We don’t have to point out that fact that auto insurance companies want to keep you from shopping around. Consumers who get price quotes annually will presumably buy a different policy because there is a significant possibility of finding a policy with more affordable rates. A recent survey revealed that drivers who routinely compared rates saved approximately $3,450 over four years as compared to drivers who never shopped around for lower prices.
If finding the best rates on car insurance is the reason for your visit, then having a good understanding how to shop for insurance coverage can help simplify the task of finding more affordable coverage.
The best way we recommend to get cheaper car insurance rates is to start doing a yearly price comparison from different companies that sell auto insurance in Jacksonville.
- Try to understand how companies set rates and the factors you can control to lower rates. Many rating factors that result in higher rates such as inattentive driving and a bad credit score can be controlled by improving your driving habits or financial responsibility.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while independent agencies can quote rates from multiple sources.
- Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.
A valuable tip to remember is to make sure you enter similar deductibles and liability limits on every quote request and and to look at all possible companies. This guarantees an apples-to-apples comparison and a thorough selection of prices.
When shopping for Chevy Silverado 2500HD insurance in Jacksonville there are multiple ways to compare prices from different Jacksonville insurance companies. The best method to find the lowest Chevy Silverado 2500HD rates is simply to get online rate quotes.
It’s important to know that comparing a large number of companies helps increase your odds of locating a lower rate. Not every company allows you to get online rate quotes, so it’s necessary to compare prices from the smaller companies as well.
The auto insurance companies shown below can provide quotes in Jacksonville, FL. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.
Premium rates and analysis
The information shown next highlights a range of insurance prices for Chevy Silverado 2500HD models. Having insight into how policy premiums are formulated can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $280 | $532 | $392 | $24 | $118 | $1,346 | $112 |
| Silverado 2500HD LT Crew Cab 2WD | $280 | $612 | $444 | $26 | $132 | $1,494 | $125 |
| Silverado 2500HD LTZ Crew Cab 4WD | $280 | $532 | $392 | $24 | $118 | $1,346 | $112 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $312 | $612 | $392 | $24 | $118 | $1,458 | $122 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $312 | $612 | $444 | $26 | $132 | $1,526 | $127 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $312 | $612 | $444 | $26 | $132 | $1,526 | $127 |
| Silverado 2500HD LTZ Crew Cab 2WD | $312 | $612 | $444 | $26 | $132 | $1,526 | $127 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $312 | $612 | $392 | $24 | $118 | $1,458 | $122 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $312 | $692 | $444 | $26 | $132 | $1,606 | $134 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in Jacksonville location which can influence coverage prices significantly.
Choosing deductibles
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The data tables below may aid in understanding the price difference between low and high comp and collision deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Silverado 2500HD LT Crew Cab 2WD | $364 | $736 | $472 | $28 | $142 | $1,767 | $147 |
| Silverado 2500HD LTZ Crew Cab 4WD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $406 | $736 | $472 | $28 | $142 | $1,809 | $151 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $406 | $736 | $472 | $28 | $142 | $1,809 | $151 |
| Silverado 2500HD LTZ Crew Cab 2WD | $406 | $736 | $472 | $28 | $142 | $1,809 | $151 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $406 | $834 | $472 | $28 | $142 | $1,907 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Silverado 2500HD LT Crew Cab 2WD | $224 | $464 | $472 | $28 | $142 | $1,330 | $111 |
| Silverado 2500HD LTZ Crew Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Silverado 2500HD LTZ Crew Cab 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $250 | $524 | $472 | $28 | $142 | $1,416 | $118 |
| Get Your Own Custom Quote Go | |||||||
Prices above 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. Table data does not factor in specific location information which can modify auto insurance rates substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $37 more each month or $444 a year than opting for the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 20 months between claim filings, you would probably save some money if you choose a higher deductible. Here is the way you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $146 |
| Average monthly premium for $1,000 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $37 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $37 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One thing to be aware of is that increasing deductibles to save money results in more money out-of-pocket when you have a claim. That will require access to more funds in order to pay the deductible for vehicle repair.
Chevrolet Silverado 2500HD full coverage rates compared to liability only
The chart below compares Chevy Silverado 2500HD auto insurance rates with full coverage and liability only. The rates are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no exact formula for eliminating full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Chevy Silverado 2500HD book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the deductible is paid. If premium cost is more than $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Get cheaper rates by taking advantage of discounts
Some insurance providers do not advertise all available discounts in an easy-to-find place, so we researched a few of the more common and also the lesser-known savings tricks you should be using when you buy Jacksonville car insurance online.
- Multi-line Discount – Larger insurance companies have lower rates if you buy life insurance.
- Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
- Sign Early and Save – Some insurance companies provide a discount for buying a policy before your current coverage expires. This can save 10% or more.
- Student Discounts – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more depending on where you live.
- Drive Less and Save – Fewer annual miles on your Chevy can qualify you for discounted premium rates on garaged vehicles.
- Student in College – Kids who are enrolled in a college that is more than 100 miles from Jacksonville without a vehicle on campus may be able to be covered for less.
A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, companies don’t profit that way. But all discounts should help lower your overall premium however.
The example below illustrates the comparison of Chevy Silverado 2500HD annual premium costs with and without discounts applied. The rates are based on a female driver, no accidents or driving violations, 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 multi-car, multi-policy, marriage, claim-free, homeowner, and safe-driver discounts applied.
A list of insurance companies and the discounts they provide are shown below.
- GEICO offers premium reductions for seat belt use, daytime running lights, anti-lock brakes, five-year accident-free, and good student.
- SAFECO offers discounts for bundle discounts, safe driver, drive less, anti-theft, multi-car, and teen safe driver.
- State Farm has savings for defensive driving training, multiple autos, anti-theft, Steer Clear safe driver discount, and accident-free.
- MetLife has discounts for accident-free, good driver, good student, defensive driver, multi-policy, claim-free
- 21st Century includes discounts for student driver, anti-lock brakes, driver training, good student, homeowners, and automatic seat belts.
- Progressive discounts include continuous coverage, good student, online signing, multi-vehicle, multi-policy, and online quote discount.
When getting a coverage quote, ask each insurance company what discounts are available to you. All car insurance discounts may not apply in Jacksonville.
Car insurance does more than just protect your car
Despite the high cost of buying insurance for a Chevy Silverado 2500HD in Jacksonville, paying for car insurance is not optional due to several reasons.
- Almost all states have mandatory insurance requirements which means the state requires specific limits of liability insurance coverage in order to license the vehicle. 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 your Silverado 2500HD has a lienholder, more than likely the lender will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may insure your Chevy at a significantly higher premium and require you to fork over the higher premium.
- Insurance protects not only your Chevy Silverado 2500HD but also your assets. Insurance will pay for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you 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 repair the damage.
The benefits of carrying enough insurance are without a doubt worth the cost, especially if you ever need it. The average driver in America is overpaying more than $865 each year so compare rates once a year at a minimum to make sure the price is not too high.
When should I discuss my situation with an agent?
When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that.
These are some specific questions could help you determine if your insurance needs might need professional guidance.
- When does my teenage driver need to be added to my policy?
- When should I drop full coverage on my Chevy Silverado 2500HD?
- Are there any extra discounts I can get?
- Is my custom stereo system covered?
- Am I covered when driving someone else’s vehicle?
- What is the ISO rating for a Chevy Silverado 2500HD?
If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Can’t I compare rate quotes from local Jacksonville insurance agencies?
Some people just prefer to buy from a licensed agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is the fact that drivers can get the lowest rates but still work with a licensed agent. Buying from and supporting neighborhood agents is important particularly in Jacksonville.
By using this short form, your coverage information is emailed to agents in your area who will give you quotes for your insurance coverage. You never need to even leave your home since rate quotes are delivered directly to you. You can find lower rates and a licensed agent to talk to. In the event you want to get a comparison quote from a specific insurance company, just visit that company’s website to submit a rate quote request.
How to choose the best auto insurance agent in Jacksonville
If you’re trying to find a good Jacksonville insurance agent, it can be helpful to understand the types of insurance agents from which to choose. Agents in Jacksonville are classified as either independent or exclusive.
Independent Insurance Agents (or Brokers)
Agents in the independent channel are normally appointed by many insurers and that allows them to write policies with a variety of different insurance companies and find you the best rates. If premiums increase, your policy is moved internally and you can keep the same agent.
When comparing insurance prices, we recommend you get quotes from a few independent agents to ensure the widest selection of prices. Most also write with lesser-known insurance companies who may have lower rates.
Below is a partial list of independent insurance agencies in Jacksonville that can possibly get you free price quotes.
- First Network Insurance Agency
6180 Fort Caroline Rd #3 – Jacksonville, FL 32277 – (904) 743-3492 – View Map - Beans Insurance Agency, LLC
3041 Dunn Ave – Jacksonville, FL 32218 – (904) 766-1995 – View Map - Luten Insurance Agency
3811 Blanding Blvd – Jacksonville, FL 32210 – (904) 771-6400 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only quote rates from one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are usually well trained on sales techniques and that can be a competitive advantage. Some insured continue to buy from the same agent for years partially due to the brand legacy and solid financial strength.
Listed below is a short list of exclusive insurance agencies in Jacksonville that can give you rate quotes.
- Therese Quinn – State Farm Insurance Agent
1944 Southside Blvd – Jacksonville, FL 32216 – (904) 724-6040 – View Map - Chris Frank – State Farm Insurance Agent
9475 Philips Hwy Ste 15 – Jacksonville, FL 32256 – (904) 900-1727 – View Map - Allstate Insurance: Jeff Bernard
7530 103rd St Ste 13 – Jacksonville, FL 32210 – (904) 777-3130 – View Map
Finding the right insurance agent shouldn’t rely on just the price. Here are some questions to ask:
- How much training do they have in personal risk management?
- Can you contact them at any time?
- How does the company pay claims for a total loss?
- Can you choose the body shop in case repairs are needed?
- Has the agent ever had any license suspensions?
- If your car is in the repair shop, do you have coverage for a rental car?
Upon getting acceptable answers to any questions you have as well as offering an affordable quote, most likely you have located an insurance agency that will provide insurance coverage.