Car owners that are new to comparing auto insurance rates on the web might discover locating low cost Volkswagen e-Golf insurance is very challenging.
Steps to finding lower priced Volkswagen e-Golf insurance in Jacksonville
If you want to save the most money, the best way to get budget Volkswagen e-Golf insurance in Jacksonville is to start comparing rates regularly from insurers who can sell car insurance in Florida. Rates can be compared by following these guidelines.
First, read about how insurance companies determine prices and the modifications you can make to prevent expensive coverage. Many factors that increase rates such as traffic violations and a lousy credit rating can be improved by improving your driving habits or financial responsibility.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide prices from multiple companies.
Third, compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and decide to switch, make sure there is no coverage gap between policies.
Fourth, provide written notification to your current company to cancel your existing policy and submit the application along with any required down payment to your new carrier. Once the paperwork is finalized, put the certificate verifying coverage in an easily accessible location.
One bit of advice is that you use the same level of coverage on each quote request and and to look at as many companies as feasibly possible. This guarantees a fair price comparison and a better comparison of the market.
It's a known fact that auto insurance companies don't want you to look for a cheaper policy. Consumers who shop around for cheaper prices will probably switch companies because there is a great chance of finding lower rate quotes. A recent survey revealed that drivers who made a habit of comparing rates saved on average $72 a month as compared to drivers who never shopped around.
If finding budget-friendly auto insurance is your objective, then learning a little about the best ways to shop for insurance coverage can save time and money.
You should take the time to quote other rates quite often because rates are variable and change quite frequently. Just because you found the best deal on Volkswagen e-Golf insurance in Jacksonville six months ago you will most likely find a better price today. Ignore everything you know about insurance because we're going to demonstrate the proper way to eliminate unnecessary coverages and save money on Volkswagen e-Golf insurance in Jacksonville.
Finding the cheapest auto insurance policy in Jacksonville is not as time-consuming as you think. Virtually anyone who needs cheaper auto insurance will more than likely get better rates. Although Florida car owners must learn how the larger insurance companies sell insurance online.
Companies offering Volkswagen e-Golf insurance in Jacksonville
The companies shown below are ready to provide free rate quotes in Florida. If multiple providers are shown, it's highly recommended you compare several of them to get the cheapest price.
Auto insurance discounts are available to lower rates
Car insurance companies don't always list every discount they offer very well, so the next list breaks down a few of the more common and also the more inconspicuous credits available to you.
- Low Mileage Discounts - Driving fewer miles may enable drivers to earn discounted premium rates on garaged vehicles.
- Multi-Vehicle Discounts - Drivers who insure multiple cars on one policy can reduce the rates for all insured vehicles.
- Include Life Insurance and Save - Not all auto insurance companies offer life insurance, but some may give you a discount if you purchase life insurance.
- Claim-Free Discount - Insureds who avoid accidents and claims get the best auto insurance rates as opposed to drivers who are more careless.
- Government Employee Discount - Having worked for a branch of the government can save as much as 8% with some auto insurance companies.
- Accident Waiver - This isn't a discount exactly, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident without raising rates with the catch being you have to be claim-free for a specific time period.
- Anti-theft Discount - Vehicles that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
- Policy Bundle Discount - If you can bundle your homeowners and auto insurance with the same company they may give you a discount of approximately 10% to 15%.
Don't be shocked that some of the credits will not apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it doesn't quite work that way.
Popular auto insurance companies and some of the discounts are shown below.
- Farm Bureau offers discounts for good student, youthful driver, safe driver, multi-policy, renewal discount, and multi-vehicle.
- Liberty Mutual includes discounts for hybrid vehicle, multi-car, exclusive group savings, safety features, new move discount, preferred payment discount, and multi-policy.
- State Farm has discounts for accident-free, multiple policy, defensive driving training, Steer Clear safe driver discount, multiple autos, and passive restraint.
- Auto-Owners Insurance may offer discounts for safe vehicle, multi-policy, group or association, company car, multiple vehicles, student away at school, and air bags.
- GEICO discounts include anti-theft, anti-lock brakes, daytime running lights, seat belt use, emergency military deployment, driver training, and good student.
- SAFECO may include discounts for safe driver, accident prevention training, teen safe driver, anti-theft, bundle discounts, and anti-lock brakes.
Double check with every company what discounts are available to you. Discounts may not apply in Jacksonville.
You may need specialized auto insurance coverage
When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's situation is a little different.
These are some specific questions might help in determining if your insurance needs will benefit from professional help.
- Is my Volkswagen e-Golf covered for smoke damage?
- Does my personal policy cover me when driving out-of-state?
- How does medical payments coverage work?
- What happens if I owe more than my Volkswagen e-Golf is worth?
- Do all my vehicles need collision coverage?
- Why are teen drivers so expensive to add on to my policy?
- When does my teenage driver need to be added to my policy?
- Am I covered if I hit a deer?
If you can't answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form.
Get rate quotes but still have a local Jacksonville insurance agency
A small number of people would rather buy from a licensed agent and that is just fine! A nice benefit of price shopping on the web is that drivers can save money and get cheap rate quotes but also keep your business local. Buying from local agents is still important in Jacksonville.
After completing this form (opens in new window), the coverage information is submitted to agents in your area that provide free Jacksonville auto insurance quotes to get your business. You won't even need to search for an agent because quoted prices will be sent directly to your email. Get lower rates without requiring a lot of work. If you wish to get a rate quote for a specific company, you can always go to their quote page to submit a rate quote request.
When narrowing the list to find a good insurance agency, it's helpful to know the types of agencies and how they are distinctly different. Car insurance agents may be either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
These type of agents are not locked into one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, your policy is moved internally which makes it simple for you.
When shopping rates, you definitely need to compare prices from at a minimum one independent agency for the best price selection. They often place coverage with companies you've never heard of that may provide cheaper car insurance rates.
Listed below is a short list of independent insurance agents in Jacksonville who may be able to give you free car insurance quotes.
- Mike Bell Insurance Agency
1819 3rd St N - Jacksonville Beach, FL 32250 - (904) 372-2355 - View Map
- Mizell Insurance Agency
11893 New Kings Rd - Jacksonville, FL 32219 - (904) 764-3336 - View Map
- Beans Insurance Agency, LLC
3041 Dunn Ave - Jacksonville, FL 32218 - (904) 766-1995 - View Map
Agents of this type generally can only insure with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training on their company's products which can be an advantage. Many people buy from exclusive agents primarily because of the brand and the convenience of having a single billing for all their coverages.
Below is a list of exclusive insurance agents in Jacksonville that are able to give rate quotes.
- Therese Quinn - State Farm Insurance Agent
1944 Southside Blvd - Jacksonville, FL 32216 - (904) 724-6040 - View Map
- Margie Harner - State Farm Insurance Agent
4540 Southside Blvd #1102 - Jacksonville, FL 32216 - (904) 296-2500 - View Map
- Kathy Scott - State Farm Insurance Agent
6018 San Jose Blvd - Jacksonville, FL 32217 - (904) 730-3665 - View Map
Deciding on a auto insurance agent needs to be determined by more than just a cheap price quote. Some important questions to ask are:
- How does the company pay claims for a total loss?
- Do they have cheaper tiers of coverage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How experienced are they in personal risk management?
- What is the agency's Better Business Bureau rating?
After you get acceptable answers to your questions as well as an affordable premium quote, most likely you have located an insurance agent that meets the criteria to properly insure your vehicles. Just remember once you purchase a policy you can cancel a policy whenever you choose to so never feel that you're stuck with any specific company for the full policy term.
Car insurance coverages for a Volkswagen e-Golf
Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, dental work, chiropractic care, doctor visits and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
Liability insurance will cover damage that occurs to a person or their property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 10/20/10 which stand for a $10,000 limit per person for injuries, $20,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like repair costs for stationary objects, bail bonds and repair bills for other people's vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford. Florida state law requires minimum liability limits of 10/20/10 but you should consider buying more liability than the minimum.
The next chart demonstrates why buying the state minimum limits may not be high enough to cover claims.
Auto collision coverage
This coverage covers damage to your e-Golf resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your e-Golf to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Volkswagen e-Golf.
Since a lot of drivers only carry the minimum required liability limits (which is 10/20/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liability limits.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hail damage, hitting a bird and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
The best insurance company isn't always the cheapest
We just covered a lot of ways to reduce Volkswagen e-Golf insurance premium rates online in Jacksonville. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a smaller regional carrier.
Consumers switch companies for a variety of reasons including not issuing a premium refund, being labeled a high risk driver, delays in responding to claim requests or even lack of trust in their agent. Whatever your reason, switching insurance companies is not as difficult as it may seem.
As you shop your coverage around, it's very important that you do not buy less coverage just to save a little money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to find out they didn't purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.
Steps to finding discount Volkswagen e-Golf insurance in Jacksonville
Really, the only way to find cheaper prices for car insurance rates is to make a habit of regularly comparing prices from insurance carriers in Jacksonville.
Step 1: Take a little time to learn about policy coverages and the measures you can control to keep rates in check. Many rating criteria that cause high rates like traffic violations and an unacceptable credit history can be improved by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while independent agents can provide prices from multiple sources.
Step 3: Compare the new rates to your existing policy and see if there is a cheaper rate in Jacksonville. If you find better rates, verify that coverage does not lapse between policies.
Step 4: Tell your current agent or company of your intent to cancel your current coverage. Submit a down payment and signed policy application for the new policy. Immediately upon receiving it, keep the new certificate verifying proof of insurance in your vehicle.
One thing to remember is that you'll want to compare identical deductibles and limits on each quote request and and to get rate quotes from as many different insurance providers as possible. This helps ensure an accurate price comparison and and a good selection of different prices.
To read more, feel free to browse these articles:
- Teen Driving Statistics (GEICO)
- What Auto Insurance is Cheapest for 16 Year Olds in Jacksonville? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Toyota Highlander in Jacksonville? (FAQ)
- Who Has Cheap Jacksonville Car Insurance for Business Use? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Your Car has been Stolen: Now What? (Allstate)