Buy Cheap Jacksonville Auto Insurance

Having to pay for overpriced auto insurance can drain your checking account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Drivers have multiple to pick from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

Choosing the best insurance company for you in Jacksonville is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. North Carolina drivers only need an understanding of the proper way to shop their coverage around on the web.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that could result in big savings.

Shown below are a partial list of the pieces auto insurance companies consider when setting premiums.

Extra coverages can waste money - There are quite a few add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and term life insurance may be costing you every month. They may seem good at first, but if they're wasting money eliminate them to save money.
Pay less if you're married - Having a wife or husband helps lower the price on your policy. Having a spouse means you're more mature and responsible and it's statistically proven that married drivers get in fewer accidents.
More miles equals more premium - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Most insurance companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
Teen drivers pay high rates - Teen drivers in North Carolina have a tendency to get distracted easily when driving so they pay higher auto insurance rates. Parents adding a teen driver to your auto insurance policy can be quite pricey. More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
Protect yourself with liability coverage - Your policy's liability coverage is the protection if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Drive a safer car and pay less - Vehicles with good safety scores can get you lower premiums. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates.

Auto Insurance Prices in Jacksonville, North Carolina

All major auto insurance companies like 21st Century, Allstate and State Farm quote coverage prices on the web. This process is quite simple as you just enter the coverages you want into the quote form. After the form is submitted, the company's rating system will obtain your credit score and driving record and gives you a price quote based on these factors. This helps simplify price comparisons, but the process of having to visit each company's website and repetitively complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you are searching for a lower rate.

The preferred way to find lower prices uses one form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes online shopping much easier to do. After sending your information, it is quoted with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the policy. It just takes a couple of minutes and can result in significant savings.

To find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended you complete the form with the insurance coverages exactly as they are listed on your policy. This makes sure you will be getting comparison quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't always list all available discounts very clearly, so we researched both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit you deserve, you are paying more than you should be.

Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
Safety Course Discount - Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.
Multiple Cars - Having all your vehicles with the same company could earn a price break for each car.
Save over 55 - If you're over the age of 55, you may receive better auto insurance rates.
Organization Discounts - Participating in a qualifying organization is a good way to get lower rates when buying auto insurance.

It's important to understand that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

To choose insurers with discount auto insurance rates in North Carolina, click here to view.

Switch companies and save? Really?

North Carolina consumers can't ignore all the ads for car insurance savings by 21st Century, Allstate and State Farm. All the companies make an identical promise of big savings if you change to their company.

How does each company make almost identical claims?

All the different companies have a preferred profile for the driver that makes them money. For instance, a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards must pay higher prices and ends up with the driver buying from a lower-cost company. The ads state "people who switch" not "everyone that quotes" save that much. This is how insurance companies can confidently advertise the savings. This illustrates why you need to get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

More tips and info about auto insurance is located at the North Carolina Department of Insurance website. North Carolina consumers can discover disciplinary actions, get help finding coverage, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.

Other informative sites include this resource for North Carolina auto insurance prices and this page of Jacksonville insurance agents.

A tidy conclusion

Low-cost auto insurance is attainable online and also from your neighborhood Jacksonville agents, so you should compare both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.