Buy Cheap Jay Auto Insurance

Having to pay for overpriced auto insurance can dwindle your personal savings and put a big crunch on your finances. Comparison shopping is a smart way to make sure you're not throwing money away.

There is such a variety of to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

This article will teach you how car insurance quotes work. If you have car insurance now, you stand a good chance to be able to save some money using this information. Although Florida drivers do need to know the way companies compete online and take advantage of how the system works.

Be sure to get all your discounts

Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be asked about before you will receive the discount.

Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Distant Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Save over 55 - Mature drivers may be able to get a discount up to 10%.
Memberships - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
No Claims - Drivers who don't have accidents can earn big discounts when compared to bad drivers.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts in Florida, follow this link.

How to Get Cheap Auto Insurance in Jay, FL

There are several ways to compare auto insurance quotes, but there is one way that is less time-consuming than others. You can waste a lot of time driving to insurance companies in Jay, or you can utilize online quotes to quickly compare rates.

Many insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and every company provides a quote based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you can't choose which carriers to get quotes from. If you wish to select specific providers to compare prices, we put together a list of low cost auto insurance companies in Florida. Click to view list.

Which method you use is up to you, but make sure you use identical coverage information with each company. If each company quotes unequal deductibles or liability limits it will be impossible to make an equal comparison in Jay. Just a small difference in coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons helps locate the best offered rates.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that will entitle you to lower auto insurance prices.

The following are some of the factors that factor into prices.

Save money with special equipment - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
Where you reside plays a part - Residing in a rural area can save you money when insuring your vehicles. City drivers have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
Mature drivers pay less - Teen drivers in Florida are known to be careless and easily distracted when driving so they pay higher auto insurance rates. If you've ever had to add a young driver onto your auto insurance can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
Don't skimp on liability - Liability coverage is the protection when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
Marriage brings a discount - Being married can get you a discount when buying auto insurance. Having a significant other usually means you are more responsible and it's statistically proven that married drivers get in fewer accidents.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you might need an agent's assistance.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Jay?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing about savings after switching your policy. How does each company make almost identical claims?

All companies have a preferred profile for the right customer that is profitable for them. An example of a driver they prefer could possibly be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the way they do.

This emphasizes why drivers must compare many company's rates. It's impossible to know which insurance companies will provide you with the cheapest rates.

Final considerations

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

The cheapest auto insurance can be bought online in addition to many Jay insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Additional information is available on the website for the Florida Office of Insurance Regulation through this link. Florida consumers can view a list of available companies, view agent and company licensing information, read enforcement actions against agents and companies, and find out which companies have the most complaints.