It goes without saying that auto insurance companies don’t want their policyholders to compare prices. Consumers who compare price quotes will most likely switch to a new company because of the good chance of finding lower prices. A recent insurance study discovered that drivers who routinely shopped around saved $70 a month compared to other drivers who never compared rates.
If finding low prices for Hyundai Ioniq insurance in Jacksonville is your objective, then understanding how to get free comparison quotes and analyze insurance premiums can make the process more efficient.
The recommended way to get cheaper auto insurance rates is to make a habit of regularly comparing prices from providers in Jacksonville.
First, take a little time to learn about how insurance companies determine prices and the steps you can take to prevent high rates. Many things that drive up the price such as distracted driving and a bad credit rating can be amended by making small lifestyle or driving habit changes. Continue reading for information to get affordable coverage and get additional discounts that may have been overlooked.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple companies.
Third, compare the quotes to your current policy premium to see if a cheaper rate is available in Jacksonville. If you can save some money, make sure there is no lapse in coverage.
A good tip to remember is to make sure you enter identical deductibles and limits on every quote request and to quote with as many different insurance providers as possible. Doing this provides a fair price comparison and the best rate selection.
Our goal is to help educate you on the most effective ways to compare rates and some tips to save money. If you have a policy now, you will definitely be able to save money using the ideas presented in this article. Comparison shoppers only need to know the fastest way to compare prices from many different companies online.
Cheap companies for Hyundai Ioniq insurance
The providers in the list below are ready to provide free quotes in Florida. If multiple providers are shown, we suggest you visit as many as you can to get the best price comparison.
Get cheaper rates by taking advantage of discounts
Not many people think insurance is cheap, but there could be available discounts that you may not know about. Many discounts should be triggered when you complete an application, but a few must be inquired about in order for you to get them.
- Online Discount – Many companies will discount your bill up to fifty bucks just for signing your application online.
- Good Driver Discount – Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
- Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could get a discount of at least 10 to 15 percent or more.
- Low Miles Discount – Driving fewer miles could qualify for cheaper prices.
- Safety Course Discount – Taking a safe driver class can save you 5% or more and easily pay for the cost of the class.
- Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Discounts for Multiple Vehicles – Buying coverage for all your vehicles with one company could earn a price break for each car.
- Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
- Save with a New Car – Insuring a new Ioniq can get you a discount because newer models are generally safer.
- Professional Organizations – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
Don’t be shocked that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will help reduce your policy premiums.
Car insurance companies that may include most of the discounts above include:
If you need lower rates, check with all the companies which credits you are entitled to. Depending on the company, some discounts might not be offered everywhere. For a list of car insurance companies with the best discounts in Florida, click this link.
Compare rate quotes but still have a neighborhood Jacksonville auto insurance agent
Certain consumers just want to have an agent’s advice and that is OK! Good agents can help determine the best coverages and give you someone to call. One of the benefits of comparing rates online is that you can find the best rates and also buy local. Buying from and supporting small agencies is important especially in Jacksonville.
By using this short form, your information is transmitted to companies in Jacksonville who will gladly provide quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies due to the fact that quote results will go to your email. If you have a need to get a price quote from a specific insurance company, you would need to visit that company’s website and fill out the quote form the provide.
What type of Jacksonville car insurance agent is right for you?
If you prefer to buy car insurance from an insurance agent, there are two types of agencies that you can select. Car insurance agents may be either exclusive or independent. Both sell and service car insurance coverage, but it’s a good idea to understand the differences because it can factor into the kind of agent you use.
Independent Agents
Agents that choose to be independent do not work for one specific company and that enables them to quote your coverage with lots of companies and find you cheaper rates. If you are not satisfied with one company, the business is moved internally and you don’t have to do anything. If you need lower rates, you should always include a couple of independent agencies to have the best price comparison.
Shown below are Jacksonville independent agents who may provide price quotes.
Frye Insurance Agency, Inc.
1851 University Blvd S – Jacksonville, FL 32216 – (888) 812-2985 – View Map
The Maverick Insurance Agency
9119 Merrill Rd #8 – Jacksonville, FL 32225 – (904) 743-6661 – View Map
Connect America Insurance Agency
8825 Perimeter Park Blvd #303 – Jacksonville, FL 32216 – (904) 494-8898 – View Map
Exclusive Agencies
These type of agents can only provide pricing for a single company such as AAA, Allstate, and State Farm. They usually cannot compare other company’s rates so they really need to provide good service. Exclusive agents receive extensive training on what they offer which can be an advantage.
Shown below is a list of exclusive insurance agencies in Jacksonville willing to provide rate quotes.
Allstate Insurance: Jeff Bernard
7530 103rd St Ste 13 – Jacksonville, FL 32210 – (904) 777-3130 – View Map
Vonnie Wiggins – State Farm Insurance Agent
11757 Beach Blvd #7 – Jacksonville, FL 32246 – (904) 641-0090 – View Map
Jim Haskins – State Farm Insurance Agent
6983 103rd St #2 – Jacksonville, FL 32210 – (904) 777-4577 – View Map
Finding the right insurance agent requires you to look at more than just the bottom line cost. Here are some questions you might want to ask.
- Do they offer claims assistance after hours?
- Will you work with the agent or an assistant?
- What kind of financial rating does the company have?
- Which members of your family are coverage by the policy?
- Do the coverages you’re quoting properly cover your vehicle?
One last note
We just covered many ways to compare Hyundai Ioniq insurance rates in Jacksonville. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the most savings is with a lesser-known regional company. Some small companies often have lower auto insurance rates on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.
Lower-priced car insurance in Jacksonville can be found on the web and also from your neighborhood Jacksonville agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide rates over the internet and usually these small insurance companies prefer to sell through independent insurance agencies.
As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.
For more information, link through to the resources below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Cheap Jacksonville Car Insurance Rates for Drivers with Good Credit? (FAQ)
- Who Has Affordable Jacksonville Car Insurance for Nurses? (FAQ)
- How Much is Auto Insurance for First-time Drivers in Jacksonville? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Choosing an Insurance Company (Insurance Information Institute)