If you have just started your auto insurance search in Jacksonville, you should keep a list of things in mind.
Start by reading what your state requires that you carry for coverage. Most states insurance departments have a site that will list what exactly is needed to become insured.
To determine a baseline for how much coverage you should have, first figure out what assets you own. If you have $100k worth of property, it is advised to carry insurance worth $100k.
Do you have any citations, at-faults, DUIs, or points on your record? These violations will cause raised premiums when you start searching for auto insurance. If you need to, print your driving record from your state DMV website.
Get out your current vehicle insurance statement and look at all of your current rates, to determine what types of coverage you might pay for. This will reveal a baseline to determine what you can drop, or may not have yet.
Online auto insurance comparison sites are great to utilize when you begin searching for quotes. One of the bigger names is http://InsWeb.com.
Now that you have finished using your internet insurance comparison options, it is time to use the phone. Compile a list of questions that you want to ask the representative.
Have you been a good driver for a long time? What about not letting your coverage lapse? If you think you might qualify for discounts, don’t be afraid to ask! You usually do qualify for a few!
JDPower and other company rating websites on the net will give you a grasp of what the insurance company is like. Look at their complaint ratings, and also how they handle claims.
Terminate your old auto insurance premiums! That is all that is left, the comparing is over. Get paperwork saying you terminated your old policy, and keep it close!