Cheap 2018 Chevrolet Colorado Insurance Quotes

Trying to find cheaper insurance rates? Buyers have options when searching for affordable Chevy Colorado insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to quote coverages for a Chevy and get the lowest price.

If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. This information will familiarize you with the most effective way to quote insurance and some tricks to saving. Vehicle owners only need an understanding of the most efficient way to shop for car insurance online.

Discount insurance quotes

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Some trigger automatically when you get a quote, but lesser-known reductions have to be specifically requested before you get the savings. If you’re not getting every credit possible, you are just wasting money.

  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • E-sign Discounts – A few insurance companies give back up to $50 for buying your policy on their website.
  • Safe Drivers – Safe drivers may receive a discount up to 45% for Colorado insurance than drivers with accidents.
  • Early Renewal Discounts – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Distant College Student Discount – who live away from home at college and do not take a car to college could get you a discount.

Discounts lower rates, but most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, insurance companies aren’t that generous.

Popular insurance companies and their offered discounts are included below.

  • GEICO includes discounts for five-year accident-free, good student, anti-lock brakes, federal employee, defensive driver, daytime running lights, and multi-policy.
  • Travelers may include discounts for hybrid/electric vehicle, multi-policy, home ownership, driver training, and payment discounts.
  • Farm Bureau offers discounts for multi-vehicle, good student, multi-policy, 55 and retired, youthful driver, and renewal discount.
  • Liberty Mutual has savings for teen driver discount, multi-car, exclusive group savings, new move discount, new vehicle discount, multi-policy, and hybrid vehicle.
  • American Family has discounts for good driver, air bags, early bird, accident-free, multi-vehicle, and mySafetyValet.
  • Progressive may have discounts that include multi-vehicle, multi-policy, continuous coverage, online quote discount, online signing, good student, and homeowner.

If you want affordable insurance quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier may not be available in every state.

How to buy insurance

Getting cheap 2018 Chevy Colorado insurance pricing is actually quite simple. The only requirement is to spend a little time to compare free insurance quotes online from several insurance companies. This can be accomplished using one of these methods.

If you are pressed for time, the simplest way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form saves time by eliminating repetitive form entry to each individual insurance company. A single, simple form gets coverage cost estimates from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

Another way to get quotes online requires a trip to the website of each company to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Farmers, Liberty Mutual and Travelers. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just ensure you are comparing identical coverage limits with every price quote. If each company quotes unequal deductibles or liability limits it will be nearly impossible to make a fair comparison for your Chevy Colorado.

Informed consumers can slash their insurance premiums

Lots of factors are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving history, but others are more obscure such as your credit history or how safe your car is.When buying insurance coverage it’s important to understand some of the elements that are used to determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in lower rates.

  • With age comes responsibility – Older drivers are proven to be safer behind the wheel, cause fewer claims and accidents and get fewer tickets.Youthful drivers are known to be careless and easily distracted when driving so insurance coverage rates are higher.
  • Where you live is a factor – Choosing to live in a small town is a good thing when talking about insurance coverage. People who live in big cities tend to have more aggressive driving styles and more severe claims. Fewer drivers on the road translates into fewer accident claims and a lower car theft rate.
  • High coverage deductibles save money – The deductibles you choose are the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of covered claims are collision with another vehicle, vandalism, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the less your insurance coverage will be for Colorado insurance.
  • Tickets increase costs – Even a single driving citation can increase the cost of insurance by as much as twenty percent. Attentive drivers get better prices compared to drivers with tickets. Drivers with careless violations such as DUI or willful reckless driving may be required to maintain a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Long commutes cost more – Driving more miles every year the more you will pay for insurance coverage. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. An incorrectly rated Colorado can result in significantly higher rates. Ask your agent if your policy reflects the proper vehicle usage.
  • Don’t let your policy lapse – Driving without insurance is a big no-no and any future policy may cost more because you let your insurance coverage expire. And not only will insurance be more expensive, the inability to provide proof of insurance will get you fines or a revoked license.
  • Single drivers take more risk – Being married helps lower the price compared to being single. It translates into being more mature and responsible and insurance companies like that being married results in fewer claims.
  • Safer the car lower the rate – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection means your insurance company pays less and cheaper rates on your policy. If your Chevy scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Do I need replacement cost coverage on my 2018 Chevy Colorado?
  • When do I need to add a new car to my policy?
  • When can I cancel my policy?
  • Should I waive the damage coverage when renting a car?
  • What can I do if my company won’t pay a claim?
  • Should I get collision insurance on every vehicle?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Why you might not save $453 a year

Consumers can’t avoid all the ads for insurance savings by companies like Allstate, GEICO and Progressive. They all make an identical promise about how much you will save just by switching your insurance coverage to their company.

How does every company claim to save you money? Here is how they do it.

Companies have strict underwriting profiles for the driver they prefer to insure. One example of a profitable customer could be married and over the age of 30, has no prior claims, and has great credit. A customer getting a price quote who matches that profile gets the lowest premium rates and therefore will cut their rates substantially.

Insureds who don’t qualify for this ideal profile may be required to pay higher prices with the end result being the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully make the claims of big savings.

This really drives home the point why drivers must do a price quote comparison at every renewal. Because you never know which insurance companies will have the best prices for your profile.

Coverage specifics

Having a good grasp of insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Colorado.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, damage from a tornado or hurricane, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, prosthetic devices and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your Colorado from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with a tree, hitting a parking meter, scraping a guard rail, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, legal defense fees and emergency aid. How much coverage you buy is up to you, but buy as large an amount as possible.

Buy Smart and Save

Insureds leave their current company for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, questionable increases in premium or delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

A few companies may not have price quotes online and many times these regional carriers provide coverage only through local independent agencies. Lower-priced 2018 Chevy Colorado insurance is possible from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

You just read many ways to compare 2018 Chevy Colorado insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the most savings is with a smaller regional carrier.

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