Do you want to learn how to find more affordable insurance rates in Jacksonville, FL? Jacksonville buyers have lots of choices when searching for the lowest priced Chevy Bolt insurance. You can either waste hours calling around getting price quotes or save time using the internet to get rate quotes. There is a better way to compare insurance rates so we’re going to tell you the proper way to quote coverages for a Chevy and locate the cheapest rates from Jacksonville insurance agents and online providers.
The following companies are our best choices to provide quotes in Florida. If several companies are displayed, we suggest you visit two to three different companies to find the cheapest car insurance rates.
Discounts mean cheaper rates for Chevy Bolt insurance in Jacksonville
The cost of insuring your cars can be expensive, but there could be significant discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be specifically requested in order for you to get them.
- Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out life insurance.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
- No Charge for an Accident – This isn’t a discount exactly, but companies like Allstate and GEICO will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
- Discount for Home Ownership – Just being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
- Good Students Pay Less – Excelling in school can get you a discount of up to 25%. The good student discount can last up to age 25.
- Save over 55 – If you qualify as a senior citizen, you could receive a slight reduction on a Jacksonville auto insurance quote.
- Military Deployment Discount – Being on active duty in the military could qualify you for better rates.
- No Accidents – Drivers who don’t have accidents pay much less compared to insureds who have frequent claims or accidents.
- Multiple Vehicles – Having several vehicles with one company may reduce the rate for each vehicle.
- Driver’s Education for Students – Teen drivers should successfully take a driver’s education course in school or through a local driver safety program.
Remember that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.
Auto insurance companies that may offer policyholders these discounts possibly include:
If you are trying to find low cost Jacksonville auto insurance quotes, ask all the companies to apply every possible discount. Discounts may not be available in Jacksonville. If you would like to choose from a list of companies that can offer you the previously mentioned discounts in Florida, click here to view.
Why insurance is not optional
Even though it can be expensive, paying for insurance is required in Florida but it also protects you in many ways.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to get the vehicle licensed. 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 have a lien on your Chevy, it’s guaranteed your bank will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Chevy at a more expensive rate and force you to reimburse them the higher premium.
- Insurance safeguards not only your vehicle but also your financial assets. It will also cover medical bills for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $855 a year so smart consumers compare quotes at every renewal to be sure current rates are still competitive.
Car insurance quotes from neighborhood Jacksonville auto insurance agents
A lot of people still prefer to go talk to an agent and doing that can be a smart decision Insurance agents are highly skilled in risk management and help file insurance claims. An additional benefit of price shopping on the web is you can get cheaper auto insurance rates but also keep your business local.
To make it easy to find an agent, after completing this short form, the quote information is transmitted to insurance agents in Jacksonville that can give you free Jacksonville auto insurance quotes to get your business. There is no reason to contact any insurance agencies since price quotes are sent instantly to you. In the event you want to get a price quote from a specific company, you can always go to their quote page and complete a quote there.
Deciding on an provider requires you to look at more than just a cheap price quote. A good agent in Jacksonville will have answers to these questions.
- Do they carry Errors and Omissions coverage?
- How are claims handled?
- Do they get paid more for recommending certain coverages?
- Do you qualify for any additional discounts?
- Is every driver in your family covered?
- Do the coverages you’re quoting properly cover your vehicle?
- Is the agent CPCU or CIC certified?
- How much experience to they have in personal lines coverages?
If you prefer to buy car insurance from local Jacksonville agents, there are two different agency structures and how they are slightly different. Agents are considered either independent (non-exclusive) or exclusive. Both types of agents can write policy coverage, but it’s important to point out why they differ because it may have an impact on which agent you choose.
These agents can only quote rates from one company like State Farm, AAA, and Liberty Mutual. These agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agents are trained well on their company’s products which helps them sell on service rather than price. Some people will only choose to use a exclusive agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Listed below are Jacksonville exclusive agents willing to provide price quote information.
- GEICO Insurance Agent
1003 Atlantic Blvd – Jacksonville, FL 32233 – (904) 246-8650 – View Map
- Bill Pool – State Farm Insurance Agent
7025 Normandy Blvd – Jacksonville, FL 32205 – (904) 781-3800 – View Map
- Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not restricted to one company so they have the ability to put coverage through many different car insurance companies and get you the best rates possible. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, we recommend you get insurance quotes from a couple of independent agencies so that you can do a thorough price comparison. Most also have access to mutual insurance companies which could offer lower prices.
The following is a short list of independent insurance agencies in Jacksonville who can help you get price quotes.
- Giella Insurance Agency
7855 Argyle Forest Blvd #502 – Jacksonville, FL 32244 – (904) 783-3388 – View Map
- The Maverick Insurance Agency
9119 Merrill Rd #8 – Jacksonville, FL 32225 – (904) 743-6661 – View Map
- Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map
Learn about insurance coverages for a Chevy Bolt
Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Bolt.
Due to the fact that many Florida drivers only purchase the least amount of liability that is required (which is 10/20/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Comprehensive auto coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from a tornado or hurricane, falling objects, theft and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability – Liability insurance can cover damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 10/20/10 which means $10,000 bodily injury coverage, a limit of $20,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage pays for claims such as medical expenses, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Florida requires minimum liability limits of 10/20/10 but drivers should carry better liability coverage.
The illustration below shows why minimum state limits may not provide you with enough coverage.
Collision coverage – This will pay to fix damage to your Bolt caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like rolling your car, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible on your Bolt to bring the cost down.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, doctor visits, rehabilitation expenses, chiropractic care and dental work. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible