Really, the only way to find the cheapest price for car insurance rates is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Jacksonville.
Step 1: Gain an understanding of how car insurance works and the factors you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates like multiple speeding tickets and a poor credit score can be remedied by making minor driving habit or lifestyle changes.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive and State Farm, while agents who are independent can provide prices from many different companies. Get quotes now
Step 3: Compare the new quotes to your current policy premium to see if you can save by switching companies. If you can save money and change companies, ensure coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intention to cancel your current auto insurance policy and submit a signed application and payment to the newly selected company. Once received, store the certificate of insurance in your glove compartment.
One important bit of advice is to make sure you enter similar coverage information on every quote and and to get rate quotes from as many companies as possible. This helps ensure an accurate price comparison and a good representation of prices.
It’s a known fact that car insurance companies don’t want you quoting rates from other companies. Drivers who shop for lower prices will probably switch to a new company because they have good chances of finding a policy with better rates. A recent study showed that people who compared rates once a year saved as much as $3,450 over four years compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price on auto insurance is your objective, learning how to compare car insurance can make the process less intimidating.
The intent of this article is to instruct you on how car insurance companies work and also pocket some savings If you have insurance now, you should be able to shop for the lowest rates using these methods. But Florida consumers can benefit by having an understanding of the way insurance companies calculate their prices and use this information to your advantage.
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When comparison shopping, there are several ways to obtain and compare prices from different Jacksonville insurance companies. One of the best ways to find the cheapest insurance rates consists of shopping online.
Keep in mind that getting more free quotes increases the chance that you will find a lower rate. Not every company provides online rate quotes, so you also need to get prices from the smaller companies as well.
The auto insurance companies shown below provide price comparisons in Florida. If multiple companies are shown, it’s a good idea that you click on several of them to get a more complete price comparison.
Auto insurance quotes from local neighborhood Jacksonville car insurance agents
Many drivers just prefer to go talk to an agent and that is a smart decision A nice benefit of comparing auto insurance online is that you can find lower rates and still have a local agent. And buying from local agents is important especially in Jacksonville.
After filling out this simple form, your coverage information gets sent to participating agents in Jacksonville who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent as quotes are delivered to the email address you provide. It’s the lowest rates without a big time investment. If you wish to compare rates from a specific company, you can always navigate to their website and complete a quote there.
If you need to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they differ in how they can insure your vehicles. Jacksonville agents are classified as either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Agents of this type can sell policies from many different companies and that allows them to write policies through many companies and potentially find a lower price. If they find a cheaper price, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rate quotes, you need to get insurance quotes from several independent agencies in order to compare the most rates. They often place coverage with small mutual carriers that can offer cheaper rates than bigger companies.
Listed below are Jacksonville independent agents that can possibly get you free rate quotes.
- Erwin Insurance Agency-Beach
5243 Beach Blvd – Jacksonville, FL 32207 – (904) 391-1003 – View Map - Contemporary Affordable Insurance Agency
212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map - Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 – View Map
Exclusive Agencies
Exclusive insurance agents generally can only insure with one company and examples are Farmers Insurance or State Farm. They generally cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are usually well trained on their company’s products and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives mainly due to the brand instead of buying on price only.
The following is a list of exclusive insurance agents in Jacksonville that are able to give comparison quotes.
- Jim Register – State Farm Insurance Agent
12058 San Jose Blvd #302 – Jacksonville, FL 32223 – (904) 268-5522 – View Map - Randy Taylor – State Farm Insurance Agent
3041 Monument Rd #1 – Jacksonville, FL 32225 – (904) 642-2400 – View Map - Allstate Insurance: Stephanie Ando
3546 St Johns Bluff Rd S #109 – Jacksonville, FL 32224 – (904) 645-8880 – View Map
Deciding on an auto insurance agent should depend on more than just the bottom line cost. Here are some questions to ask:
- Did they already check your driving record and credit reports?
- If you have an accident, will your rates go up?
- If you raise deductibles, how much can you save?
- Are they in the agency full-time?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- If they are an independent agency in Jacksonville, which companies do they recommend?
- Can you use your own choice of collision repair facility?
Once you have positive feedback to your questions as well as an affordable premium quote, it’s a good possibility that you have found an insurance agent that can adequately provide auto insurance.