Best Insurance for a Chevy Camaro in Jacksonville

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Sadly, about 70% of customers kept buying from the same company for four years or more, and about 40% of consumers have never quoted rates to find cheaper coverage. With the average premium in Florida being $2,160, drivers can save almost 55% each year just by getting comparison quotes, but they just don't understand how much money they would save if they moved their coverage to a different company.

Insurance for Chevy CamaroIf your goal is the lowest price, then the best way to save on Chevy Camaro insurance in Jacksonville is to compare prices regularly from different companies that insure vehicles in Florida. Drivers can shop around by following these steps.

Step 1: Try to learn about coverages and the steps you can take to prevent rate increases. Many rating criteria that drive up the price such as accidents, traffic violations, and an imperfect credit score can be eliminated by making lifestyle changes or driving safer.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can quote prices from multiple sources.

Step 3: Compare the new rate quotes to the price on your current policy and see if you can save money. If you find better rates and buy the policy, ensure coverage does not lapse between policies.

Step 4: Provide notification to your current agent or company to cancel your current coverage. Submit a down payment along with a signed application to your new insurance company. Immediately upon receiving it, put the new proof of insurance certificate in your vehicle's glove compartment or console.

One thing to point out is to use the same liability limits and deductibles on every price quote and and to get price estimates from all possible companies. Doing this guarantees an apples-to-apples comparison and the best price quote selection.

Cheaper rates by taking advantage of discounts

Some insurers do not list their entire list of discounts very clearly, so below is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for.Cheaper insurance with discounts

  • Drive Safe and Save - Drivers who don't get into accidents may save up to 50% more compared to accident prone drivers.
  • Theft Deterrent System - Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • No Claims - Good drivers with no accidents are rewarded with significantly better rates on Jacksonville car insurance quote in comparison with insureds who have frequent claims or accidents.
  • Distant Student - Children who live away from home to go to college and won't have access to an insured vehicle could qualify for this discount.
  • Homeowners Savings - Simply owning a home can save a few bucks because owning a home requires personal responsibility.
  • Discount for Life Insurance - Insurance carriers who offer life insurance give a lower rate if you buy some life insurance too.
  • Waiver for an Accident - Not really a discount, but some companies like Progressive and Allstate will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free prior to being involved in the accident.
  • Student Driver Training - Cut your cost by having your teen driver take driver's ed class if offered at their school.
  • Sign Online - A few insurance companies give back up to $50 for buying a policy and signing up online.
  • Telematics Data Discounts - Drivers who elect to allow their company to scrutinize driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like it's possible to get free car insurance, company stockholders wouldn't be very happy.

The chart below shows the difference between Chevy Camaro insurance prices with and without discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, claim-free, homeowner, and multi-policy discounts applied.

A few popular companies and a selection of discounts are shown below.

  • State Farm offers discounts for Drive Safe & Save, good student, safe vehicle, accident-free, good driver, multiple autos, and anti-theft.
  • Esurance offers premium reductions for online shopper, Switch & Save, anti-lock brakes, online quote, Pac-12 alumni, and emergency road assistance.
  • Progressive may offer discounts for online signing, continuous coverage, homeowner, multi-vehicle, and good student.
  • Liberty Mutual policyholders can earn discounts including newly retired, safety features, good student, new move discount, and new graduate.
  • Auto-Owners Insurance has discounts for group or association, good student, teen driver, multiple vehicles, company car, multi-policy, and anti-theft.
  • GEICO discounts include military active duty, driver training, federal employee, seat belt use, and multi-vehicle.

When comparing rates, check with every company how many discounts you can get. Savings may not be available in Jacksonville. To view companies that offer discounts in Florida, follow this link.

Free Jacksonville Chevy Camaro insurance quotes

Most companies like State Farm, Allstate and GEICO allow you to get coverage price quotes direct online. Doing online quotes for Chevy Camaro insurance in Jacksonville can be done by anyone because it's just a matter of typing in the coverage amounts you desire as requested by the quote form. Once entered, the company's rating system obtains your driving and credit reports and generates a price based on many factors. Being able to quote online for Chevy Camaro insurance in Jacksonville simplifies rate comparisons, and it is imperative to have as many quotes as possible if you want to get the cheapest price on insurance.

In order to compare pricing, check out the insurance providers below. If you have coverage now, it's recommended you type in the coverage information as shown on your current policy. This ensures you are getting rate quotes for similar coverage.

The providers in the list below provide price comparisons in Florida. If multiple providers are shown, it's a good idea that you get prices from several of them to get a more complete price comparison.

Rates and other information

The data table below covers detailed analysis of insurance premium costs for Chevy Camaro models. Having a good understanding how insurance prices are figured can help customers make decisions on which coverage to buy.

Chevrolet Camaro Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $296 $516 $418 $24 $124 $1,378 $115
Camaro LT $296 $516 $418 $24 $124 $1,378 $115
Camaro SS $330 $594 $418 $24 $124 $1,490 $124
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in your specific Jacksonville location which can modify auto insurance rates substantially.

Insurance deductibles

One frequently asked question is how high should the deductibles for physical damage be. The rates below show the cost difference when you select higher and lower coverage deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.

Chevrolet Camaro insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $364 $640 $418 $24 $124 $1,595 $133
Camaro LT $364 $640 $418 $24 $124 $1,595 $133
Camaro SS $406 $736 $418 $24 $124 $1,733 $144
Get Your Own Custom Quote Go
Chevrolet Camaro insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camaro LS $296 $516 $418 $24 $124 $1,378 $115
Camaro LT $296 $516 $418 $24 $124 $1,378 $115
Camaro SS $330 $594 $418 $24 $124 $1,490 $124
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can change rates considerably.

Based on the figures above, using a $250 deductible costs roughly $19 more each month or $228 for a full year than choosing the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at least 13 months between claim filings, you would most likely save money by going with a higher deductible. The numbers below show how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $137
Average monthly premium for $500 deductibles (subtract): - $118
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important caveat is that higher deductibles means you will have to cover more of the damage yourself if you have a claim. You need to have enough extra money in the event you have to pay the deductible for vehicle repair.

Impact of violations and accidents on rates

The diagram below shows how traffic citations and accident claims can impact Chevy Camaro insurance premiums for different ages of insureds. The premium estimates are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Full coverage or liability only

The illustration below shows the comparison of Chevy Camaro insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no exact rule to stop paying for full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's assume your Chevy Camaro replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the deductible is paid. If you are paying in excess of $500 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few situations where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Exclusive versus independent auto insurance agents

A lot of people still prefer to buy from a licensed agent and that is a personal choice. The biggest benefit of comparing auto insurance online is the fact that drivers can get the best rates but also keep your business local.

Jacksonville insurance agentsBy using this short form, your coverage information is instantly submitted to agents in your area that give free quotes for your business. It makes it easy because there is no need to search for any insurance agencies because prices are sent immediately to you. You can find the lowest rates without having to waste a lot of time. If you have a need to get a price quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

Choosing the best insurer requires you to look at more than just the bottom line cost. You should also get answers to these questions.

  • Are they primarily personal or commercial lines agents in Jacksonville?
  • Does their agency support local causes in Jacksonville?
  • How long has the business existed?
  • What is the financial rating for the quoted company?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Can they help ensure a fair claim settlement?
  • Do the agents have professional certifications like CPCU or CIC?

The type of car insurance agent you choose is important

If you're trying to find a local Jacksonville insurance agent, it helps to know the two different types of agencies that you can select. Auto insurance agents in Jacksonville are either exclusive or independent.

Exclusive Insurance Agencies

Agents in the exclusive channel can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot place coverage with different providers so they have no alternatives for high prices. Exclusive insurance agents are well trained on sales techniques which helps them sell on service rather than price.

Below is a list of exclusive agencies in Jacksonville that can give you price quotes.

13947 Beach Blvd #206 - Jacksonville, FL 32224 - (904) 992-0002 - View Map

11362 San Jose Blvd #19 - Jacksonville, FL 32223 - (904) 880-9060 - View Map

11555 Central Pkwy #904 - Jacksonville, FL 32224 - (904) 642-4000 - View Map

View more agents

Independent Auto Insurance Agencies

These type of agents can quote rates with many companies and that allows them to write policies through many companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, the agent simply finds a different carrier and the insured can keep the same agent. When comparing rate quotes, you should always compare quotes from independent agents to get the best comparison.

Below is a short list of independent agencies in Jacksonville who can help you get rate quotes.

1851 University Blvd S - Jacksonville, FL 32216 - (888) 812-2985 - View Map

5600 New Kings Rd #4 - Jacksonville, FL 32209 - (904) 770-4456 - View Map

9119 Merrill Rd #8 - Jacksonville, FL 32225 - (904) 743-6661 - View Map

View more agents

Once you have reasonable responses to any questions you may have and an acceptable price quote, most likely you have located an auto insurance agent that will provide auto insurance coverage. But remember, you can terminate coverage when you choose so don't feel that you're stuck with a policy with no way out.

Find cheaper rates by being thorough

We've covered some good ideas how to shop for Chevy Camaro insurance online. It's most important to understand that the more rate quotes you have, the better chance you'll have of finding cheaper Jacksonville car insurance quotes. You may even discover the biggest savings come from a smaller regional carrier. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.

Budget-friendly insurance in Jacksonville is attainable online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don't offer the ability to get quotes online and these small insurance companies work with independent insurance agencies.

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