Chevy Colorado Insurance Quotes in Jacksonville

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Insurance rates Chevy Colorado in JacksonvilleWe don't have to tell you that insurance companies don't want policyholders to compare prices from other companies. People who shop around once a year are inclined to buy a different policy because they have good chances of finding a more affordable policy premium. A recent survey discovered that drivers who shopped around every year saved about $3,450 over four years compared to those who never shopped around.

If finding the cheapest rates on car insurance in Jacksonville is your objective, then knowing how to get free comparison quotes and analyze insurance coverage can save money and time.

If saving money is your primary concern, then the best way to get budget auto insurance rates is to do a yearly price comparison from insurers in Jacksonville. Drivers can shop around by following these guidelines.

  1. Spend some time learning about individual coverages and the things you can change to keep rates low. Many policy risk factors that increase rates such as tickets, at-fault accidents, and a substandard credit score can be eliminated by making lifestyle changes or driving safer. Keep reading for more details to get better rates and get additional discounts.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while independent agents can provide prices from multiple insurance companies.
  3. Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.

A good tip to remember is to try to compare similar coverage information on each price quote and and to look at as many auto insurance providers as possible. This provides a fair rate comparison and maximum price selection.

Comparing quotes for the best insurance coverage in Jacksonville is not as confusing as people think. In essence, anyone who carries insurance will probably find a lower-cost policy. Although Florida drivers must learn the way companies set your policy premium because it varies considerably.

Car insurance discounts are available to get cheap rates

Buying car insurance is not cheap, but companies offer discounts that you may not know about. Some of these discounts will be visible when you complete an application, but a few must be requested specifically before you will receive the discount.Discount car insurance

  • Distant Student Discount - Kids who are enrolled in higher education away from home and do not have a car could get you a discount.
  • Discounts for Cautious Drivers - Drivers who avoid accidents may save up to 50% more as compared to drivers with claims.
  • Jacksonville Homeowners Pay Less - Simply owning a home can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • New Car Discount - Insuring a new Colorado can save up to 30% since newer vehicles have better safety ratings.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • ABS Braking Discount - Cars that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Payment Method - By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • Defensive Driver Discounts - Taking time to complete a class that teaches defensive driver techniques could cut 5% off your bill depending on where you live.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that you can get free auto insurance, it just doesn't work that way.

The illustration below shows the difference between Chevy Colorado insurance rates with and without discounts. The rate quotes are based on a male driver, a clean driving record, no claims, 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 marriage, homeowner, claim-free, multi-car, multi-policy, and safe-driver discounts applied.

To view providers that offer many of these discounts in Florida, click here.

The are a couple different ways to compare prices from all the different companies. The recommended way to do a complete rate comparison involves getting comparison quotes online.

Getting rate quotes online is very simple and it replaces the need to waste gas driving to each insurance agency near you. Comparing Chevy Colorado insurance rate quotes online makes this unnecessary unless you have a need for the professional guidance of a licensed agent. Some companies do allow you to get prices online but buy from a local insurance agent.

Just remember that getting more free quotes helps increase your odds of locating a lower rate. Not every company allows you to get price estimates online, so you also need to get price estimates from the smaller companies as well.

The providers in the list below are our best choices to provide price quotes in Jacksonville, FL. If multiple companies are listed, it's highly recommended you compare several of them to get the most competitive price.

Chevy Colorado insurance coverage information

The coverage table shown below showcases different insurance costs for Chevy Colorado models. Having a better idea how policy premiums are determined is important for you to make smart choices when purchasing an auto insurance policy.

Chevrolet Colorado Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $128 $290 $472 $28 $142 $1,060 $88
Colorado LT Extended Cab 2WD $150 $352 $472 $28 $142 $1,144 $95
Colorado LT 4WD $150 $290 $400 $24 $120 $984 $82
Colorado LT Crew Cab 2WD $150 $352 $472 $28 $142 $1,144 $95
Colorado LT Extended Cab 4WD $150 $290 $400 $24 $120 $984 $82
Colorado LT Crew Cab 4WD $172 $352 $400 $24 $120 $1,068 $89
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in garaging location in Jacksonville which can impact prices noticeably.

Higher deductibles save money

When buying auto insurance, a common question is which deductibles should you choose. The data tables below may help to illustrate the differences in premium rates when you choose different policy deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Chevrolet Colorado insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $266 $532 $418 $24 $124 $1,389 $116
Colorado LT Extended Cab 2WD $312 $648 $418 $24 $124 $1,551 $129
Colorado LT 4WD $312 $532 $354 $20 $106 $1,349 $112
Colorado LT Crew Cab 2WD $312 $648 $418 $24 $124 $1,551 $129
Colorado LT Extended Cab 4WD $312 $532 $354 $20 $106 $1,349 $112
Colorado LT Crew Cab 4WD $358 $648 $354 $20 $106 $1,511 $126
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Chevrolet Colorado insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $194 $360 $418 $24 $124 $1,120 $93
Colorado LT Extended Cab 2WD $228 $438 $418 $24 $124 $1,232 $103
Colorado LT 4WD $228 $360 $354 $20 $106 $1,068 $89
Colorado LT Crew Cab 2WD $228 $438 $418 $24 $124 $1,232 $103
Colorado LT Extended Cab 4WD $228 $360 $354 $20 $106 $1,068 $89
Colorado LT Crew Cab 4WD $262 $438 $354 $20 $106 $1,180 $98
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in specific zip code location which can increase or decrease insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $25 more each month or $300 each year than quoting the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 16 months between claims, you would save money if you elect the higher deductible.

The illustration below highlights how deductible selection and can increase or decrease Chevy Colorado insurance prices for each age group. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Bad driving habits will cost you more

The illustration below highlights how traffic violations and at-fault claims can impact Chevy Colorado auto insurance costs for different age groups. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Auto insurance rates based on gender

The example below shows the difference between Chevy Colorado auto insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied.

Which policy gives me the best coverage?

When it comes to buying coverage, there is no "best" method to buy coverage. You are unique.Higher deductibles save money

These are some specific questions may help you determine if your insurance needs could use an agent's help.

  • Why are teen drivers so expensive to add on to my policy?
  • Is there a penalty for late payment?
  • How does medical payments coverage work?
  • Will damage be repaired with OEM parts?
  • Why am I required to buy high-risk coverage?
  • Is a fancy paint job covered?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Auto insurance agents can help

Some people still prefer to buy from a licensed agent and we recommend doing that One of the great benefits of comparing rates online is you may find cheaper auto insurance rates and still have a local agent. Buying from neighborhood agents is especially important in Jacksonville.

Find insurance agent in JacksonvilleTo find an agent, once you fill out this quick form, the coverage information is transmitted to participating agents in Jacksonville who want to provide quotes for your insurance coverage. It's much easier because you don't need to leave your computer since price quotes are sent instantly to you. You can find better rates without the usual hassles of price shopping. If you need to get a rate quote from a particular provider, you can always search and find their rate quote page and give them your coverage information.

What type of Jacksonville auto insurance agent is right for you?

If you would like to find a reputable insurance agent or broker, it helps to know the two different agency structures that you can choose from. Car insurance agents are classified as either exclusive or independent.

Independent Car Insurance Agents (or Brokers)

These type of agents are not limited to a single company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest car insurance rates. If premiums increase, the agent simply finds a different carrier which makes it simple for you. When comparing rates, it's recommended you get some free quotes from at least one independent agent for the best price selection.

Shown below is a small list of independent insurance agents in Jacksonville that may be able to give price quote information.

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

10695 Beach Blvd #1 - Jacksonville, FL 32246 - (904) 329-7950 - View Map

5243 Beach Blvd - Jacksonville, FL 32207 - (904) 391-1003 - View Map

More insurance agents

Exclusive Insurance Agencies

Exclusive agencies work for only one company and examples are American Family, State Farm, and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on the products they sell and that allows them to sell at a higher price point.

Shown below is a short list of exclusive agencies in Jacksonville who can help you get rate quotes.

Allstate Insurance, John Crowell Agency
9700 Philips Hwy #109 - Jacksonville, FL 32256 - (904) 538-9440 - View Map

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

3450 Dunn Ave Ste 104 - Jacksonville, FL 32218 - (904) 765-2919 - View Map

More insurance agents

Choosing an auto insurance agent requires you to look at more than just the bottom line cost. Some important questions to ask are:

  • How long have they worked with personal auto insurance coverage?
  • Do they feel the quoted coverages are adequate?
  • Will the quote change when the policy is issued?
  • Do they regularly work with personal auto policies in Jacksonville?
  • Do they get paid more for recommending certain coverages?
  • How often do they review coverages?
  • Which family members are covered?
  • Is insurance their full-time profession?

In Summary

A few companies don't offer online price quotes and usually these regional insurance providers only sell through local independent agencies. Low-cost Chevy Colorado insurance in Jacksonville can be purchased from both online companies and from local insurance agents, and you should be comparing both to have the best rate selection.

In this article, we covered some good ideas how you can save on Chevy Colorado insurance in Jacksonville. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable Chevrolet Colorado insurance quotes. Consumers may even find the best price on insurance is with the least-expected company.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are many occasions where an insured cut liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your goal should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

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