Cheap Insurance for a GMC Sierra in Jacksonville

The best way to find affordable car insurance rates in Jacksonville is to start comparing rates regularly from different companies in Florida. Prices can be compared by following these guidelines.

First, it will benefit you to learn about how car insurance works and the changes you can make to keep rates down. Many rating criteria that result in higher prices like traffic citations, accidents, and poor credit can be improved by making minor changes in your lifestyle.

Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from many different companies.

Third, compare the new rates to your existing policy and see if you can save money. If you can save money and switch companies, make sure coverage is continuous and does not lapse.

A tip to remember is to try to use similar limits and deductibles on every price quote and and to get quotes from as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and a complete price analysis.

It’s an obvious assumption that auto insurance companies don’t want customers comparing rates. People who shop rates annually are likely to move their business because of the good chance of getting low-cost coverage. Remarkably, a study showed that consumers who regularly compared rates saved $865 annually as compared to drivers who don’t make a habit of comparing rates.

If finding the most affordable insurance is your intention, understanding how to shop and compare coverages can help make the process easier and more efficient.

If you have a policy now or just want to reduce your rates, you will benefit by learning to get lower rates and still get good coverage. Buying affordable insurance in Jacksonville can be easy if you know a few tricks. Drivers just need to learn the best way to find the lowest price from multiple carriers.

Discount Jacksonville car insurance rates

Some companies don’t always publicize all discounts very clearly, so the following is a list of some of the best known as well as some of the hidden discounts that you may qualify for. If you don’t get every credit you qualify for, you may be paying too high a price.

• Own a Home and Save – Being a homeowner can save you money because owning a home demonstrates responsibility.
• Sign Online – Many car insurance companies will give a small break just for signing your application on your computer.
• Auto/Life Discount – If the company offers life insurance, you could get a discounted car insurance rate on car insurance if you buy some life insurance in addition to your auto policy.
• Data Collection Discounts – Jacksonville drivers who agree to allow their car insurance company to spy on driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
• Military Deployment Discount – Being deployed in the military may lower your prices slightly.

One last thing about discounts, many deductions do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will definitely reduce your policy cost.

The example below illustrates the difference between GMC Sierra insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, multi-policy, claim-free, and safe-driver discounts applied.

Popular car insurance companies and their possible discounts are detailed below.

• Progressive has savings for online signing, online quote discount, multi-vehicle, homeowner, good student, and continuous coverage.
• SAFECO offers discounts including accident prevention training, teen safety rewards, homeowner, multi-car, and anti-theft.
• American Family may offer discounts for good student, TimeAway discount, mySafetyValet, early bird, and bundled insurance.
• MetLife has discounts for claim-free, good student, defensive driver, good driver, and accident-free.
• GEICO may include discounts for multi-policy, military active duty, multi-vehicle, seat belt use, emergency military deployment, membership and employees, and anti-lock brakes.
• The Hartford includes discounts for defensive driver, anti-theft, good student, vehicle fuel type, driver training, and air bag.

If you need the cheapest GMC Sierra rate quotes, ask every insurance company which credits you are entitled to. All car insurance discounts may not apply to policies in your area. If you would like to see a list of insurers who offer cheap GMC Sierra insurance quotes in Florida, click here.

The easiest way to compare rates for GMC Sierra insurance in Jacksonville is to take advantage of the fact car insurance companies will pay a fee to provide you with free rate quotes. To get started, all you need to do is provide a little information including daily mileage, if your license is active, if you require a SR-22, and an estimate of your credit level. Your insurance information is automatically sent to multiple different insurance companies and they return cost estimate almost instantly.

To compare rates for your GMC Sierra now, click here and see if a lower rate is available in Jacksonville.

The following companies provide comparison quotes in Jacksonville, FL. If the list has multiple companies, it’s a good idea that you get price quotes from several of them in order to find the most affordable rates.

GMC Sierra insurance rate analysis

The coverage information shown below highlights different coverage prices for GMC Sierra models. Learning more about how prices are formulated can be valuable when making decisions when shopping around.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific garaging location which can alter premium rates substantially.

Where to set your deductibles

When shopping for car insurance, a common question is how low should you set your deductibles. The tables below can help show the rate difference when you choose different physical damage deductibles. The first rate estimation uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in Jacksonville location which can impact coverage rates considerably.

Based on this data, using a $100 deductible costs about $32 more each month or $384 for a full year than selecting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 13 months between claims, you would come out ahead by selecting a higher deductible.

Full coverage versus liability only rates

The illustration below illustrates the comparison of GMC Sierra car insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no claims or violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no specific rule to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your GMC Sierra claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying your policy deductible. If it’s costing you more than $400 annually to have full coverage, then you may want to consider only buying liability coverage.

There are a few situations where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.

Get Cheaper Insurance Rates by Understanding These Factors

Lots of factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although others are less apparent like where you live or your financial responsibility. It’s important that you understand the rating factors that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that could result in big savings.

• Car insurance rates and your occupation – Did you know that where you work can have an impact on rates? Jobs such as lawyers, executives, and stock brokers tend to pay higher premium rates in part from high stress and extremely grueling work hours. On the flip side, jobs like farmers, athletes and retirees have lower than average premiums.
• Married drivers pay less – Having a spouse may earn you lower rates when shopping for car insurance. Having a significant other demonstrates that you tend to be more financially stable and it’s proven that married couples file fewer claims.

• Better drivers pay less – Careful drivers tend to pay less for car insurance as compared to careless drivers. Having a single speeding ticket may increase your cost to the point where it’s not affordable. Drivers who have received dangerous citations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility with their state in order to prevent a license revocation.

  The diagram below illustrates how violations and at-fault collisions increase GMC Sierra premium costs for each different age category. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

• Eliminate unneeded extra policy coverages – There are a lot of additional coverages that sound like a good idea at the time if you aren’t careful. Things like coverage for rental cars, high-cost glass coverage, and additional equipment coverage could be just wasting money. You may think they are a good idea when you first buy your policy, but now you might not need them so consider taking them off your policy.
• Location can influence price – Residing in less populated areas may provide you with better prices if you are looking for the lowest rates. City drivers regularly have more road rage incidents and higher rates of accident claims. Lower population corresponds to lower accident rates and lower theft and vandalism rates.
• Cut prices and deter theft – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
• Use but don’t abuse your insurance – If you’re an insured who likes to file claims you should expect increased rates or even have your policy non-renewed. Auto insurance companies in Florida provide the best rates to drivers who are claim-free. Your car insurance is designed for more catastrophic claims.

• Insurance losses for a GMC Sierra – Insurance companies factor in historical loss data when setting premium prices. Vehicles that are shown to have higher number or severity of losses will cost more for coverage. The table below outlines the loss history for GMC Sierra vehicles.

  For each insurance policy coverage type, the loss probability for all vehicles compiled together equals 100. Percentage values below 100 suggest losses that are better than average, while percentage numbers above 100 indicate a higher chance of having a claim or larger claims.

  
  

  GMC Sierra Insurance Loss Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  GMC Sierra 1500 2WD	89	122	106
  GMC Sierra 1500 4WD	97	86	79
  GMC Sierra 1500 Crew Cab 2WD	87	99	132	69	69	89
  GMC Sierra 1500 Crew Cab 4WD	89	102	114	52	51	73
  GMC Sierra 1500 Ext Cab 2WD	98	109	96	70
  GMC Sierra 1500 Ext Cab 4WD	78	85	89	65	56	94
  GMC Sierra 2500 4WD	70		56
  GMC Sierra 2500 Crew Cab 2WD	63		101
  GMC Sierra 2500 Crew Cab 4WD	91	118	105	43	50	90
  GMC Sierra 2500 Ext Cab 4WD	67	108	85	40
  GMC Sierra 3500 Crew Cab 4WD	85	128	121	35

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions may help you determine if your insurance needs might need professional guidance.

• Will my GMC Sierra be repaired with OEM or aftermarket parts?
• Can I get a multi-policy discount?
• Should I put collision coverage on all my vehicles?
• Is my teenager covered with friends in the car?
• How much liability insurance is required?
• Do I have any recourse if my insurance company denies a claim?
• Which is better, split liability limits or combined limits?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

What if I want to buy from local Jacksonville insurance agents?

Certain consumers would prefer to visit with an insurance agent and that can be a smart move Insurance agents can answer important questions and give you someone to call. A nice benefit of comparing rates online is that drivers can save money and get cheap rate quotes and still have a local agent.

After completing this simple form, your insurance coverage information is submitted to local insurance agents who will return price quotes for your coverage. It’s much easier because you don’t need to even leave your home because prices are sent to you directly. If you want to get a comparison quote from a specific company, you can always search and find their rate quote page to submit a rate quote request.

Choosing a insurer should include more criteria than just the quoted price. Agents should be asked these questions:

• Can glass claims be handled at your home?
• Can you contact them at any time?
• Can they help ensure a fair claim settlement?
• Do they review policy coverages at every renewal?
• Do the companies they represent have a solid financial rating?
• Do they offer accident forgiveness?

Shown below is a short list of auto insurance companies in Jacksonville who can help you get price quotes for GMC Sierra insurance in Jacksonville.

View more agents

After receiving good responses to these questions as well as offering an affordable quote, you have narrowed it down to an insurance company that is professional and can adequately provide car insurance.

Why do I need car insurance?

Despite the fact that insurance is not cheap in Jacksonville, insurance is required in Florida but also provides important benefits.

• Almost all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability coverage in order to drive the car legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you took out a loan on your GMC Sierra, almost all lenders will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If you default on your policy, the lender may insure your GMC for a much higher rate and require you to pay for the much more expensive policy.
• Insurance preserves both your assets and your GMC Sierra. It will also reimburse you for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $869 every year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

More comparisons equals affordable rates

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, denial of a claim, policy non-renewal and high prices. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Cheaper insurance in Jacksonville is definitely available online as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not offer online quoting and these small insurance companies prefer to sell through independent agents.

We just presented many tips how you can lower your GMC Sierra insurance premium rates in Jacksonville. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable GMC Sierra insurance quotes. You may even find the lowest priced insurance comes from a lesser-known regional company.

More tips and info about insurance can be read by following these links:

• Parking Tips to Reduce Door Dings (State Farm)
• How Much are Car Insurance Quotes for a School Permit in Jacksonville? (FAQ)
• How Much is Auto Insurance for First-time Drivers in Jacksonville? (FAQ)
• Who Has Cheap Jacksonville Auto Insurance for Lyft Drivers? (FAQ)
• Medical Payments Coverage (Liberty Mutual)
• A Tree Fell on Your Car: Now What? (Allstate)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Tread Depth and Tire Safety (State Farm)