Cheap Insurance Jacksonville

The Seaport City

 

This bustling city is full of life and leisure.

There are a few great museums to explore as well.

For the people that call this great city home, you know how lucky you are!

Not only is there a bustling city life, but also national forests and beaches to explore. There is never a limit to the things you can do here.

Raising a family is made easy in Jacksonville and people treat you like a friend.

Even if you don’t know your neighbor, you will soon. Jacksonville is one of the friendliest places to live.

Residents should take the time to explore all the options cheap insurance Jacksonville has available.

If you own a home here, or commute to work, you know how important insurance can be.

Protect your best assets in Jacksonville and find out more about cheap insurance products.

 

How do I get cheap insurance in Jacksonville?

 

The first thing you will want to do to attain the very best deals on insurance is to talk to a broker.

A broker is a representative of the consumer. Thats you!

They don’t work directly for the insurance companies, so you can be sure that they want to save you money.

Take the time to ask questions and get answers while someone shops the market for you.

This is one of the safest and easiest ways to shop for insurance in the United States.

Luckily there are many ways to attain discounts as well. If you have served in the military you could save.

Maybe you have a perfect driving record, you could save on your car insurance.

Read through the following types of insurance policies you may need and then call Cheap Insurance.

The best way to know what to look for when it comes to saving money on insurance, is to be informed.

Educate yourself on the laws in Florida and be ready to save, save, save.

Let’s see what kind of insurance you might need.

 

 

Insurance Requirements Jacksonville

Car Insurance

 

Car insurance is mandatory in every state.

To drive a car you must have a drivers license, insurance and registration.

Every state is different.

Here is what the state of Florida has to say about cheap car insurance:

 

  • Florida state is a “no-fault,” meaning that an individual’s insurance company covers their losses regardless of fault.
  • You are required to have a minimum of $10,000 for Personal Injury Protection.
  • Florida also requires a minimum of $10,000 Property Damage Liability.
  • Driving without insurance in Florida can result in a suspension of your registration or driving privileges, and a reinstatement fee of between $150 and $500, plus the cost of insurance.

 

How can I save money on car insurance?

 

You can ask about the following discounts when you talk to a broker about the cheap car insurance Jacksonville residents need:

 

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Occupation discounts- Depending on what kind of job you have and how far you need to commute for that job could make a difference in your policy choice and price.

 

Call a broker today and save tomorrow.

You can also click on the link button below to have a free quote within minutes!

Take a look at our Cheap Car Insurance Jacksonville page!

Car Quote

SR22 Insurance

When you are in a bind and looking to get out, SR22 insurance can help.

It is a way to get past your DUI or revoked license and move on with your life.

You can think of SR22 insurance as more of a financial responsibility paper than insurance.

Although you must also carry insurance.

Florida, like most states requires you to carry an SR22 document for a minimum of three years.

You must pay for your insurance costs at this time as well.

Never lapse on your insurance payment during this time.

 

What is SR22 and why do I need it?

 

  • SR22 Insurance is a vehicle liability document required by the Department of Motor Vehicles for “high-risk” drivers. It is a document issued by your insurance company showing proof that you are carrying the minimum amount of auto insurance required in your state. SR literally stands for “safety responsibility”.
  • The first thing you need to do is contact your car insurance company. In most states there is a $15 to $25 fee to file the SR22.
  • To obtain an SR22 filing, you must purchase minimum liability coverage on all vehicles registered to you, whether they are operational or non-operational. For those who do not own a vehicle, “non-owners” liability coverage is required.

 

If you want more information on cheap SR22 insurance Jacksonville, call us today.

We can answer any questions you might have.

 

SR22 Quote

 

 

 

Motorcycle Insurance

 

When it comes to motorcycle insurance, Florida does things a little differently than the other states.

You are not required to carry a certain amount of motorcycle insurance.

You are also not told which kind of insurance to carry at all.

Most states have their cheap motorcycle insurance policies mirror that of the car insurance.

This makes things easier for everyone.

But Florida stands alone.

However you are required to carry a certain amount of financial responsibility for your motorcycle.

They also call this a financial threshold.

This basically means that you need to be able to cover someone else’s damages when you are in a wreck.

So how does this work?

 

First of all here is what is defines as a motorcycle:

  • Two Wheel Motorcycles
  • Scooters
  • Mopeds
  • Motocross and Dirt bikes
  • Trikes
  • Custom Motorcycles and Choppers
  • Kit Bikes
  • Any factory-built two or three-wheeled vehicle

If you have any of these, you will need to be responsible for it.

You can do this by:

  • Purchasing liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.
  • Obtain a Financial Responsibility Certificate from the Bureau of Financial Responsibility after you:
    Post a surety bond with a state-licensed company.
    Deposit cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).
  • You can also acquire a self-insurance certificate from the BFR.

 

Being insured doesn’t have to cost you a fortune.

And although Florida doesn’t require you to be insured, it will be the cheapest way to have you and others covered financially.

Have the cheap motorcycle insurance Jacksonville residents deserve by calling us today!

 

Cycle Quote

 

Homeowners Insurance

 

Even though Florida does not require you to have homeowners insurance, your mortgage company might.

This is true with most states.

It is in your best interest to obtain at least a minimum of liability and damage coverage for your home.

As you already know, Florida is known for its windstorm damages to homes by hurricanes or other storms.

To be covered for this you will need a certain type of coverage.

The best way to know what sort of insurance you might need is to assess the value of your home and the items in it.

Liability insurance is important especially if you have a dog or a pool.

Here are the basics to the cheap homeowner insurance Jacksonville residents choose:

 

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.
  • Additional coverage available for more valuable items (jewelry, fur, silverware, etc.). If coverage above the limited coverage amount is required, a “rider” should be purchased. This coverage offers a broader range of perils.
  • Homeowners insurance covers four basic types of insurance: structure, personal belongings, liability, and additional living expenses.
  • The location of your home, the construction type, roof slope and many other features contribute to how much your homeowners insurance will be.

 

Do you homework and learn more about cheap homeowners insurance in Jacksonville.

You can cover the items in your home that mean the most to you.

Make sure that you can rebuild your home in case of a strong storm.

Know your rights by calling us today.

We can answer all of your questions and have a policy written up.

 

Home Quote

 

Life Insurance

 

Life insurance is not the law and there are no limitations to it.

This great form of insurance could set you and your family up with the security you have always wanted.

To have a life insurance policy is to give the gift of protection to those you love even after you are gone.

Life insurance is about planning ahead.

It can provide financial security to those you care about, cover medical bills, funeral costs, mortgage, on other living expenses.

If you are the primary provider for others, it can also replace your income for them, or give them money for college or other expenses.

It can even be used to earn a cash value that you can withdraw or borrow against later.

There are two types of life insurance policies that are most popular.

A term life insurance policy will give you a set amount of money for a certain period of time.

Let’s say you pay $50 a month for your term policy which lasts 20 years.

You can then after twenty year, re evaluate your situation.

There is also permanent life insurance which will be paid for a certain amount throughout the existence of your life.

Sometimes there are even options where your life insurance policy becomes an investment.

How does life insurance work?

 

Life insurance is a contract. You sign up for a certain amount of life insurance.

The Insurance company takes in your premiums monthly.

When you pass,  the company pays out what is called a “death benefit” to whoever you leave the money to.

The different between the premium that the insurance company has taken in over the years, and the death benefit, are their profits.

Make sure that your family is protected by having the cheap life insurance Jacksonville residents deserve.

Call us today and find out all of your options.

Know your family is at peace and you are too!

 

Life Quote

 

 

Health Insurance

 

Health insurance is in place to take care of yourself and your family in the time when you need it most.

Although in America healthcare is mandatory, Florida state law does not make is mandatory for businesses to offer this to their employers.

Many times you as an individual will need to attain it on your own.

The good news is that health insurance costs are decided by your income.

The more money you make the more you will pay for health care.

Getting the cheap health insurance Jacksonville residents need is easy!

The best way to search for a doctor and a plan is to talk to a broker.

You can save money monthly by raising your deductible. This lowers your overall premium.

You will still have to pay for your doctors visits with a co-pay. This is usually a $15 fee.

What is health insurance?

 

  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.

 

Call us today and have your policy options explained to you.

We can set you up with a great doctor at a reasonable price.

 

Health Quote

 

Renters Insurance

 

When you rent a house it is still your home. You love where you live and you spend time and money there.

Make sure all of your assets are covered with the proper insurance.

Renters insurance can be obtained for as little as $20 a month and cover liability plus your valuables.

It is a good idea to itemize the things in your home before you file for renters insurance.

Getting the cheap renters insurance Jacksonville renters deserve is easy.

Within a matter of minutes you could have a quote emailed to you.

 

You need protection because your landlord is not required to.

 

  • A landlord’s insurance policy may not cover theft and damages. You will want to have your own. Most landlord’s insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.

Depending on where you live, you might need to have a certain amount of liability coverage on your home.

Some apartments complexes require this. And although renters insurance is not the law in the state of Florida, there is always a chance you could be sued.