Reader’s Question:

I am getting a new auto insurance for my second car here in Jacksonville, Florida. Aside from paying higher deductibles, what do you think are the other things that could make my rates lower?

Paisley

Jacksonville, FL

Aside from opting to pay higher deductibles, you can have lower rates for the auto insurance on your second car in Jacksonville, Florida if you are a conservative driver. A lot of auto insurance providers would lower the amount of your insurance policy if have a perfect driving record. If you were never involved in any accidents, and have never received a ticket from a police officer for a certain number of years, your auto insurance provider would surely notice this and offer you lower premiums. If you are a careful driver and do not take any unnecessary risks, you have a high chance of getting cheaper auto insurance rates.

The type of automobile you have could also have an effect on your insurance rates. Showy cars like a Corvette or a big new Hummer may have higher premiums because they are correlated with risky driving according to statistics. Moreover, those types of car are more commonly subject to theft and vandalism. On the other hand, a medium-sized, unremarkable sedan will be considered as lower risk by auto insurance providers.

Tags: auto insurance, auto insurance rate, cheap auto insurance