Auto insurance in Jacksonville is a necessity. Just because the state requires you to have insurance doesn't mean you have to spend a fortune. There are a variety of discounts that you should know about. If you qualify for any or all of the discounts, you can lower your insurance premiums significantly.

MULTI-DRIVER DISCOUNTS

If you have another driver in the house, it’s often more affordable to put everyone on the same policy. Many insurance companies provide multi-driver discounts. As to how much it will save you, it’s going to depend on an array of other factors. Insurance companies look at the safety features of the car you drive, where you live, and the driving history of all of the drivers.

MULTI-LINE DISCOUNTS

Insurance companies often offer more than one type of insurance. You might qualify for multi-line discounts by obtaining multiple policies from the same insurance company. This means that you could get auto insurance in Jacksonville from a company as well as homeowners insurance, life insurance, and various other policies. Essentially, the company chooses to reward you for your loyalty by providing discounts.

GOOD DRIVER DISCOUNTS

If you are a good driver and have gone a year or longer without traffic citations or car accidents, you might qualify for a “good driver” discount. There are a lot of companies that offer this discount and it is commonly provided without you having to ask for it. They will simply review your driving history and determine if you qualify.

LOW MILEAGE DRIVER DISCOUNTS

There are often low mileage discounts offered if you drive less than 10,000 miles a year. The number of miles considered to be “low mileage” will often vary from company to company. Whether you don’t have to commute to work or you only use your vehicle occasionally, it is a discount worth exploring – and you might have to ask a company to apply the discount to your policy.

GOOD STUDENT DISCOUNTS

If you are a high school or college student (or have one on your policy), many insurance companies issue good student discounts. Often, this involves maintaining a GPA of 3.0 or higher. Insurance companies will often ask for a copy of the report card or transcript as proof and then apply the discount if one is available.

All sorts of discounts are available. Many insurance companies try to give you as many as you qualify for to keep your premiums low and win you as a customer. While you might not qualify for all of the discounts, it’s important to know what they are

It’s a good idea to work with an independent insurance agent. An agent will help you find affordable insurance and determine what discounts are available to you