The preferred way to quote cheaper car insurance rates in Jacksonville is to make a habit of regularly comparing prices from insurers that insure vehicles in Florida.
- Take a little time to learn about how companies price auto insurance and the changes you can make to lower rates. Many risk factors that result in higher prices such as traffic violations, accidents, and a negative credit rating can be amended by paying attention to minor details. Keep reading for ideas to prevent high prices and find possible discounts that are available.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can quote rates from many different companies.
- Compare the new rate quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Notify your current company of your decision to cancel the current policy and submit a signed application and payment for the new policy. As soon as you can, place the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
A crucial key to this process is that you’ll want to compare similar deductibles and liability limits on each price quote and and to get rate quotes from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and a complete price analysis.
It’s an obvious statement that insurance companies don’t want you to compare rates. Drivers who get comparison quotes at least once a year are likely to move their business because they stand a good chance of finding a cheaper policy. A recent insurance study discovered that people who made a habit of comparing rates saved on average $3,400 over four years compared to people who don’t regularly compare prices.
If saving money on auto insurance is the reason you’re reading this, then learning about how to shop and compare cheaper coverage can make the process less intimidating.
These discounts can slash Buick Rainier insurance rates
Insurance is not inexpensive, but you might be missing out on some discounts that you may not know about. Some discounts apply automatically when you quote, but lesser-known reductions have to be manually applied prior to receiving the credit.
- Good Students Pay Less – Performing well in school may save as much as 25% on a Jacksonville car insurance quote. Most companies allow this discount well after school through age 25.
- Discount for Home Ownership – Owning a home in Jacksonville can save you money since home ownership is proof that your finances are in order.
- Claim-Free Discount – Drivers with accident-free driving histories get the best insurance rates as opposed to bad drivers.
- Early Signing – Select insurance companies give a discount for buying a policy before your current Rainier insurance policy expires. The savings is around 10%.
- Military Discounts – Being on active duty in the military may lower your premium rates slightly.
- Senior Discount – Drivers that qualify as senior citizens may receive lower premium rates.
- Telematics Data – Drivers that enable their company to look at driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they are good drivers.
- Paperless Signup – Many companies may give you up to $50 simply for signing on the web.
- Drive Safe and Save – Safe drivers can pay as much as 50% less compared to rates paid by drivers with frequent claims.
It’s important to note that most discounts do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.
To see insurance companies that offer the discounts shown above in Florida, follow this link.
When quoting insurance, remember that making a lot of price comparisons helps increase your odds of locating a lower rate than you’re paying now.
The companies shown below have been selected to offer free quotes in Jacksonville, FL. If multiple companies are listed, we recommend you get rate quotes from several of them to get a more complete price comparison.
Find Cheaper Car Insurance with These Tips
Smart consumers have a good feel for the different types of things that help calculate the price you pay for car insurance. When you understand what determines base rates, this enables informed choices that may result in better car insurance rates.
- Frequent insurance claims increase prices – If you are a frequent claim filer, don’t be surprised to see higher rates. Car insurance companies in Florida give the best rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
- Compare rates if you bundle your policies – Most major companies afford discounts to insureds that purchase more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount drivers will still want to comparison shop to help ensure you have the lowest rates.
- Pleasure use or commuting – The higher the mileage driven annually the more you will pay for car insurance. A lot of insurance companies apply a rate partially by how you use the vehicle. Cars and trucks that sit idle most of the time can get a lower rate as compared to vehicles used primarily for driving to work. Improper usage on your Rainier can cost quite a bit. Verify your car insurance policy is showing the correct usage for each vehicle.
- Always have car insurance – Having a lapse in insurance coverage can be a sure-fire way to bump up your car insurance costs. Not only will you pay more, failure to provide proof of insurance may earn you fines or a revoked license. You may then be required to file a SR-22 with the Florida department of motor vehicles.
- What are your deductibles? – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Buick from damage. Some instances where coverage would apply would be a broken side mirror, damage from fire, or theft. Comprehensive and collision coverage deductibles are how much the insured will be required to pay if the claim is covered. The more damage repair cost the insured has to pay upfront, the lower your rates will be.
- Big cities have higher prices – Being located in small towns and rural areas has definite advantages when buying car insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.
- Defend yourself with liability insurance – The liability section of your policy will protect you if you are ruled to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
- If you don’t need it don’t buy it – Insurance policies have a lot of additional coverages that can add up but may not be useful. Coverages for rental car coverage, accidental death, and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but if they’re wasting money eliminate them to save money.
Insurance agencies near you
A small number of people just want to buy from a local agent and we recommend doing that A nice benefit of comparing rate quotes online is the fact that you can find cheap auto insurance quotes but still work with a licensed agent. Buying from neighborhood agents is important particularly in Jacksonville.
To find an agent, once you fill out this short form, your information is sent to companies in Jacksonville who can give free rate quotes and help you find cheaper coverage. You never need to visit any agencies because prices are sent straight to your inbox. You can find lower rates AND an agent nearby. In the event you want to compare rates from one company in particular, just visit that company’s website and complete a quote there.
Exclusive and independent Jacksonville car insurance agents
If you want local Jacksonville agents, it helps to know the two different types of agents and how they function. Jacksonville agents are either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agencies
Agents in the independent channel do not write with just one company and that enables them to quote your coverage with many different companies and find you cheaper rates. If they quote lower rates, your agent can switch companies and you don’t have to do anything. When comparison shopping, it’s recommended you get rate quotes from a couple of independent agencies in order to compare the most rates. A lot of them also have access to smaller regional carriers which can be an advantage.
The following is a short list of independent agencies in Jacksonville that may be able to give you rate quotes.
- Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441 – View Map - State Insurance Agency
803 3rd St N – Jacksonville Beach, FL 32250 – (904) 247-5599 – View Map - Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map
Exclusive Insurance Agents
Agents of this type are contracted to one company and examples are State Farm or Allstate. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agents are usually well trained on what they offer and that enables them to sell even at higher rates. Consumers frequently use the same exclusive agent primarily because of high brand loyalty and solid financial strength.
The following is a list of exclusive insurance agents in Jacksonville that are able to give rate quotes.
- John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060 – View Map - Jim Register – State Farm Insurance Agent
12058 San Jose Blvd #302 – Jacksonville, FL 32223 – (904) 268-5522 – View Map - Vonnie Wiggins – State Farm Insurance Agent
11757 Beach Blvd #7 – Jacksonville, FL 32246 – (904) 641-0090 – View Map
Picking an insurance agent requires you to look at more than just the price. Get answers to these questions too.
- Does the quote include credit and driving reports?
- Do the agents have professional certifications like CPCU or CIC?
- Are they able to provide referrals?
- Is every driver in your family covered?
- Is the coverage adequate for your vehicle?
- Are they involved in claim handling?
Why you need insurance for your Buick Rainier
Despite the high cost of buying insurance for a Buick Rainier in Jacksonville, auto insurance may not be optional for several reasons.
- Almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance coverage in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Buick Rainier, more than likely the lender will have a requirement that you have insurance to guarantee payment of the loan. If you let the policy lapse, the lender will be forced to insure your Buick for a much higher rate and force you to pay the higher premium.
- Auto insurance preserves both your car and your assets. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. But the average American driver overpays as much as $750 every year so smart consumers compare quotes at every policy renewal to save money.
Don’t give up on affordable coverage
The cheapest Buick Rainier insurance in Jacksonville is possible on the web and from local insurance agents, so you need to shop Jacksonville car insurance with both to get a complete price analysis. Some insurance companies may not have online rate quotes and many times these regional insurance providers prefer to sell through local independent agencies.
Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices or policy non-renewal. Regardless of your reason, finding a new company is less work than it seems.
You just read a lot of ways to shop for Buick Rainier insurance online. The key thing to remember is the more you quote Jacksonville car insurance, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising.
More information
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- How Much are Jacksonville Auto Insurance Rates for 17 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Male in Jacksonville? (FAQ)
- What Auto Insurance is Cheapest for a Toyota RAV4 in Jacksonville? (FAQ)
- How Much is Auto Insurance for a Ford Fusion in Jacksonville? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Under 25 in Jacksonville? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- State Car Insurance Guides (GEICO)
- Collision Insurance Coverage (Nationwide)