Really, the only way to find more affordable Chevy Trax insurance in Jacksonville is to begin comparing prices regularly from companies that insure vehicles in Florida. Rate comparisons can be done by completing these steps.
- Take a little time to learn about auto insurance and the changes you can make to drop your rates. Many rating factors that increase rates like multiple speeding tickets and a less-than-favorable credit rating can be amended by making minor changes to your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of insurance providers. View a list of agents
- Compare the new rate quotes to your existing policy to see if a cheaper rate is available in Jacksonville. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
A good tip to remember is to compare identical coverage information on every quote request and and to look at all possible companies. Doing this ensures an accurate price comparison and a complete selection of prices.
Shockingly, most insurance policyholders kept their coverage with the same insurance company for at least four years, and practically 40% of insurance customers have never shopped around. With the average premium in Florida being $2,160, drivers could save 55% every year, but most undervalue the actual amount they would save if they switched.
Locating the most cost-effective insurance policy in Jacksonville is much easier if you have a good place to start. Nearly every person who is required to buy insurance will more than likely find better rates. Nevertheless, Florida car owners do need to learn the way insurance companies market on the web and use it to find better rates.
Chevy Trax insurance quotes comparison
It’s important to know that comparing more quotes helps you find a lower rate. Some regional insurers cannot provide online rate quotes, so it’s recommended that you also compare rates from those companies as well.
The companies shown below have been selected to offer comparison quotes in Florida. If several companies are displayed, we recommend you get rate quotes from several of them in order to find the most affordable rates.
Discounts for lower-cost car insurance rates
Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not know about. Many discounts should be triggered when you get a quote, but a few must be specifically requested before being credited.
- Early Switch Discount – A few companies offer discounts for switching companies prior to your current Trax insurance policy expiring. You could save around 10% when you buy Jacksonville auto insurance online.
- Resident Student – Older children living away from Jacksonville attending college and don’t have a car can receive lower rates.
- Memberships – Participating in a civic or occupational organization in Jacksonville could earn you a nice discount on car insurance.
- Discount for Passive Restraints – Factory air bags may earn rate discounts of 20 to 30 percent.
- Military Rewards – Being on active deployment in the military could mean lower premium rates.
Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.
A few of the larger companies and their offered discounts are included below.
- Progressive policyholders can earn discounts including multi-vehicle, homeowner, multi-policy, continuous coverage, and online quote discount.
- Farmers Insurance offers discounts including alternative fuel, good student, electronic funds transfer, bundle discounts, early shopping, teen driver, and distant student.
- Farm Bureau has savings for 55 and retired, multi-policy, renewal discount, good student, youthful driver, and multi-vehicle.
- State Farm may include discounts for accident-free, multiple policy, good student, safe vehicle, Drive Safe & Save, multiple autos, and driver’s education.
- GEICO offers premium reductions for anti-theft, military active duty, five-year accident-free, multi-vehicle, driver training, and daytime running lights.
- SAFECO offers discounts for teen safety rewards, bundle discounts, drive less, anti-theft, and multi-car.
- Liberty Mutual includes discounts for new graduate, multi-policy, exclusive group savings, newly married, preferred payment discount, new move discount, and hybrid vehicle.
When getting free Jacksonville auto insurance quotes, it’s a good idea to each insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered everywhere. To choose insurers with significant discounts in Jacksonville, click here.
What Impacts Chevy Trax Insurance Costs?
The best way to find cheaper car insurance is to take a look at the different types of things that come into play when calculating your premiums. If you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower rates. Lots of things are used when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other factors are less obvious like your continuous coverage or how safe your car is.
The list below includes some of the major factors used by companies to determine your rates.
More miles driven equals more premium – The more you drive your Chevy annually the more you will pay for car insurance. A lot of insurance companies calculate rates based on how the vehicle is used. Cars that have low annual miles receive lower rates than vehicles that are driven to work every day. A policy that improperly rates your Trax can result in significantly higher rates. Verify your policy states how each vehicle is driven.
Optional features that lower car insurance rates – Choosing to buy a car that has an advanced theft prevention system can save you a little every year. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
High comp and collision deductibles equal low rates – Physical damage coverage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Examples of some claims that would be covered are colliding with a building, damage caused by hail, and damage from a fallen tree branch. The deductibles represent how much money you are required to pay before your car insurance pays a claim. The more money you have to pay, the better rate you will receive.
Never let your car insurance expire – Driving any period of time without insurance is illegal and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license. You will then be forced to prove you have insurance by filing a SR-22 with the Florida motor vehicle department to get your license reinstated.
Bundle home and auto and save – Most insurance companies apply a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to compare other Jacksonville Trax insurance rates to guarantee you are still saving the most.
Does insurance coverage cost more for men? – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. They both cause fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. They also receive more major tickets such as reckless driving. Male drivers age 16 to 19 have the highest risk to insure so they pay the highest premiums.
Safer cars cost less to insure – Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles reduce the chance of injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Insurance losses for a Chevy Trax – Insurers factor in historical loss data to determine a price that will be profitable for them. Vehicles that are shown to have a higher amount or frequency of claims will have higher rates. The next table shows the historical loss data for Chevy Trax vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, is considered to be 100. Percentage numbers below 100 are indicative of better than average losses, while numbers above 100 point to more claims or tendency to have larger claims.
|Specific Chevrolet Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Trax 4dr 2WD||79|
|Chevrolet Trax 4dr 4WD||81|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years