How to Know You're Paying Too Much for Auto Insurance in Jacksonville

Nobody I know looks forward to paying for auto insurance, especially knowing their premiums are too high. Companies like GEICO and Progressive all promote huge savings with advertising and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage periodically since insurance rates are constantly changing. Just because you had the lowest price six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you're about to find out the proper way to lower your rates without sacrificing coverage.

Jacksonville Auto Insurance Comparisons

Lowering your auto insurance rates can be surprisingly simple. Consumers just need to invest a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  • The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method prevents you from having to do boring form submissions to each individual auto insurance company. Just one form will return quotes from all major companies.
  • A harder way to shop for auto insurance online is to take the time to go to each company's website to request a price quote. For example, let's say you want to compare , and . To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Jacksonville, click here.

Which method you use is up to you, but be sure to compare exactly the same coverages and limits for each price quote. If you compare different deductibles it's not possible to truly determine the lowest rate in Jacksonville.

Jacksonville auto insurance comparison

Insurance agents can help

When choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

And the best car insurance company is...

As you restructure your insurance plan, it's a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits only to discover later that they should have had better coverage. Your aim should be to purchase plenty of coverage at a price you can afford.

Throughout this article, we presented a lot of information how to shop for auto insurance online. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. You may even find the lowest priced auto insurance comes from the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like .