A recent survey discovered that the vast majority of consumers kept buying from the same company for over three years, and nearly 40% of drivers have never shopped around. Florida consumers can cut their rates by almost $1,126 a year just by shopping around, but they just feel it’s too hard to find cheaper rates by getting comparison quotes.
If you want to find the absolute lowest rates, then the best way to quote cheaper auto insurance rates in Jacksonville is to start comparing prices yearly from insurance carriers that sell auto insurance in Florida.
First, get a basic knowledge of policy coverages and the modifications you can make to keep rates low. Many risk factors that increase rates like at-fault accidents and an unacceptable credit history can be improved by making small lifestyle or driving habit changes. Keep reading for ideas to help prevent expensive coverage and find hidden discounts.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can quote rates from multiple sources.
Third, compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
Fourth, provide notification to your current agent or company to cancel your current car insurance policy. Submit the application along with any required down payment for the new policy. Make sure you place your new proof of insurance certificate in an accessible location in your vehicle.
One thing to point out is that you use similar deductibles and liability limits on every price quote and and to get quotes from as many companies as feasibly possible. This ensures a fair rate comparison and the best price quote selection.
If you have a policy now, you should be able to shop for the lowest rates using this strategy. This article will introduce you to how insurance works. Nevertheless, Florida consumers need to learn how big insurance companies calculate your car insurance rates and apply this information to your search.
The quickest method to compare rate quotes for Chevy Cobalt insurance in Jacksonville is to realize almost all companies actually pay money for the chance to compare their rates. The only thing you need to do is give the companies some data such as deductibles desired, if you have an active license, an estimate of your credit level, and how you use your vehicles. That rating information is instantly submitted to many different companies and you should receive rate quotes very quickly.
To find the cheapest Chevy Cobalt insurance rates, click here and see if a lower rate is available in Jacksonville.
The companies in the list below offer quotes in Jacksonville, FL. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.
Determine discounts on Jacksonville auto insurance
Some insurance providers do not advertise the entire discount list in a way that’s easy to find, so the following is a list of both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Jacksonville car insurance online. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
- College Student Discount – Older children who attend college more than 100 miles from Jacksonville and do not have a car may be able to be covered for less.
- Accident Forgiveness Coverage – This one is not really a discount per se, but some companies like GEICO and Liberty Mutual will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear before the accident.
- Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a Jacksonville car insurance quote.
- Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
- Smart Student Discounts – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
As a footnote on discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help lower your auto insurance premiums.
The illustration below shows the comparison of Chevy Cobalt insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, marriage, safe-driver, and claim-free discounts applied.
To see providers who offer online Chevy Cobalt insurance quotes in Jacksonville, click here.
Chevy Cobalt insurance analysis
The premium information shown below showcases detailed analysis of insurance policy prices for Chevy Cobalt models. Being able to understand how insurance rates are calculated is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $320 | $640 | $618 | $36 | $184 | $1,798 | $150 |
| Cobalt XFE 4-Dr Sedan | $320 | $640 | $618 | $36 | $184 | $1,798 | $150 |
| Cobalt LS 2-Dr Coupe | $368 | $640 | $684 | $40 | $204 | $1,936 | $161 |
| Cobalt XFE 2-Dr Coupe | $368 | $640 | $684 | $40 | $204 | $1,936 | $161 |
| Cobalt LT 4-Dr Sedan | $368 | $640 | $618 | $36 | $184 | $1,846 | $154 |
| Cobalt LT 2-Dr Coupe | $414 | $640 | $684 | $40 | $204 | $1,982 | $165 |
| Cobalt SS Turbo 2-Dr Coupe | $462 | $834 | $684 | $40 | $204 | $2,224 | $185 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can change prices significantly.
Where to set your deductibles
One frequently asked question is which comprehensive and collision deductibles to buy. The data tables below illustrate the costs and benefits when you choose different physical damage deductibles. The first data set uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $280 | $640 | $472 | $28 | $142 | $1,587 | $132 |
| Cobalt XFE 4-Dr Sedan | $280 | $640 | $472 | $28 | $142 | $1,587 | $132 |
| Cobalt LS 2-Dr Coupe | $322 | $640 | $522 | $30 | $156 | $1,695 | $141 |
| Cobalt XFE 2-Dr Coupe | $322 | $640 | $522 | $30 | $156 | $1,695 | $141 |
| Cobalt LT 4-Dr Sedan | $322 | $640 | $472 | $28 | $142 | $1,629 | $136 |
| Cobalt LT 2-Dr Coupe | $364 | $640 | $522 | $30 | $156 | $1,737 | $145 |
| Cobalt SS Turbo 2-Dr Coupe | $406 | $834 | $522 | $30 | $156 | $1,973 | $164 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $174 | $402 | $472 | $28 | $142 | $1,218 | $102 |
| Cobalt XFE 4-Dr Sedan | $174 | $402 | $472 | $28 | $142 | $1,218 | $102 |
| Cobalt LS 2-Dr Coupe | $200 | $402 | $522 | $30 | $156 | $1,310 | $109 |
| Cobalt XFE 2-Dr Coupe | $200 | $402 | $522 | $30 | $156 | $1,310 | $109 |
| Cobalt LT 4-Dr Sedan | $200 | $402 | $472 | $28 | $142 | $1,244 | $104 |
| Cobalt LT 2-Dr Coupe | $224 | $402 | $522 | $30 | $156 | $1,334 | $111 |
| Cobalt SS Turbo 2-Dr Coupe | $250 | $524 | $522 | $30 | $156 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can alter premiums substantially.
Based on this data, using a $250 deductible will cost you approximately $33 more each month or $396 a year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claims, you would most likely save money if you choose the higher deductible. The numbers below show an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
The chart below demonstrates how deductible levels and can increase or decrease Chevy Cobalt insurance costs for each age group. Data assumes a single male driver, full coverage, and no discounts are taken into consideration.
Comparison of insurance rates by age and gender in Jacksonville
The example below illustrates the comparison of Chevy Cobalt auto insurance rates for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in.
Educated Choices Result in Lower Insurance Prices
Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for insurance. If you have a feel for what impacts premium levels, this enables informed choices that could help you find much lower annual insurance costs.
- More traffic equals higher costs – Choosing to live in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. Urban drivers have more traffic problems and longer commutes to work. More time commuting means more chance of being in an accident.
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More performance means higher prices – The performance level of the car, truck or SUV you need to insure makes a significant difference in the rate you pay. Lower performance four cylinder passenger models generally receive the lowest base rates, but other factors influence the final cost greatly.
The next chart uses these variables: married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Chevrolet Cobalt rates compared to other vehicles that have different performances.
- Liability protection risk factors – The liability coverage on your policy will protect you if you are responsible for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
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With age comes responsibility – More experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and are generally more financially stable. Young drivers have been known to be more careless when behind the wheel so insurance rates are higher.
The data below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.
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Bad drivers pay high premiums – Your driving record impacts premiums far more than you think. Having just one speeding ticket may cause rates to rise to the point where it’s not affordable. Good drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received multiple violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
The chart below illustrates how violations and at-fault fender-benders can influence Chevy Cobalt car insurance rates for different insured age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Local neighborhood insurance agents
Many drivers still like to get advice from a local agent. The biggest benefit of comparing rates online is you may find lower rates and still buy from a local agent.
For easy comparison, once you complete this form (opens in new window), the coverage information is instantly submitted to participating agents in Jacksonville that provide free Jacksonville car insurance quotes for your coverage. You never need to drive around because prices are sent instantly to you. It’s the lowest rates without having to waste a lot of time. If you wish to compare prices from a specific company, you can always find their quoting web page and fill out their quote form.
Picking the best provider is decision based upon more than just a cheap quote. Here are some questions you should ask.
- Are they giving you every discount you deserve?
- How are claims handled?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they specialize in personal lines auto insurance in Jacksonville?
- Can glass claims be handled at your home?
- Will a damage claim use OEM or aftermarket replacement parts?
- By raising physical damage deductibles, how much would you save?
- Are they actively involved in the community?
Choose an insurance agent wisely
When looking for a local agent, you should know the different types of agencies and how they function. Insurance agents are classified as either exclusive or independent agents depending on their company appointments.
Exclusive Agents
Agents that elect to be exclusive can only quote rates from one company such as Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agencies are well trained on the products they sell and that can be a competitive advantage. A lot of people choose to use a exclusive agent mainly due to the prominence of the brand rather than low rates.
The following are exclusive insurance agencies in Jacksonville that are able to give comparison quotes.
- Allstate Insurance: Jeff Bernard
7530 103rd St Ste 13 – Jacksonville, FL 32210 – (904) 777-3130 – View Map - Parvez Sahotra – State Farm Insurance Agent
3267 Hodges Blvd #14 – Jacksonville, FL 32224 – (904) 221-1161 – View Map - Therese Quinn – State Farm Insurance Agent
1944 Southside Blvd – Jacksonville, FL 32216 – (904) 724-6040 – View Map
Independent Agents
These agents do not have single company limitations so they can insure your vehicles with many different companies and find you the best rates. If you are not satisfied with one company, they simply switch companies in-house and you won’t have to switch agencies.
If you need lower rates, you absolutely need to get insurance quotes from multiple independent agents in order to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.
Below is a list of independent agencies in Jacksonville that can give you rate quotes.
- Frye Insurance Agency, Inc.
1851 University Blvd S – Jacksonville, FL 32216 – (888) 812-2985 – View Map - Norris Insurance Agency
10695 Beach Blvd #1 – Jacksonville, FL 32246 – (904) 329-7950 – View Map - Jim White Insurance Agency
1840 Dunn Ave #6 – Jacksonville, FL 32218 – (904) 751-2222 – View Map
One last thing to lower rates
People who switch companies do it for any number of reasons including unfair underwriting practices, high prices, questionable increases in premium or poor customer service. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.
As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.
In this article, we covered some good ideas how you can get a better price on Chevy Cobalt insurance in Jacksonville. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest prices are with a company that doesn’t do a lot of advertising.
Additional information can be read at the links below
- Information for Teen Drivers (GEICO)
- What Auto Insurance is Cheapest for 16 Year Olds in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Sentra in Jacksonville? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Things to Know Before you Cancel Insurance (Allstate)
- Neck Injury FAQ (iihs.org)