If you want to find the absolute lowest rates, then the best way to get more affordable auto insurance rates in Jacksonville is to start comparing prices yearly from different companies that sell auto insurance in Florida.
First, get a basic knowledge of auto insurance and the steps you can take to keep rates low. Many rating criteria that drive up the price such as traffic tickets, fender benders, and a bad credit score can be improved by being financially responsible and driving safely.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple companies.
Third, compare the new rates to your current policy and determine if cheaper BRZ coverage is available. If you can save some money and switch companies, make sure there is no coverage gap between policies.
Fourth, notify your company or agent to cancel your current policy and submit payment and a signed application for the new coverage. As soon as coverage is bound, keep your new proof of insurance paperwork in an accessible location in your vehicle.
The key aspect of shopping around is to make sure you enter the same level of coverage on every price quote and and to get quotes from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and the best price selection.
It’s easy to assume that auto insurance companies don’t want you to look for a cheaper policy. People who do rate comparisons are likely to buy a new policy because there is a good chance of finding a policy with better rates. A study discovered that drivers who compared prices regularly saved as much as $72 a month compared to people who never shopped for cheaper rates.
If finding the cheapest price for insurance in Jacksonville is your ultimate objective, then learning a little about the best way to compare coverage rates can help you succeed in saving money.
Buying affordable auto insurance policy in Jacksonville is not as difficult as people think. If you already have coverage or are shopping for new coverage, use these cost-cutting techniques to buy cheaper auto insurance without reducing coverage. You just have to understand the quickest way to shop their coverage around online from multiple companies.
Getting a cheaper price on Subaru BRZ insurance is an easy way to save money. Drivers just need to spend a few minutes getting comparison quotes online from several insurance companies.
Comparing free quotes online is easy and it, takes the place of having to spend your day driving to all the different Jacksonville insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you prefer the peace of mind only provided by licensed Jacksonville agents. Some companies do allow you to compare the best prices online but have your policy serviced through an agent.
The providers in the list below offer price quotes in Jacksonville, FL. If more than one company is shown, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.
Lower rates by qualifying for discounts
Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous credits that may apply to you.
- E-sign Discounts – Some of the larger companies will give a small break for buying a policy and signing up on your computer.
- Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
- Claim Free – Good drivers with no accidents can save substantially compared to bad drivers.
- Drivers Ed for Students – It’s a good idea to have your young drivers successfully take a driver’s education course if it’s offered in school.
- Military Discounts – Having a family member in the military could qualify you for better premium rates.
- Fewer Miles Equal More Savings – Keeping the miles down on your Subaru could be rewarded with discounted rates on garaged vehicles.
As a footnote on discounts, some of the credits will not apply to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.
A few popular companies and their possible discounts are included below.
- State Farm may offer discounts for good student, driver’s education, accident-free, Steer Clear safe driver discount, and multiple autos.
- GEICO has discounts for multi-policy, multi-vehicle, defensive driver, air bags, and federal employee.
- Progressive may include discounts for multi-policy, good student, homeowner, continuous coverage, online quote discount, online signing, and multi-vehicle.
- 21st Century may have discounts that include defensive driver, student driver, theft prevention, driver training, early bird, and 55 and older.
- American Family offers premium reductions for bundled insurance, multi-vehicle, accident-free, defensive driver, and air bags.
- The Hartford offers discounts for good student, driver training, defensive driver, air bag, anti-theft, and bundle.
- AAA discounts include pay-in-full, good student, multi-policy, education and occupation, and AAA membership discount.
Before purchasing a policy, check with each insurance company which discounts you qualify for. Some of the discounts discussed earlier might not apply in Jacksonville. To see a list of providers who offer car insurance discounts in Florida, follow this link.
Lower Insurance Rates with These Tips
Lots of things are considered when you quote your car insurance policy. Some are obvious like your driving record, but other factors are less apparent like your continuous coverage or your commute time.
The itemized list below are some of the items used by insurance companies to determine your prices.
What type of car, truck or SUV do you drive? – The performance of the vehicle you are buying insurance for makes a huge difference in your car insurance bill. The lowest premiums will generally be found on lower cost passenger vehicles, but there are many factors that impact the final cost.
Getting married brings a discount – Having a wife or husband actually saves money on your auto insurance bill. Marriage may mean you are more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.
Higher rates for specific employers – Did you know that where you work can have an impact on rates? Occupational choices like doctors, police officers, and financial analysts are shown to have higher rates than average because of intense work requirements and lots of time spent away from family. Conversely, careers such as professors, historians and performers get better rates.
Better prices for no policy lapses – Having an insurance coverage lapse will be a guaranteed way to increase your renewal premiums. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the Florida department of motor vehicles.
Subaru BRZ insurance loss data – Insurers study historical loss data when they calculate premium rates for each model. Models that the data determines to have higher losses will have higher premium rates.
The data below shows the compiled insurance loss statistics for Subaru BRZ vehicles. For each policy coverage type, the statistical loss for all vehicles, as an average, is considered to be 100. Values that are 100 or less indicate a favorable loss history, while numbers above 100 point to more frequent losses or a tendency for claims to be larger.
|Specific Subaru Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance agents can find coverage gaps
Some consumers would prefer to buy from a licensed agent and often times that is recommended Good insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of getting free rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent. And supporting local insurance agencies is important particularly in Jacksonville.
By using this quick form, the coverage information is transmitted to local insurance agents who will gladly provide quotes to get your business. There is no need to do any legwork due to the fact that quote results will go to you instantly. If for some reason you want to compare prices from a specific auto insurance provider, just visit that company’s website and fill out their quote form.
The difference between Jacksonville auto insurance agents
If you prefer to buy auto insurance from a local insurance agency, you need to know there are two types of insurance agents and how they function. Auto insurance agencies are considered either exclusive agents or independent agents. Both handle auto insurance, but it’s good to learn the difference in how they write coverage because it may have an impact on which type of agent you select.
Independent Agencies or Brokers
Independent insurance agents are normally appointed by many insurers so they have the ability to put coverage through many companies and find the cheapest auto insurance rates. If they quote lower rates, your policy is moved internally and you won’t have to switch agencies.
When searching for an agent, we recommend you contact a few independent agents in order to have the best price comparison.
Featured below is a list of independent insurance agencies in Jacksonville who can help you get price quote information.
Exclusive Auto Insurance Agents
Agents that elect to be exclusive work for only one company like AAA, Allstate, and State Farm. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are highly trained in insurance sales which can be an advantage.
Below are exclusive agencies in Jacksonville who can help you get rate quotes.
David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 – View Map
Deciding on an insurance agency should depend on more than just the price. Before buying a policy in Jacksonville, get answers to these questions.
- Is vehicle damage repaired with OEM or aftermarket parts?
- When do they do policy reviews?
- Can they provide you with a list of referrals?
- What insurance company do they write the most business with?
- Do they prorate repair cost based on vehicle mileage?
- Does the agent recommend any additional coverage?
Quote. Compare. Save.
Budget-conscious Subaru BRZ insurance is definitely available from both online companies in addition to many Jacksonville insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies prefer to sell through independent insurance agents.
As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.
Even more information can be read at these sites:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has Affordable Jacksonville Car Insurance for Drivers Over Age 50? (FAQ)
- Who Has the Cheapest Jacksonville Car Insurance Quotes for Government Employees? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Impreza in Jacksonville? (FAQ)
- What is a Telematics Device? (Allstate)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)