Jacksonville Auto Insurance (FL)

Jacksonville, Florida, the county seat, is home to more than 773,780 people. Of these who commute to work on the road every morning, the average travel time is about 25 minutes, one minute less than the national average. It could be worse! Fellow Floridians in Miami live in one of the top ten congested cities in the country. At least Jacksonville is only ranked 35th, costing its residents 17 hours of delay and $269 in extra vehicular expenses.

Time and money are not the only losses due to traffic for residents of Jacksonville. Between 2001 and 2003, there were 324 fatal car accidents, just above the national average. Air quality gets worse every year and health effects like asthma and high blood pressure are rising just because of high traffic congestion.

There are 12.9 million licensed drivers in Florida with 19 million registered cars, trucks, and SUVs. Ranked 14th in the country, Floridians pay a hefty sum for their auto insurance, about $2,425.

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Protect Your Car and Save on Auto Insurance in Jacksonville

Protecting your car from theft and break-in will help lower your auto insurance costs with most companies. Jacksonville residents suffered 5,000 auto thefts in 2004, ranking them 80th in the country in terms of vehicular grand theft. This number has risen over the past two years and shows no sign of slowing down.

You can also protect your car with common sense measures like closing your car windows and sunroof; parking in protected well-lit areas, and purchasing your car insurance from a reputable company. The better insurance providers will not only offer you thorough and quick evaluation of your claims but are more likely to offer discounts and help you find the best plan for you and your car.

Others ways to reduce your insurance costs include:

• Maintain auto insurance coverage even in hard times. Continuous coverage makes you a better risk.
• Change occupations. Certain jobs are deemed 'high risk' to car insurance adjusters, especially jobs that involve driving. Switching to a desk job may help.
• Work closer to home or more closer to work. The fewer miles you drive, the lower your premium will be.

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Another way to lower your car insurance premiums is to invest in a car that typically garners less expensive auto insurance claims compared to other vehicles. For example, the least expensive cars for injury claims include the GMC Yukon XL 1500, both the two wheel drive and the four wheel drive models, and the Chevrolet Tahoe two wheel drive and the GMC Sierra 2500 four wheel drive. For collision claims, the least expensive models again include the GMC Yukon XL 1500 two wheel drive and Chevrolet Tahoe, as well as the Ford Excursion two wheel drive and the Ford Escape two wheel drive. The least expensive claims for theft include Buick models like the LeSabre, the Century, and the Park Avenue.

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Last Updated: August 19, 2010