Find Cheaper Jacksonville Car Insurance

Finding affordable Jacksonville car insurance is hard for consumers not familiar with comparing rates online. There are so many companies to choose from that it can turn into more work than you anticipated to locate the lowest price in Jacksonville.

It's important to get comparison quotes once or twice a year due to the fact that insurance rates are constantly changing. If you had the best price a few years ago you can probably find a better price now. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the easiest ways to properly buy coverages while reducing your premium.

If you are insured now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Pricing the cheapest car insurance coverage in Jacksonville is quite easy. Maryland consumers only need to know the proper methods to buy car insurance online.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

  • Please use or commuting - The more you drive every year the more you will pay for car insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your car insurance policy is showing the correct driver usage.
  • Frequent car insurance claims increase rates - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Maryland provide better rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Theft deterrents lower rates - Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that you can buy when buying car insurance. Coverages like rental car reimbursement, towing coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • Sex matters - The statistics show that men are more aggressive behind the wheel. However, don't assume that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
  • Clean credit earns discounts - Credit rating is a big factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores. If your credit score can use some improvement, you could save money insuring your by repairing your credit.
  • Discounts for multiple policies - The majority of companies will give a discount to insureds who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's still a good idea to comparison shop to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.

Maryland car insurance quotes

Are you getting all your discounts?

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but less common discounts must be manually applied before you will receive the discount. If they aren't giving you every credit available, you are paying more than you should be.

  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course in high school.
  • Defensive Driving Course - Completing a defensive driving course could save 5% or more if your company offers it.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • One Accident Forgiven - A few companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

To choose companies with the best car insurance discounts in Jacksonville, follow this link.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers in Maryland can't ignore all the ads for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move your policy.

How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the right customer that makes them money. For example, a desirable insured might be between 30 and 50, has no tickets, and has a short commute. Any driver who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay higher premiums which usually ends up with the customer not buying. The ads state "customers who switch" not "everybody who quotes" save that kind of money. That's why companies can truthfully make the claims of big savings.

Because of the profiling, you should get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

More Maryland car insurance information

Additional information can be found on the Maryland Insurance Administration website found here. Visitors are able to file complaints about an insurance agent or broker, download brochures, and view a list of available companies.

compare Jacksonville car insurance rates

Best coverage at the best price

As you shop your coverage around, you should never buy poor coverage just to save money. In many instances, an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests or even policy cancellation. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.

The cheapest car insurance is possible both online in addition to many Jacksonville insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.