Automotive insurance is required by Florida state law for all drivers using the state’s roads. Failing to be able to provide proof of active, valid auto insurance if pulled over by law enforcement in the state can result in receiving a potentially expensive ticket. Unfortunately, car insurance rates can often be high for people who are young, or unmarried, not to mention a ton of other characteristics that actuaries care about, and also for individuals who have been in accidents before. Here’s how to get lower car insurance in Jacksonville when shopping around for rates.
Prove That You’ve Not Driven Many Miles
The farther drivers operate their vehicles, the more risk they put themselves at getting in a wreck. This trick only works if you have an existing policy that you recently bought. A few months after your car insurance purchase, go back to the insurer and prove that you haven’t driven the car you recently got insured very much. It’s likely that you will, in fact, end up getting a discount in this situation.
Maintain a High Credit Score
Most insurers factor your credit score into how much they charge you. Before getting out there and looking for car insurance in Jacksonville that’s cheap enough to suit your needs, work on getting that FICO score as high as possible. You’ll thank yourself later.
See About Insuring Multiple Vehicles
Insurance companies are in the business of managing risk. As long as they get more money from insurance premiums than they have to pay out, they make money. Insurers feel confident that vehicle risk rates are lower with customers who get two or more cars insured with them, given those two cars typically stay at the same residence. Ask how much you can save if you offer to bring other vehicles into the picture.
