Gainesville Auto Insurance For Less Than You're Paying Now

Using the web to shop for Gainesville auto insurance may seem to be difficult if you've never compared online price comparisons. But don't let that discourage you because finding affordable coverage online is easier than you think.

It's important to check auto insurance prices occasionally since insurance rates are constantly changing. If you had the lowest price on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you're about to find out one of the easiest ways to reduce your cost while improving coverage.

Gainesville auto insurance quote

How much can you save with discounts?

Car insurance companies don't list every available discount in a way that's easy to find, so we researched some of the best known as well as the least known savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class in high school.
  • Federal Employees - Simply working for the federal government may qualify you for a discount with certain companies.
  • Multi-policy Discount - When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Life Insurance - Companies who offer life insurance give better rates if you take out auto and life insurance together.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of providers with the best auto insurance discounts in Gainesville, click here to view.

Finding Auto Insurance in Gainesville, FL

There are several ways to shop for auto insurance, but some are less time-consuming than others. You can waste hours discussing policy coverages with insurance agencies in Gainesville, or you could save time and use online quoting to get rates in a matter of minutes.

Most car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company can give them a price determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies you want to price. If you would rather choose specific insurance companies to compare rates, we put together a list of auto insurance companies in Florida. View list of Florida insurance companies.

It's your choice how you get your quotes, but make absolute certain that you use exactly the same deductibles and coverage limits for every company. If your comparisons have different values for each quote it's impossible to decipher which rate is best in Gainesville.

How much car insurance do I need?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?
  • What is the difference between comprehensive and collision coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I put collision coverage on all my vehicles?

If you're not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

Best coverage at the best price

When you buy insurance online, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

People who switch companies do it for a number of reasons such as policy cancellation, policy non-renewal, extreme rates for teen drivers and high prices. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

Throughout this article, we presented many tips how you can get a better price on auto insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the best price on auto insurance is with some of the lesser-known companies.