILLE, 32256 | 904-398-1234 |
| Aaa Insurance Agency | None | 840 A1A N Ste 180 , Ponte Vedra Beach, 32082 | None |
| Aon Private Risk Management Ins Agency Inc | Travelers | 13901 SUTTON PARK DR S BLDG C STE 360, JACKSONVILLE, 32224 | 904-724-2001 |
| Jim Chitty Jr | State Farm | 2801 St Jns Blf Rd S Ste 3, Jacksonville, 32246-3743 | 904-641-6844 |
Neptune Beach, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$105 | $2,481 |
| Driver's Failure In Showing Documents | +$230 | $2,606 |
| Driving With An Expired Registration | +$245 | $2,621 |
| Driving At A Considerably Slow Pace | +$516 | $2,892 |
| Using A Cellphone While Driving | +$544 | $2,920 |
| Running A Red Light | +$554 | $2,930 |
| Speeding | +$582 | $2,958 |
| Driving A Vehicle Without The Required Permission | +$739 | $3,115 |
| Driving With An Expired/Suspended License | +$1,601 | $3,977 |
Neptune Beach, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,281 |
| Active Disabling Device | $2,281 |
| Tracking Device | $2,233 |
| Passive Disabling Device | $2,210 |