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Cheap Car Insurance in Jacksonville, Florida

Looking to know more about Jacksonville and how you can get cheap car insurance? Well, Jacksonville is the largest metropolitan area in the U.S. by land size. The city is the largest in Florida by population. Jacksonville was founded in 1791 as part of a territory owned by Spain and is located on the St. Johns River. It now acts as a major port along the East Coast.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Jacksonville, Florida. Get your auto insurance quote today!

Driving Conditions in Jacksonville

Policy organization Transportation For America found that Jacksonville has a problem with crashes that cause pedestrian fatalities. The study found that Jacksonville ranked as the third worst city in the country for pedestrian traffic deaths. Approximately 16 percent of deaths related to vehicle crashes were pedestrian deaths in 2010. The issue may be related to pedestrians requiring more time to cross the street than crosswalks currently allow.

Unique Laws in Jacksonville

Florida is one of several states that imposes a fine if a person drives too slow in the passing lane. Drivers may face a fine of up to $60 if they drive 10 miles per hour or more under the speed limit on highways across the state.

Jacksonville Crime Statistics

In 2015, authorities reported 6,082 burglaries, 23,456 larcenies and 2,316 vehicle thefts in Jacksonville, according to the FBI.

Jacksonville Vehicle and Driving Safety Requirements

Seat Belt Law

In Florida, all drivers, front-seat passengers and passengers under 18 must fasten their safety belts, according to the Florida Department of Highway Safety and Motor Vehicles. Drivers and passengers 18 or older can be cited if they or any passenger under 18 are not properly strapped in. A driver will be charged with a seat belt violation if any passenger under 18 is not restrained with a seat belt or child restraint device.

Under Florida law, children 5 and under must be secured in a child restraint device. Children 4 and 5 must secured in a separate carrier, an integrated child seat or a child booster seat.

Distracted Drivng Law

Texting while driving is illegal in Florida. However, talking on a cellphone while driving is allowed. A first-time offense under the texting-while-driving law can result in a $30 fine.

Helmet Law

Florida requires motorcycle riders under 21 to wear a helmet. If you are over 21, you are not required to wear a helmet. If you do go without a helmet, you must carry $10,000 worth of medical payment insurance.

Impaired Driving Law

In Florida, a driver 21 and over can be charged under the DUI law if he or she has a blood alcohol concentration (BAC) of 0.08 percent or higher. A first-time offender faces a maximum penalty of one year of probation, a one-year license suspension, a $1,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days. 

If a driver’s BAC is at least 0.15 percent, a first-time offense can result in a maximum of one year of probation, nine months in jail, a one-year license suspension, a $2,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

If a driver is under 21, the BAC threshold is 0.02 percent. DUI penalties increase if the BAC is 0.08 percent or above.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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