Is Your Jacksonville Auto Insurance Too High? Here is How to Save Money

Searching for the most affordable Jacksonville auto insurance on the internet may be impossible for consumers not familiar with comparison shopping online. With so many choices of companies competing online, how can Jacksonville drivers even start to compare the different rates to find the cheapest available price?

It’s smart to do rate comparisons before your policy renews since rates change frequently. Despite the fact that you may have had the best rates six months ago a different company probably has better rates today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to find the best coverage while lowering your premiums.

If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. The purpose of this article is to familiarize you with how car insurance quotes work and some tricks to saving. Florida consumers only need an understanding of the tricks to find the lowest price over the internet.

Discounts can save BIG

Car insurance companies don’t always advertise every discount very well, so we break down some of the more common and also the lesser-known ways to save on auto insurance. If you don’t get every credit available, you’re paying more than you need to.

• No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
• Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
• No Accidents – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
• Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
• Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
• Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.

Consumers should know that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way.

For a list of insurance companies who offer auto insurance discounts in Jacksonville, click here to view.

How to Get Cheap Auto Insurance in Jacksonville

There are several ways to compare auto insurance prices but there is one way that is more efficient than others. You could waste time discussing policy coverages with local insurance agents in Jacksonville, or you could save time and use online quotes to achieve your goal.

All the larger companies take part in a program that allows shoppers to complete one form, and each participating company can give them a price based on that information. This saves time by eliminating form submissions to each company.

To find out how much you can save on auto insurance click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify the companies to receive prices from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of low cost auto insurance companies in Florida. Click here for list of insurance companies in Florida.

However you get your quotes, make absolute certain that you use identical information for each price quote. If you are comparing different liability limits you can’t possibly decipher which rate is best in Jacksonville.

Do I just need basic coverages?

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether you will benefit from professional help.

• How much liability coverage do I need in Florida?
• Should I put collision coverage on all my vehicles?
• Am I covered when pulling a rental trailer?
• Does my personal auto insurance policy cover using my vehicle for business use?
• How many claims can I have before being cancelled?
• Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Do the work, save more money

The cheapest auto insurance can be sourced online as well as from independent agents in Jacksonville, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

Consumers leave their current company for any number of reasons including high rates after DUI convictions, delays in paying claims, delays in responding to claim requests and even policy non-renewal. It doesn’t matter why you want to switch finding a new company can be less work than you think.

We covered quite a bit of information on how to get a better price on auto insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small local company.