Insurance rates Chevy Silverado in JacksonvilleHow many years has it been since you compared the cheapest car insurance rates in Jacksonville, FL? Jacksonville buyers have a choice when searching for low-cost Chevy Silverado insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance so we're going to tell you the best way to quote coverages for a Chevy and find the lowest possible price.

If you have a current car insurance policy or need new coverage, use these techniques to save money and possibly find even better coverage. Our goal is to help educate you on the best way to buy inexpensive car insurance and also save some money in the process Smart buyers just need to learn the best way to quote multiple rates from multiple carriers.

Eight discounts for cheap car insurance quotes

Companies offering auto insurance don't always publicize all discounts in a way that's easy to find, so we researched some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Jacksonville car insurance online.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

A few companies that have these money-saving discounts possibly include:

Before purchasing a policy, check with each company or agent which discounts can lower your rates. A few discounts may not apply to policyholders in every state. If you would like to see a list of providers with significant discounts in Jacksonville, click here to view.

Finding Chevy Silverado insurance in Jacksonville

The providers in the list below have been selected to offer free rate quotes in Jacksonville, FL. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Chevrolet Silverado Insurance Cost Estimates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $260 $360 $618 $36 $184 $1,458 $122
Silverado LS Regular Cab 4WD $356 $532 $546 $32 $164 $1,630 $136
Silverado LT Regular Cab 2WD $278 $532 $532 $32 $160 $1,534 $128
Silverado LT Regular Cab $156 $290 $452 $26 $136 $1,060 $88
Silverado LS Extended Cab 4WD $256 $504 $504 $30 $152 $1,446 $121
Silverado LT Extended Cab 4WD $226 $430 $438 $26 $132 $1,252 $104
Silverado LT Extended Cab 2WD $182 $314 $486 $28 $146 $1,156 $96
Silverado LS Extended Cab 2WD $348 $636 $480 $28 $144 $1,636 $136
Silverado LT Crew Cab 4WD $194 $414 $472 $28 $142 $1,250 $104
Silverado LS Crew Cab 2WD $270 $474 $486 $28 $146 $1,404 $117
Silverado LS Crew Cab 4WD $194 $414 $472 $28 $142 $1,250 $104
Silverado LT Crew Cab 2WD $450 $940 $636 $38 $190 $2,254 $188
Silverado LTZ Extended Cab 2WD $316 $650 $452 $26 $136 $1,580 $132
Silverado LTZ Extended Cab 4WD $348 $748 $438 $26 $132 $1,692 $141
Silverado LTZ Crew Cab 2WD $220 $462 $570 $34 $170 $1,456 $121
Silverado LTZ Crew Cab 4WD $204 $370 $430 $26 $128 $1,158 $97
Silverado Crew Cab Hybrid 2WD $284 $626 $400 $24 $120 $1,454 $121
Silverado Crew Cab Hybrid 4WD $348 $730 $392 $24 $118 $1,612 $134
Get Your Own Custom Quote Go

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in Jacksonville location which can raise or lower coverage prices greatly.

How high should deductibles be?

The information below illustrates how your deductible choice and can impact Chevrolet Silverado insurance prices for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Insurance is available from agents near you

A small number of people prefer to sit down and talk to an agent and that is not a bad decision Good agents can make sure you are properly covered and help in the event of a claim. The best thing about price shopping on the web is you can get the best rates and still buy from a local agent. Supporting neighborhood agents is especially important in Jacksonville.

Find insurance agent in JacksonvilleFor easy comparison, once you complete this form (opens in new window), your coverage information is submitted to companies in Jacksonville who will give competitive quotes for your insurance coverage. You don't have to find an agent since rate quotes are delivered immediately to you. If you need to get a rate quote from one company in particular, feel free to visit that company's website and give them your coverage information.

Different types of car insurance agents in Jacksonville

When finding a reliable insurance agency, there are a couple of different types of agencies to choose from. Insurance agents in Jacksonville may be either independent or exclusive. Either can provide insurance policies, but it is important to understand the differences since it could factor into your agent selection.

Independent Insurance Agents

Agents that choose to be independent do not sell for just one brand so as a result can place your coverage with a variety of different insurance companies and get the cheapest rates. If your agent finds better pricing, they simply move the coverage in-house which is easy for the insured. If you are trying to find cheaper rates, you should always contact multiple independent agents to ensure the widest selection of prices. Most independent agents also contract with companies you've never heard of which could offer lower prices.

Shown below are Jacksonville independent insurance agents who may provide competitive price quotes.

View more Jacksonville agents

Exclusive Insurance Agencies

These agents work for only one company like Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so if the price isn't competitive there isn't much they can do. Exclusive agents are very knowledgeable on their products and sales techniques and that allows them to sell at a higher price point. Consumers frequently choose to use an exclusive agent mostly because of the brand and the convenience of having all coverages with one company.

The following is a list of exclusive insurance agents in Jacksonville that are able to give price quotes.

View more Jacksonville agents

Selecting an auto insurance agent shouldn't rely on just the quoted price. Here are some questions to ask:

Once you have positive responses to any questions you may have and a low price estimate, it's a good possibility that you have found an insurance agent that can provide insurance coverage.

Auto insurance just makes sense

Despite the fact that auto insurance is not cheap in Jacksonville, insuring your vehicle may not be optional for several reasons.

The benefits of buying enough insurance definitely exceed the price paid, particularly when you have a large claim. But the average American driver is overpaying more than $865 each year so compare rate quotes at least once a year to make sure the price is not too high.

Parts of your car insurance policy

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, damage from flooding, hitting a deer, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Silverado.

Due to the fact that many Florida drivers carry very low liability coverage limits (which is 10/20/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy's liability coverage.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other's property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 10/20/10 that translate to $10,000 bodily injury coverage, a limit of $20,000 in injury protection per accident, and property damage coverage for $10,000. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, repair bills for other people's vehicles, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. Florida requires minimum liability limits of 10/20/10 but drivers should carry more coverage.

Collision coverage

This covers damage to your Silverado caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible on your Silverado to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for things like surgery, rehabilitation expenses, EMT expenses, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Persistence pays off

Consumers switch companies for a variety of reasons including questionable increases in premium, not issuing a premium refund, high prices and even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

In this article, we covered quite a bit of information on how to reduce Chevy Silverado insurance rates online in Jacksonville. It's most important to understand that the more price quotes you have, the higher your chance of finding affordable Jacksonville car insurance quotes. Drivers may even discover the best price on car insurance is with a company that doesn't do a lot of advertising.

When you buy Jacksonville car insurance online, never buy less coverage just to save a little money. There have been many cases where someone sacrificed physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

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