Want to save money and find lower-priced auto insurance rates in Gainesville, FL? Searching for the cheapest quotes online might appear somewhat intimidating for people not familiar with buying their auto insurance online. Since there are so many companies competing online, how can people have the ability to compare every possible option in order to find the best price?
Astonishing but true according to a recent study, the majority of drivers have been with the same company for a minimum of four years, and roughly 40% of drivers have never even compared rates from other companies. With the average auto insurance premium being $2,158, Florida drivers could save an average of up to $1,130 each year by just comparing rate quotes, but they feel it's too difficult to compare rates.
It is always a good idea to get comparison quotes as often as possible because auto insurance prices fluctuate regularly. Even if you think you had the best price on auto insurance two years ago there may be better deals available now. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to how to quote online to buy cheaper auto insurance.
Get affordable rates by applying these five discounts
Some insurance providers don't always list every policy discount very well, so here is a list a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy Gainesville car insurance online.
- Renewal Discounts - A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. You can save around 10% with this discount.
- College Student - Older children who are enrolled in higher education away from home and leave their car at home could get you a discount.
- Homeowners Savings - Owning a home in Gainesville may trigger a policy discount on car insurance since home ownership requires personal responsibility.
- Anti-lock Brake System - Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Clubs and Organizations - Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.
A few companies that may offer quotes with most of the discounts above possibly include:
Double check with each insurance company to apply every possible discount. Some discounts may not be offered in your area. To find providers that can offer you the previously mentioned discounts in Florida, click this link.
Finding auto insurance in Gainesville, FL
When shopping for auto insurance there are multiple ways of comparing price quotes from many auto insurance companies in Florida. The best way to compare rates is to use the internet to compare rates. It's important to know that comparing a large number of companies provides better odds of finding a lower rate. Not every company does online rate quotes, so it's important to compare price estimates from the smaller companies as well.
The companies in the list below can provide price quotes in Florida. If you want cheaper auto insurance in Florida, we suggest you get price quotes from several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu Hybrid||$990||$495||$83|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,778||$889||$148|
|Dodge Ram Quad Cab SLT 4WD||$1,796||$898||$150|
|Ford Escape XLS 2WD||$1,054||$527||$88|
|Ford Explorer XLT 4WD||$1,330||$665||$111|
|Ford F-150 Lariat King Ranch 4WD||$1,540||$770||$128|
|Ford Focus SES 2-Dr Coupe||$1,542||$771||$129|
|GMC Sierra SLE Regular Cab 2WD||$1,102||$551||$92|
|Honda Accord LX 4-Dr Sedan||$1,110||$555||$93|
|Honda CR-V LX 4WD||$934||$467||$78|
|Honda Civic EX-L 4-Dr Sedan||$1,626||$813||$136|
|Hyundai Elantra SE Touring Station Wagon||$1,180||$590||$98|
|Hyundai Sonata GLS 4-Dr Sedan||$1,178||$589||$98|
|Jeep Wrangler Sport 4WD 2-Dr||$962||$481||$80|
|Kia Optima LX||$1,180||$590||$98|
|Nissan Altima Hybrid 4-Dr Sedan||$1,560||$780||$130|
|Toyota Camry LE||$1,478||$739||$123|
|Toyota Corolla XRS||$1,372||$686||$114|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in zip code location which can alter premium rates substantially.
Safe drivers pay cheaper rates
The information below highlights how traffic violations and at-fault collisions can increase Chevrolet Tahoe annual premium costs for different categories of driver ages. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.
What if I want to buy from local Gainesville insurance agents?
Certain consumers prefer to go talk to an agent and that can be a great decision A good thing about comparing insurance online is that you can find cheap insurance rates but still work with a licensed agent.
Upon completion of this short form, your insurance data is emailed to agents in your area that provide free Gainesville car insurance quotes for your business. It simplifies rate comparisons since you won't have to visit any agencies since price quotes are sent to you instantly. You can get cheaper insurance rates without having to waste a lot of time. If for some reason you want to get a rate quote from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.
Choosing a insurer should depend on more than just the price. A good agent in Gainesville will have answers to these questions.
- Does the agent have professional designations like CIC, CPCU or AIC?
- How does the company pay claims for a total loss?
- Will the agent help in case of a claim?
- Can you contact them at any time?
- Does the agency have a positive business rating?
- Which companies do they recommend if they are an independent agency?
- By raising physical damage deductibles, how much would you save?
- Are they able to provide referrals?
Exclusive agents vs. Independent agents
If you are searching for a local Gainesville insurance agent, it's helpful to know the types of agencies and how they can write your policy. Agencies in Gainesville can be classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company's rates like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare other company's rates so you might not find the best rates. These agents are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives mainly due to the prominent brand name rather than low rates.
Independent Insurance Agencies
These agents are not restricted to one company and that gives them the ability to insure with any number of different companies and potentially find a lower price. If your agent finds better pricing, they simply move your policy to a different company and you don't have to do anything.
If you are comparing rate quotes, we recommend you include price quotes from a couple of independent agencies in order to compare the most rates. Most independent agents also contract with companies you've never heard of who may have lower rates.
After talking to the agent and getting good feedback to these questions and a low price estimate, you may have found a car insurance agent that meets the criteria to provide insurance coverage. Just remember it's your coverage and you can cancel a policy whenever you want so don't assume that you are obligated to your new company for any length of time.
Why you need to buy auto insurance
Despite the high insurance cost in Gainesville, paying for auto insurance is required for several reasons.
- Almost all states have minimum liability requirements which means you are required to carry a minimum amount of liability insurance if you don't want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a lienholder, almost every bank will have a requirement that you have full coverage to guarantee loan repayment. If you let the policy lapse, the bank may insure your vehicle for a lot more money and force you to reimburse them much more than you were paying before.
- Insurance protects both your car and your assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your auto insurance policy will pay to have it repaired.
The benefits of buying auto insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Florida is currently overpaying as much as $820 a year so we recommend shopping around once a year at a minimum to make sure the price is not too high.
Car insurance coverage information
Knowing the specifics of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, ambulance fees, prosthetic devices, funeral costs and dental work. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Comprehensive (Other than Collision) - This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as falling objects, vandalism, hitting a bird, theft and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Liability - This protects you from injuries or damage you cause to other's property or people that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 10/20/10 that translate to $10,000 bodily injury coverage, a total of $20,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims such as medical expenses, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but it's cheap coverage so purchase higher limits if possible. Florida requires minimum liability limits of 10/20/10 but you should think about purchasing more coverage.
Collision - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants and also any damage incurred to your vehicle.
Because many people carry very low liability coverage limits (Florida limits are 10/20/10), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Cheaper insurance is a realistic goal
We've covered some good ideas how to save on insurance in Gainesville. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the most savings is with a company that doesn't do a lot of advertising.
Insureds who switch companies do it for a number of reasons such as high prices, delays in responding to claim requests, policy non-renewal and extreme rates for teen drivers. It doesn't matter why you want to switch finding a great new company is less work than it seems.
When searching for the cheapest Gainesville car insurance quotes, it's not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed physical damage coverage only to find out that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
More information is available on the following sites:
- Electronic Stability Control FAQ (iihs.org)
- Who Has Affordable Car Insurance Rates for a Toyota Tacoma in Florida? (FAQ)
- What is the Best Cheap Auto Insurance in Miramar, FL? (FAQ)
- Who Has the Cheapest Car Insurance for Low Credit Scores in Florida? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)