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Curious About your Car Insurance Rates in Jacksonville, Florida?

By: Kade Phillips, contributing writer at kanetix.com.

If you sometimes wonder what exactly impacts your car insurance rates in Jacksonville, and why you are paying more than your neighbor, you may be interested to know that the following factors play the major role, and these items determine why your particular auto insurance premium may differ from your neighbor in Jacksonville, in spite of the fact that on the surface, things may look similar.

What’s your Sign? – Gender that is. It’s a well known fact that men tend to drive more aggressively than women, and as a result, typically have more accidents than women do. So if you’re a guy, and even if you’re the safest driver in Jacksonville, you’re stuck with the rap that countless men before you have established. Namely, you’ll probably pay more for car insurance than your female counterpart.

How young are you? – Depending on the insurer, there may be a penalty for being under a certain age. 30 is the benchmark for some auto insurance providers, 25 for others. Younger drivers are statistically more likely to be involved in an auto accident than older drivers - to a point, hence the higher premium. Some things do get better with age - to a point.

Are you Married? – It is believed that marriage brings more stability and responsibility to a household and this is the reason that car insurance companies tend to give consumers a break on their car insurance rates if they are married. So, Jacksonville drivers, one more reason to get hitched.

What’s Your Personal Driving Record? – How many years of driving experience do you have? How many speeding tickets, drunk-driving offenses and accidents have you been involved in? These are major factors in how risky you are perceived to be to insure. It goes without saying that you can do yourself and all other drivers and pedestrians in Jacksonville a huge favor by slowing down and committing yourself to being as safe a driver as you can possibly be.

How Is Your Vehicle Primarily Used? - Drivers who use their own vehicles for business as well as drivers who commute during rush hour are understandably at greater risk of an accident than someone who uses their vehicle only to run errands or for weekend recreation. There’s not much you can do here. It is as it is.

What Kind of Vehicle do you Drive? – Obviously, the value, age of your vehicle, the typical cost of replacement parts and repair work, and even the size and weight of the car are essential to determining the price of your individual auto insurance. Larger, heavier vehicles generally offer more protection to the occupants and are considered to be at lower risk than smaller lighter vehicles. It’s also obvious that more expensive cars are more costly to repair than economy vehicles.

Where do you keep your car? – The actual place where your car is kept has a significant bearing on the cost to insure it. This is because your car’s location directly relates to the odds of being involved in an accident or being the victim of auto theft or vandalism. This is why this aspect of auto insurance for a city like Jacksonville is going to cost more than auto insurance for a town of a few thousand people in Utah.

Your auto insurance policy in Jacksonville is largely the result of a combination of statistics and averages. This is why, even if you’ve never had your car stolen or been involved in an accident and you have a clean driving record with no infractions, you may still pay more than you think is fair because you fit into a particular “rating group” with a high risk profile.

There’s not too much you can do about this, except get married if you aren’t already, move to Escalante, Utah permanently, and trade in your Jaguar for something significantly more modest. But seriously, who would really leave Jacksonville, Florida just to save some money on auto insurance?

A far better plan, and maybe your best option if you feel that the statistics and averages have done you wrong, is to do some serious car insurance comparison shopping. It’s surprising how often there is a wide difference in cost for basically the same kind of auto insurance coverage by different auto insurance providers.


Kade Phillips is a contributing writer at kanetix.com.
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