If saving the most money is your goal, then the best way to get the cheapest GMC Sierra 2500HD insurance in Jacksonville is to start doing a yearly price comparison from companies in Florida. You can compare prices by completing these steps.
- Take a little time to learn about how insurance works and the changes you can make to keep rates in check. Many policy risk factors that result in higher rates such as traffic violations and a negative credit rating can be controlled by making minor changes to your lifestyle.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide prices from many different companies. View insurance agents
- Compare the new rate quotes to your current policy premium and determine if cheaper Sierra 2500HD coverage is available. If you can save some money and make a switch, make sure there is no coverage gap between policies.
- Give proper notification to your current agent or company to cancel your current policy and submit the application along with any required down payment to your new company or agent. As soon as you receive it, store the certificate verifying coverage in your glove compartment.
One tip to remember is to try to use the same liability limits and deductibles on each quote request and and to get price estimates from all possible companies. This helps ensure an accurate price comparison and a thorough selection of prices.
We don’t have to point out that fact that insurance companies don’t want you shop around. People who rate shop once a year are very likely to switch auto insurance companies because they stand a good chance of finding a lower rate. A recent survey discovered that people who compared price quotes annually saved an average of $3,500 over four years compared to those who don’t make a habit of comparing rates.
If finding the lowest price for insurance in Jacksonville is your ultimate target, then having an understanding of how to shop for insurance coverage can make it easier to find better rates.
Shopping around for the lowest-priced policy in Jacksonville is easy to do. If you are already insured or just want cheaper rates, take advantage of these tips to shop for the lowest rates without having to cut coverage. Smart shoppers just need to learn the most efficient way to compare rate quotes from multiple carriers.
The method we recommend to compare insurance rates in your area utilizes the fact all the major auto insurance companies participate in online systems to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details such as if you went to college, the make and model of your vehicles, driver details, and whether you are single or married. Your details is instantly submitted to multiple companies and they return cost estimate instantly to find the best rate.
To find lower lower-cost GMC Sierra 2500HD insurance rates now, click here then complete the form.
The following companies can provide free rate quotes in Jacksonville, FL. If more than one company is shown, it’s highly recommended you click on several of them in order to find the most affordable rates.
Insurance coverage analysis
The coverage table displayed below highlights estimates of insurance coverage prices for GMC Sierra 2500HD models. Being able to understand how car insurance premiums are determined can aid in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $316 | $650 | $400 | $24 | $120 | $1,510 | $126 |
| Sierra 2500HD SLE Regular Cab 2WD | $316 | $650 | $452 | $26 | $136 | $1,580 | $132 |
| Sierra 2500HD SLE Crew Cab 4WD | $316 | $650 | $400 | $24 | $120 | $1,510 | $126 |
| Sierra 2500HD SLE Extended Cab 4WD | $316 | $650 | $400 | $24 | $120 | $1,510 | $126 |
| Sierra 2500HD SLE Crew Cab 2WD | $316 | $748 | $452 | $26 | $136 | $1,678 | $140 |
| Sierra 2500HD SLE Extended Cab 2WD | $316 | $748 | $452 | $26 | $136 | $1,678 | $140 |
| Sierra 2500HD SLT Crew Cab 4WD | $316 | $748 | $400 | $24 | $120 | $1,608 | $134 |
| Sierra 2500HD SLT Extended Cab 4WD | $316 | $748 | $400 | $24 | $120 | $1,608 | $134 |
| Sierra 2500HD SLT Extended Cab 2WD | $316 | $748 | $452 | $26 | $136 | $1,678 | $140 |
| Sierra 2500HD SLT Crew Cab 2WD | $352 | $748 | $452 | $26 | $136 | $1,714 | $143 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in zip code location which can affect auto insurance rates significantly.
Rate comparison for different deductibles
A question often asked by Jacksonville drivers is which deductibles should you choose. The comparisons below may help to conceptualize the price difference between high and low policy deductibles. The first rate quote example uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Sierra 2500HD SLE Regular Cab 2WD | $406 | $764 | $472 | $28 | $142 | $1,837 | $153 |
| Sierra 2500HD SLE Crew Cab 4WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Sierra 2500HD SLE Extended Cab 4WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Sierra 2500HD SLE Crew Cab 2WD | $406 | $880 | $472 | $28 | $142 | $1,953 | $163 |
| Sierra 2500HD SLE Extended Cab 2WD | $406 | $880 | $472 | $28 | $142 | $1,953 | $163 |
| Sierra 2500HD SLT Crew Cab 4WD | $406 | $880 | $418 | $24 | $124 | $1,877 | $156 |
| Sierra 2500HD SLT Extended Cab 4WD | $406 | $880 | $418 | $24 | $124 | $1,877 | $156 |
| Sierra 2500HD SLT Extended Cab 2WD | $406 | $880 | $472 | $28 | $142 | $1,953 | $163 |
| Sierra 2500HD SLT Crew Cab 2WD | $452 | $880 | $472 | $28 | $142 | $1,999 | $167 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Sierra 2500HD SLE Regular Cab 2WD | $224 | $402 | $472 | $28 | $142 | $1,268 | $106 |
| Sierra 2500HD SLE Crew Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Sierra 2500HD SLE Extended Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Sierra 2500HD SLE Crew Cab 2WD | $224 | $464 | $472 | $28 | $142 | $1,330 | $111 |
| Sierra 2500HD SLE Extended Cab 2WD | $224 | $464 | $472 | $28 | $142 | $1,330 | $111 |
| Sierra 2500HD SLT Crew Cab 4WD | $224 | $464 | $418 | $24 | $124 | $1,254 | $105 |
| Sierra 2500HD SLT Extended Cab 4WD | $224 | $464 | $418 | $24 | $124 | $1,254 | $105 |
| Sierra 2500HD SLT Extended Cab 2WD | $224 | $464 | $472 | $28 | $142 | $1,330 | $111 |
| Sierra 2500HD SLT Crew Cab 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Information does not factor in specific location information which can lower or raise coverage prices substantially.
Based on these figures, using a $100 deductible costs about $50 more each month or $600 a year across all GMC Sierra 2500HD models than opting for the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 18 months between claims, you would more than likely save some money if you elect the higher deductible.
The information below illustrates how choosing a deductible and can raise or lower GMC Sierra 2500HD yearly insurance costs for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
GMC Sierra 2500HD liability-only versus full coverage
The diagram below compares GMC Sierra 2500HD yearly insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no exact formula to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your GMC Sierra 2500HD replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If you are paying over $500 a year to have full coverage, then you might want to think about dropping full coverage.
There are some scenarios where only buying liability is not recommended. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
It may be expensive, but it’s not optional
Even though Jacksonville Sierra 2500HD insurance rates can get expensive, paying for auto insurance may be required and benefits you in several ways.
- Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage if you don’t want to risk a ticket. 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 loan on your GMC Sierra 2500HD, it’s guaranteed your bank will require you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may have to buy a policy to insure your GMC at a significantly higher premium and require you to fork over for it.
- Auto insurance preserves not only your vehicle but also your financial assets. It will also reimburse you for medical expenses that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your GMC as the result of the weather or an accident, your policy will pay to have it repaired.
The benefits of insuring your car more than offset the price you pay, especially if you ever need it. According to a 2015 survey, the average American driver overpays as much as $865 each year so you should quote your policy with other companies at every renewal to ensure rates are competitive.
How Insurance Providers Calculate GMC Sierra 2500HD Insurance Costs
An important part of buying insurance is that you know some of the things that come into play when calculating the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can earn you cheaper rates. Lots of things are used when pricing auto insurance. Some factors are common sense such as traffic violations, but some are less obvious like your vehicle usage or how financially stable you are.
Are males or females drivers cheaper? – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the males have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.
The chart below illustrates the comparison of GMC Sierra 2500HD yearly insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
Deter car thieves – Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Performance influences prices – The make and model of the car or truck you need to insure makes a huge difference in determining your rates. The cheapest rates will normally be found when insuring lower cost passenger cars, but many other things help determine your insurance rates.
The following chart assumes a married male driver age 50, full coverage with $500 deductibles, and no discounts or violations. The chart compares GMC Sierra 2500HD insurance rates compared to other models of vehicles that have different performance rating factors.
Responsible drivers have lower premiums – Having a single ticket could increase your next policy renewal by as much as twenty percent. Careful drivers have lower premiums than bad drivers. People who have flagrant violations like DUI or willful reckless driving are required to file a SR-22 with the DMV in their state in order to legally drive.
The information below illustrates how speeding tickets and at-fault collisions influence GMC Sierra 2500HD annual premium costs for different insured age categories. The premiums assume a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
Liability limits on your policy – Your policy’s liability coverage is the coverage that protects you in the event that you are found liable for damages from an accident. It provides for a legal defense which can be incredibly expensive. It is affordable coverage compared to insuring for physical damage coverage, so drivers should carry high limits.
Safety first – Safer cars cost less to insure. These vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
These discounts can lower your auto insurance rates
Some insurers do not advertise every discount they offer very well, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that may be available.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- College Student Discount – Youth drivers who are attending college and don’t have a car may be insured at a cheaper rate.
- Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
- Discounts for New Vehicles – Putting auto insurance coverage on a new Sierra 2500HD can save up to 30% because newer vehicles are generally safer.
- Driver’s Ed – Teen drivers should complete a driver education course as it can save substantially.
- Multi-car Discount – Having multiple vehicles with one company can get a discount for every vehicle.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you aren’t that lucky. But any discount should help reduce your premiums.
The example below compares GMC Sierra 2500HD insurance prices with and without discounts applied. The rates are based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, claim-free, and safe-driver discounts applied.
Larger auto insurance companies and the discounts they provide are:
- GEICO policyholders can earn discounts including multi-vehicle, defensive driver, military active duty, anti-theft, five-year accident-free, driver training, and air bags.
- SAFECO offers discounts for anti-lock brakes, teen safety rewards, drive less, accident prevention training, bundle discounts, multi-car, and anti-theft.
- State Farm offers premium reductions for good driver, multiple autos, Steer Clear safe driver discount, passive restraint, and good student.
- MetLife offers discounts including defensive driver, good student, accident-free, claim-free, good driver, and multi-policy.
- 21st Century may have discounts that include teen driver, good student, homeowners, air bags, defensive driver, and theft prevention.
- Progressive has discounts for homeowner, good student, online signing, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
Before buying, ask every company which credits you are entitled to. Some discounts listed above might not apply everywhere. To choose companies that offer some of these discounts in Florida, follow this link.
When to talk to an insurance agent
Many people would rather talk to a local agent and that is recommended in a lot of cases Good agents can help you choose the best coverages and help submit paperwork. A nice benefit of comparing rates online is that you can obtain better rates but still work with a licensed agent. And providing support for small agencies is definitely important in Jacksonville.
After filling out this simple form, your insurance data gets sent to local insurance agents that give free quotes for your business. There is no reason to contact any agents since rate quotes are delivered to you instantly. If you wish to compare prices for a specific company, don’t hesitate to find their quoting web page and fill out their quote form.
Pick the best auto insurance agent in Jacksonville for you
If you would like to find a local insurance agency, you must know there are a couple different types of agencies and how they work. Auto insurance agencies can be described as either independent agents or exclusive agents depending on their employer. Either type can properly insure your vehicles, but we need to point out how they are different since it can affect buying decisions.
Independent Agencies or Brokers
These type of agents can sell policies from many different companies and that allows them to write policies through lots of different companies and help determine which has the cheapest rates. If you want to switch companies, your agent can switch companies and you don’t have to switch agencies. If you are comparing auto insurance prices, you will want to get several quotes from at least one independent agent to get the best comparison. They also have the ability to place coverage with smaller regional carriers who may have lower rates.
Featured below are independent agents in Jacksonville that may be able to provide free auto insurance quotes.
- First Network Insurance Agency
6180 Fort Caroline Rd #3 – Jacksonville, FL 32277 – (904) 743-3492 – View Map - Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029 – View Map - Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map
Exclusive Insurance Agencies
Exclusive agencies have only one company to place business with and some examples include Farmers Insurance and State Farm. These agents are unable to provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents are very knowledgeable on what they offer and that enables them to sell even at higher rates. Some insured continue to buy from exclusive agents partially due to the brand legacy instead of buying on price only.
Shown below is a list of exclusive insurance agencies in Jacksonville willing to provide comparison quotes.
- Jim Register – State Farm Insurance Agent
12058 San Jose Blvd #302 – Jacksonville, FL 32223 – (904) 268-5522 – View Map - David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 – View Map - Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829 – View Map
Choosing the best auto insurance agent requires more thought than just a cheap price quote. The answers to these questions are important, too.
- Are there any discounts for paying up front?
- If you raise deductibles, how much can you save?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are claims handled at the agent’s location?
- Do they have cheaper tiers of coverage?
Persistence is the key to cheap rates
You just learned quite a bit of information on how to compare GMC Sierra 2500HD insurance premium rates in Jacksonville. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from the least-expected company.
Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent insurance agents. Budget-friendly car insurance in Jacksonville can be purchased online and from local insurance agents, and you should be comparing both to have the best selection.
Consumers who switch companies do it for any number of reasons including policy non-renewal, denial of a claim, an unsatisfactory settlement offer or unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.
More information is available at these links:
- Teen Driving and Texting (State Farm)
- Who Has Cheap Jacksonville Auto Insurance for High Risk Drivers? (FAQ)
- Who Has the Cheapest Jacksonville Car Insurance Quotes for Government Employees? (FAQ)
- Who Has Cheap Auto Insurance for a Learners Permit in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford F-150 in Jacksonville? (FAQ)
- What is a Telematics Device? (Allstate)
- Tread Depth and Tire Safety (State Farm)
- Parking Tips to Reduce Door Dings (State Farm)