If you are shopping around for the auto insurance Jacksonville drivers need there are four important facts you should know:
1. Deductible versus Liability: Many people get caught up in their monthly payments and forget about what they are actually covering with their payments. It is advisable you opt for the highest deductible and have higher liability coverage instead of having a lower deductible and not enough liability coverage. It will be a lot easier to fork over $500 to cover damages than to try to find the money to cover personal injury. The higher liability will not cost as much as you might think. You can talk to your rep to find out the best deal for you. Then be certain your insurance coverage applies to each person injured and is not a lump sum divided per person. This means if one person is seriously injured you will be able to cover the full amount of damages.
2. Rental Vehicle: If you have just the one car and depend on your vehicle to get around each day be certain you have rental vehicles covered in your policy. Not all policies will have this and if you don’t and your car is damaged and off the road for repairs you will have to fork out a lot of money to rent a car on your own.
3. Keep a Clean Record: Both your credit and your driving record should be as clean as possible. Many insurance companies will charge more if you have a bad credit rating and of course your premiums will be higher the worse your driving record. Pay attention to the rules of the road and avoid getting tickets so you pay the lowest possible rates.
4. Know your Discounts: Many people do not realize how many discounts are available for their insurance. Good driving records, the safety of your car, how far you drive each day and even if you have anti-theft devices on your car will all bring your premiums down. Teens and seniors can also get discounts for taking defensive or safe driving courses.
Keeping these four points in mind in hand will help you Get The Auto Insurance Jacksonville needs for the best possible coverage and lowest annual fees.
