Shop smart for car insurance in Jacksonville. Here’s what you need to know before you proceed.
Pick the right car
A sports car may look great in your garage. But that’s going to mean bigger premiums for you. The type of car you’ll choose will affect the cost of your insurance, How Stuff Works says. Sport-utility vehicles often command higher insurance rates. If you want to save on costs, go for cars that aren’t at a higher risk of getting stolen.
Factor in your age and gender
Drunk driving accidents are often associated with teens. That’s why premiums for teens are often astronomical. Also, rates for women are often higher than those of men.
Declare changes in your status
Insurance companies often charge better rates for married people. That’s because of the assumption that parents who drive around with kids in the car are much more careful. If you just got married and you’re shopping around for car insurance in Jacksonville, declare that change in your marital status.
Drive carefully
Insurance providers also check your driving record. If you’ve got a stellar one, then you’re much more likely to get better rates over someone who has a ton of speeding tickets.
Decide on the coverage
How much coverage will you need? Just a tip, though: never go for the minimum. Being underinsured isn’t going to give you the help you need in case an accident happens. Do the math so you’ll have a better idea of how much you should go for in terms of coverage.
Do your homework
It won’t hurt to ask the insurance company if they have any discount offers. Do a bit of research as well if you like. That way, you’ll know if there are discounts or not.
Save on your premium costs. Be sure to keep these tips in mind when you shop for insurance rates.
