Amazingly, a recent NerdWallet.com study showed that almost 70% of insureds in Florida have been with the same company for more than four years, and 38% of drivers have never shopped around. Consumers in the United States can cut their rates by as much as $850 a year just by comparing rates, but most just don't grasp the benefits if they switch to a new company.
It takes a few minutes, but the best way to get the cheapest Pontiac Grand Prix insurance in Jacksonville is to regularly compare price quotes from insurance carriers in Florida. Rates can be compared by completing these steps.
- Step 1: Take a few minutes and learn about how companies set rates and the steps you can take to prevent expensive coverage. Many factors that drive up the price such as accidents, traffic violations, and a less-than-favorable credit score can be improved by making small lifestyle or driving habit changes. Keep reading for more ideas to prevent expensive rate increases and find additional discounts you may qualify for.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple insurance companies.
- Step 3: Compare the price quotes to your existing policy to see if you can save by switching companies. If you can save money and decide to switch, verify that coverage does not lapse between policies.
- Step 4: Provide notification to your current agent or company of your intention to cancel your current car insurance policy. Submit a down payment and signed policy application to your new company or agent. Make sure you place the new proof of insurance certificate in your vehicle's glove compartment or console.
A good piece of advice is to use the same coverage limits and deductibles on every price quote and and to get price estimates from as many different insurance providers as possible. Doing this ensures an accurate price comparison and a complete price analysis.
Choosing the most cost-effective car insurance policy in Jacksonville is quite easy if you know the best way to do it. If you have a policy now, you will be able to reduce premiums using these tips. Drivers just have to use the quickest method to buy car insurance on the web.
Lower rates by qualifying for these six discounts
Car insurance is not an enjoyable expense, but you might be missing out on some discounts to help bring down the price. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be manually applied before you get the savings.
- Safety Course Discount - Successfully completing a class that teaches driver safety techniques can save you 5% or more and easily recoup the cost of the course.
- Paperwork-free - Many car insurance companies will give you a small discount for completing your application online.
- Multiple Cars - Buying insurance for primary and secondary vehicles with the same company may reduce the rate for each vehicle.
- Driver's Ed - Have your child enroll in driver's education in high school.
- Accident-Free Discounts - Insureds with no claims or accidents pay much less as compared to insureds who have frequent claims or accidents.
- Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
As is typical with insurance, many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you won't be that lucky.
Companies that may include these benefits possibly include:
Double check with each company how you can save money. Some credits might not be available to policyholders in your state.
Many insurance companies such as Progressive, Allstate and GEICO give coverage prices directly from their websites. Getting online rates for Pontiac Grand Prix insurance in Jacksonville doesn't take much effort as you simply type in your coverage preferences on the page. When the form is submitted, the quote system gets credit information and your driving record and gives you a price quote based on the information you submitted. Getting online rates for Pontiac Grand Prix insurance in Jacksonville streamlines rate comparisons, and it's also necessary to have as many quotes as possible if you want to find the most affordable premium possible.
If you want to compare pricing, compare quotes from the companies shown below. If you have your current policy handy, we recommend you enter the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will have rate comparison quotes for similar coverage.
The providers in the list below provide free rate quotes in Jacksonville, FL. If several companies are displayed, it's highly recommended you click on several of them to get the best price comparison.
Local insurance agents
Many drivers would prefer to have an agent's advice and that can be a smart move Licensed agents are trained risk managers and help in the event of a claim. The best thing about comparing rates online is you can get lower rates but also keep your business local.
Once you complete this simple form, the quote information is emailed to companies in Jacksonville who will give competitive quotes for your business. There is no reason to do any legwork because quoted prices will be sent immediately to you. If you need to get a comparison quote from one company in particular, don't hesitate to find their quoting web page and complete a quote there.
Choosing an insurer requires more thought than just the price. The answers to these questions are important, too.
- Will they make sure you get an adequate claim settlement?
- Do you need full coverage on every vehicle?
- Does the agency have a current Errors and Omissions policy?
- Are all drivers listed on the coverage quote?
- Do you work with a CSR or direct with the agent?
- Are aftermarket or OEM parts used to repair vehicles?
- If they are an independent agency in Jacksonville, which companies do they recommend?
- What is their Better Business Bureau rating?
If you want to use a local Jacksonville insurance agency, there are a couple of different agency structures and how they can quote your rates. Insurance agencies in Jacksonville can be classified as either exclusive or independent agents depending on their company appointments. Either one can write auto insurance policies, but it's worth learning why they differ since it could factor into which agent you choose.
Exclusive agents can usually just insure with one company and examples are American Family, State Farm, and AAA. These agents are unable to place coverage with different providers so you need to shop around if the rates are high. Exclusive insurance agents are usually quite knowledgeable on their company's products which can be an advantage.
The following are Jacksonville exclusive insurance agencies that can give you price quote information.
Independent Auto Insurance Agencies
These type of agents are not required to write business for one company so they can quote policies with a variety of different insurance companies and find you cheaper rates. If you want to switch companies, they simply switch companies in-house which is easy for the insured. When comparing auto insurance prices, we highly recommend that you include price quotes from several independent agencies in order to have the best price comparison.
Listed below are Jacksonville independent agencies that are able to give price quote information.
Contemporary Affordable Insurance Agency
212 E Forsyth St - Jacksonville, FL 32202 - (904) 350-0014 - View Map
If you get acceptable answers to these questions and affordable Pontiac Grand Prix insurance rates in Jacksonville quotes, you may have found an insurance agency that is a good match to properly service your auto insurance policy.
Auto insurance coverage options for a Pontiac Grand Prix
Understanding the coverages of your auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.
Auto collision coverage
Collision insurance will pay to fix damage to your Grand Prix resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things like driving through your garage door, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your Grand Prix to get cheaper collision coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, X-ray expenses, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.
Since many Florida drivers have only the minimum liability required by law (10/20/10 in Florida), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Liability coverage can cover damage or injury you incur to other's property or people. This insurance protects YOU from claims by other people, and doesn't cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 10/20/10 which means $10,000 in coverage for each person's injuries, a limit of $20,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for things such as bail bonds, loss of income, funeral expenses and medical services. How much coverage you buy is a personal decision, but it's cheap coverage so purchase higher limits if possible. Florida requires minimum liability limits of 10/20/10 but you should consider buying better liability coverage.
The chart below shows why buying low liability limits may not be high enough to cover claims.
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like fire damage, a tree branch falling on your vehicle and falling objects. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.
Don't give up on cheap rates
We just covered many tips how you can get a better price on Pontiac Grand Prix insurance in Jacksonville. It's most important to understand that the more you quote Jacksonville car insurance, the higher your chance of finding affordable Pontiac Grand Prix insurance quotes. You may even find the biggest savings come from some of the smallest insurance companies. Regional companies often have lower rates on specific markets compared to the large companies like GEICO and State Farm.
Budget-friendly auto insurance in Jacksonville is possible online as well as from independent agents in Jacksonville, so get free Jacksonville car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers don't offer online quoting and these smaller providers only sell coverage through local independent agents.
For more information, link through to the following helpful articles:
- Senior Drivers (Insurance Information Institute)
- How Much are Auto Insurance Rates for Retired Military in Jacksonville? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with a DUI in Jacksonville? (FAQ)
- Coverage Information (Progressive Insurance)
- Distracted Driving Extends Beyond Texting (State Farm)