Jacksonville is the largest city in Florida, with a current population of around 1.3 million people according to the United States census. It was one of the first settlements in the country, and as such it's built up a rich history. The entire metropolitan area is very densely populated, which makes the area expensive. Jacksonville auto insurance quotes are high in comparison to the rest of the state, but there are a number of ways that Jacksonville drivers can decrease their premiums while keeping the car insurance coverage at a reasonable level.
As Jacksonville is a fairly high traffic city, there is a high incidence of car accidents. More accidents means more car insurance claims, and as a result, Jacksonville car insurance quotes can be high. Drivers can get discounts, however, by driving safer vehicles--safety ratings for different vehicles are available online, and it's a good idea to take these safety ratings into account when buying a new car. Jacksonville drivers can also benefit from driving classes. Many insurers will discount any driver that takes a state-sponsored defensive driving course. Such courses are usually fairly short and easy to complete, but the savings can be significant. They're especially worth the time in high density cities.
It's also helpful to understand the laws that shape the insurance industry in Jacksonville. The state requirements for car insurance in Florida are $10,000 worth of personal property liability and $10,000 personal injury protection. These are fairly low requirements when compared to many other states. However, the average cost of car insurance in Florida is very close to the national average, and in cities like Jacksonville insurance premiums are rising. This doesn't mean that every car insurance policy costs more, though. The best way to find good Jacksonville auto insurance quotes is to use comparison shopping.
There are quite a few benefits to comparing different car insurance quotes. By gathering as many car insurance quotes as possible, drivers stand a decent chance of finding great coverage at a low rate. Even if you're not interested in switching insurers, having several quotes in front of you will allow you to better negotiation with your current Jacksonville car insurance provider. Referencing a competitor's offer can make a huge difference, particularly if you've been with your current insurer for several years. We offer a free online cost comparison tool, which can generate several quotes by using a driver's zip code. We can help you find the best deal on car insurance in Jacksonville. Each quote is from a major insurer, improving the chances of great coverage at a low price. It's a great resource for drivers in and around Jacksonville.