Find Cheaper Jacksonville Auto Insurance

Are you intimidated by the sheer number of auto insurance company choices in Jacksonville? Many other drivers are as well. You have so many companies to choose from that it can turn into a real hassle to find the best price.

Are you getting all your discounts?

Companies don't list every discount in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving. If they aren't giving you every credit possible, you are throwing money away.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Clubs and Organizations - Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
  • Low Mileage Discounts - Low mileage vehicles can earn a substantially lower rate.
  • No Charge for an Accident - A few companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you can get free auto insurance, it just doesn't work that way.

How can Progressive, Allstate and GEICO save drivers who switch?

Alabama drivers get pounded daily by advertisements that promise big savings by Progressive, Allstate and GEICO. They all have a common claim that you can save if you change to their company.

How do they all say the same thing? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no driving citations, and has a short commute. A propective insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher prices and this can result in business not being written. The ad wording is "drivers who switch" not "everybody who quotes" save that much. That's the way insurance companies can make the claims of big savings. This emphasizes why you should compare many company's rates. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional detailed information can be found at the Alabama Department of Insurance website. Alabama drivers can read industry bulletins, find out which companies have the most complaints, and find disaster information.

Best coverage at the best price

Drivers leave their current company for any number of reasons including high rates after DUI convictions, questionable increases in premium, delays in responding to claim requests and even denial of a claim. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

Affordable auto insurance is attainable on the web and also from your neighborhood Jacksonville agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.