Searching for cheaper Chevy Sonic insurance in Jacksonville? Finding better insurance prices for a new or used Chevy Sonic in Florida can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for insurance and we’ll show you the best way to get price quotes for a Chevy and locate the lowest possible price either online or from Jacksonville insurance agents.
If you have insurance now or just want cheaper coverage, you can use these tips to cut your premiums while maximizing coverage. Locating the lowest cost car insurance coverage in Jacksonville can be fairly easy. Smart buyers just have to use how to compare company rates online.
The car insurance companies shown below are our best choices to provide quotes in Jacksonville, FL. If multiple companies are shown, we recommend you visit two to three different companies to get the best price comparison.
Earn discounts to get lower-cost Jacksonville insurance rates
Car insurance is not cheap, but there are discounts available that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but a few need to be specially asked for before you get the savings. If you do not check that you are getting every discount you deserve, you could be saving more on your insurance.
- Multiple Cars – Drivers who insure multiple cars on a single policy can get a discount for every vehicle.
- Accident Waiver – This one isn’t a discount, but a few companies such as GEICO, Progressive, and Allstate permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Senior Citizen Discount – Drivers that qualify as senior citizens may be able to get lower premium rates.
- Government Employees – Active or former government employment could cut as much as 10% off with select insurance companies.
- Active Military Service – Being on active deployment in the military could be rewarded with lower insurance rates.
One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
If you would like to see a list of companies that offer the discounts shown above in Jacksonville, follow this link.
Smart Buyers Save More
Many different elements are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving history, but some are not as apparent like your vehicle usage and annual miles driven.
Shown below are some of the factors that factor into premiums.
Consolidate policies and save – Many insurance companies will give lower prices to people that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount drivers will still want to compare other Jacksonville Sonic insurance rates to verify if the discount is saving money.
If you don’t need it don’t buy it – Insurance companies have many additional coverages that may not really be needed if you aren’t diligent. Coverage for things like roadside assistance, better glass coverage, and membership fees may be costing you every month. These may sound like a good investment initially, but now you might not need them so think about removing them and cutting costs.
Younger drivers are expensive to insure – Beginning drivers in Florida are statistically shown to be careless and easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Adding a young driver onto your car insurance can increase premiums substantially. More mature drivers tend to be more responsible, tend to file fewer claims, and receive fewer citations.
Job reflects on rates – Do you work in a high-stress field? Occupations such as real estate brokers, air traffic controllers, and emergency personnel have higher rates than the rest of us in part from high stress and lots of time spent at work. On the other hand, careers like farmers, athletes and performers have the lowest average rates.
Premiums are impacted by vehicle performance – The type of car, truck or SUV you need insurance for makes a substantial difference in your car insurance bill. Low performance passenger models receive the most favorable rates, but the final cost of insurance is determined by many other factors.
City traffic equals higher prices – Residing in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. People who live in big cities regularly have traffic congestion and much longer commute distances. Less people translates into fewer accidents.
You might want pay the inexpensive policy claims yourself – Companies in Florida generally give discounts to policyholders who are claim-free. If you file a lot of claims you can look forward to higher rates. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
Insurance loss data for a Chevy Sonic – Insurers use data from past claims to calculate a price that will offset any claims. Vehicles that historically have higher claim frequency or loss amount will be charged more to insure.
The information below illustrates the historical loss data for Chevy Sonic vehicles. For each policy coverage type, the claim amount for all vehicles, as an average, equals 100. Numbers below 100 imply a favorable loss record, while percentage numbers above 100 indicate higher probability of having a loss or a tendency for claims to be larger.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Sonic | 104 | 132 | 91 | 167 | 189 | 159 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance agents are professional risk managers
Many people still like to sit down with an agent and that is a smart decision Professional agents will help you protect your assets and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, your information is instantly submitted to local insurance agents who will return price quotes for your car insurance coverage. You won’t need to contact an agency since price quotes are sent to you directly. If you need to compare prices from a specific company, feel free to search and find their rate quote page to submit a rate quote request.
Finding the right insurance company shouldn’t rely on just the quoted price. Before buying a policy in Jacksonville, get answers to these questions.
- Do they make recommendations based only on price?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Which insurance companies are they affiliated with?
- Can they give you a list of client referrals?
- How much experience to they have in personal lines coverages?
- What is their Better Business Bureau rating?
Multiple types of auto insurance agents in Jacksonville
When finding a local agent, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Car insurance agents in Jacksonville can either be exclusive or independent. Either type can sell and service car insurance coverage, but it’s important to point out why they differ since it could factor into the type of agent you choose.
Exclusive Agencies
Agents in the exclusive channel are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Many people choose to use a exclusive agent partially due to the brand and the convenience of having all coverages with one company.
The following is a list of exclusive agents in Jacksonville that are able to give comparison quotes.
- Jim Love – State Farm Insurance Agent
2730 College St – Jacksonville, FL 32205 – (904) 384-5000 – View Map - David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 – View Map - Jim Haskins – State Farm Insurance Agent
6983 103rd St #2 – Jacksonville, FL 32210 – (904) 777-4577 – View Map
Independent Agents (or Brokers)
Agents in the independent channel can quote rates with many companies so they can insure your vehicles with an assortment of companies and find you cheaper rates. To move your coverage to a new company, they can switch companies in-house and the insured can keep the same agent. When comparing car insurance rates, you should always get rate quotes from a few independent agents for maximum quote selection. They also have the ability to place coverage with companies you’ve never heard of which can be an advantage.
The following is a short list of independent agencies in Jacksonville willing to provide comparison quotes.
- Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 – View Map - Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map - Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map
Which is the best car insurance?
Always remember that when buying a policy, there isn’t really a one-size-fits-all type of policy. Everyone’s needs are different and a cookie cutter policy won’t apply.
For example, these questions may help you determine whether you could use an agent’s help.
- Should I buy only the required Florida minimum liability coverage?
- Should I waive the damage coverage when renting a car?
- Does every company file a SR-22 automatically?
- Should I get collision insurance on every vehicle?
- Does my medical payments coverage pay my health insurance deductible?
- Is my custom paint covered by insurance?
- What is GAP insurance?
- Should I pay a claim out-of-pocket?
- What if I owe more than I can insure my car for?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Cheaper coverage is out there
When you buy Jacksonville car insurance online, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped physical damage coverage and learned later that the small savings ended up costing them much more. Your goal is to find the BEST coverage at a price you can afford.
Some companies do not offer rates over the internet and most of the time these small insurance companies only sell coverage through independent agents. Cheaper auto insurance in Jacksonville can be purchased on the web in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.
Steps to finding lower priced Chevy Sonic insurance in Jacksonville
If your goal is the lowest price, then the best way to save money on Chevy Sonic insurance in Jacksonville is to start comparing prices regularly from providers in Florida. You can compare prices by following these steps.
First, try to learn about what is in your policy and the measures you can control to keep rates low. Many factors that result in higher rates like your driving record and a bad credit rating can be rectified by making minor changes in your lifestyle.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agencies can quote rates from many different companies. Click to view companies
Third, compare the quotes to your existing policy and determine if cheaper Sonic coverage is available in Jacksonville. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
The key aspect of shopping around is to make sure you’re comparing identical coverages on every quote request and and to get prices from as many different companies as possible. This enables a fair price comparison and maximum price selection.
Additional auto insurance information is located below:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Affordable Jacksonville Car Insurance for Drivers Over Age 50? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a GMC Sierra in Jacksonville? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- All About Airbag Safety (State Farm)
- Drunk Driving Statistics (Insurance Information Institute)