Car Insurance Quotes in Jacksonville, FL
We have all seen the commercials, promising a quote in ten minutes or less. That is all well and good but a car insurance quote will not do you any good if you only get one of them. There are literally hundreds of insurance companies in the Jacksonville area. Not all insurance is created equal. If you fail to shop around, like with anything else you could up paying more than you need to. Even more than getting multiple quotes, it is important to know what you are looking at on the quotes. You need to be able to tell if they are quoting you what you need, or trying to pull the wool over your eyes.
A car insurance quote is typically comprised of four things.
A car insurance quote is typically comprised of four things.
Liability Insurance - This is simply the amount of coverage that your insurance agency will pay to another person if you are involved in an automotive accident. I.E. Medical expenses and property damage.
Personal Injury Protection - These are the dollar amounts that your insurance will pay out to you. Unlike the Liability there are plenty of options for this. It is important that you select the right amount without going overboard. The point of this is to cover your medical expenses, and lost wages etc.
Uninsured Motorist Insurance - This is also very important. If you are involved in an accident at no fault of your own the other party's insurance should cover your property damage and medical expenses. However, what happens if the other motorist is uninsured? That is where this section of the quote becomes important, if this happens to you your insurance will cover the costs (if you include it in your policy)
Deductible - This is the amount of money you will have to pay out of pocket in the event of an accident. The options you will see are typically $1000, $500, $250, or $100. You need to understand that selecting a higher deductible will lower your monthly premium, but take caution. In the event of an accident, you are responsible for paying your deductible before the insurance takes care of the rest. Therefore, if you have a $1000 deductible, and you don't have that much spare cash, your repairs are going to be held up. This can be very costly for many reasons. It is important to pick a deductible that you will realistically be able to come up with if you need to.
Personal Injury Protection - These are the dollar amounts that your insurance will pay out to you. Unlike the Liability there are plenty of options for this. It is important that you select the right amount without going overboard. The point of this is to cover your medical expenses, and lost wages etc.
Uninsured Motorist Insurance - This is also very important. If you are involved in an accident at no fault of your own the other party's insurance should cover your property damage and medical expenses. However, what happens if the other motorist is uninsured? That is where this section of the quote becomes important, if this happens to you your insurance will cover the costs (if you include it in your policy)
Deductible - This is the amount of money you will have to pay out of pocket in the event of an accident. The options you will see are typically $1000, $500, $250, or $100. You need to understand that selecting a higher deductible will lower your monthly premium, but take caution. In the event of an accident, you are responsible for paying your deductible before the insurance takes care of the rest. Therefore, if you have a $1000 deductible, and you don't have that much spare cash, your repairs are going to be held up. This can be very costly for many reasons. It is important to pick a deductible that you will realistically be able to come up with if you need to.
These are just four things on your quote that you should really pay attention to. There are a lot of other options and line items on a car insurance quote. If you are unsure of something, make sure to ask an insurance professional. Never be afraid to question totals or agreements. Remember they want to sign you up, and in most cases, they are more than willing to work with you.