Do you need a better way to compare more affordable car insurance rates in Jacksonville, NC? Are you regretting buying an overpriced car insurance policy? You're in good company because there are many people just like you.

Unbelievably, a large majority of drivers kept buying from the same company for well over three years, and almost 40% of drivers have never quoted car insurance rates at all. Drivers in Jacksonville could save almost 10% each year just by shopping around, but they underestimate how much money they would save if they moved their coverage to a different company.

There is such a variety of car insurance companies to purchase coverage from, and although it's a good thing to be able to choose, so many choices can make it hard to find the best rates.

You should make it a habit to get comparison quotes at least once a year since insurance prices change frequently. Even if you think you had the best deal on car insurance a couple years back you may be paying too much now. Block out anything you think you know about car insurance because you're going to get a crash course in the fastest way to lower your annual insurance bill.

The purpose of this article is to familiarize you with the most effective way to quote insurance and how you can save the most money. If you're already insured, you should be able to lower your rates using the ideas presented in this article. But North Carolina consumers should learn the way companies calculate their prices and use this information to your advantage.

Auto insurance quotes comparison

To find inexpensive Jacksonville auto insurance quotes, there are several ways of comparing rate quotes from all the different companies. The best method to find the cheapest insurance rates consists of obtaining rate quotes online.

Comparison shopping rates online is easy and it makes it a waste of time to physically go to each insurance agency near you. Doing it all online reduces the need to sit down with an agent unless you have a complicated situation and need the professional assistance only provided by licensed Jacksonville agents. It is possible with some companies get prices online but have a local Jacksonville agent actually write the policy.

Keep in mind that obtaining a wide range of quotes will improve the odds of getting a better price. Not every company does quotes online, so you need to compare quotes from those companies as well.

The companies shown below provide free rate quotes in North Carolina. If multiple companies are shown, we recommend you visit two to three different companies to get the lowest price.

Insurance Rates for Popular Vehicles in Jacksonville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $620 $310 $52
Chevrolet Equinox LS AWD $730 $365 $61
Chevrolet Impala LT $786 $393 $66
Chevrolet Silverado LS Extended Cab 2WD $704 $352 $59
Dodge Ram Quad Cab ST 4WD $1,046 $523 $87
Ford Escape Limited 4WD $796 $398 $66
Ford F-150 XL Crew Cab 4WD $646 $323 $54
Ford Focus SES 4-Dr Sedan $882 $441 $74
Honda Accord EX 2-Dr Coupe $972 $486 $81
Honda CR-V LX 4WD $632 $316 $53
Honda Civic EX-L 4-Dr Sedan $654 $327 $55
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $776 $388 $65
Mazda 3 S Sport 4-Dr Hatchback $820 $410 $68
Nissan Altima 2.5 S 4-Dr Sedan $694 $347 $58
Nissan Rogue SL AWD $826 $413 $69
Toyota Camry XLE $912 $456 $76
Toyota Corolla S $732 $366 $61
Toyota Prius $830 $415 $69
Get Your Own Custom Quote Go

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in garaging location in Jacksonville which can modify premium rates noticeably.

Analysis of deductible levels

The chart below illustrates how choosing a deductible and can impact Hyundai Elantra insurance premiums for each different age category. The prices are based on a married female driver, full physical damage coverage, and no discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Car insurance discounts are available to lower rates

Auto insurance companies don't always list every possible discount in an easy-to-find place, so the list below contains some of the best known and the more hidden discounts that may be available.Save money with discounts

Don't be shocked that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

Large car insurance companies and some of their more popular discounts are shown below.

Before purchasing a policy, check with every insurance company which discounts they offer. Savings might not be offered in your state.

Everyone needs different car insurance coverages

When buying coverage online or from an agent, there isn't really a "perfect" insurance plan. Your financial needs are unique.Safe vehicles cost less to insure

These are some specific questions might help in determining whether or not you might need professional guidance.

If you don't know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Three reasons auto insurance is important

Even though rates can get expensive, auto insurance may be required and benefits you in several ways.

The benefits of insuring your vehicle are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is currently overpaying as much as $869 every year so compare rates at least once a year to make sure the price is not too high.

Coverage specifics

Understanding the coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other's property or people. This insurance protects YOU from claims by other people. Liability doesn't cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 that means you have a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, pain and suffering and loss of income. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible. North Carolina requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

Lowest and Highest Liability Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Chevrolet Impala
Acura MDX Mitsubishi Lancer
Chevrolet Corvette Kia Rio
Volvo XC60 Kia Optima
Subaru Forester Chevrolet Sonic
Audi A6 Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for collisions

Collision coverage will pay to fix damage to your vehicle caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, rolling your car, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to increase the deductible to bring the cost down.

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab Ferrari 458
Ford Edge Nissan GT-R
Smart ForTwo BMW 6 Series
GMC Canyon Bentley Continental Flying Spur
Chevrolet Colorado Maserati Granturismo
Jeep Wrangler Audi RS7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Due to the fact that many North Carolina drivers only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, rock chips in glass, a broken windshield, hitting a bird and theft. The most you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Maserati Quattroporte
Chevy Silverado 2500 Maserati Granturismo
Volvo V60 BMW M6
Ford F-350 Porsche Panamera GTS
Nissan Leaf Audi S7
Nissan Xterra BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses such as prosthetic devices, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Kia Forte
Chevrolet Silverado 3500 Mitsubishi Lancer
Audi A4 Allroad Mitsubishi Mirage
Ford Expedition Chevrolet Sonic
Tesla Model S Nissan Versa
Ford F-350 SuperCrew Chevrolet Spark

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don't give up on cheaper coverage

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many instances, someone dropped liability coverage limits and learned later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

We covered a lot of tips how to shop for insurance online. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable Jacksonville auto insurance quotes. You may even find the lowest priced insurance comes from a smaller regional carrier.

People change insurance companies for many reasons like policy cancellation, poor customer service, delays in responding to claim requests or delays in paying claims. It doesn't matter what your reason, choosing a new company can be pretty painless.

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