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Chevrolet Cobalt Insurance Rates

There are many options when insurance shopping for your Chevrolet vehicle. You can buy from a local agent or go online to compare pricing from many different car insurance companies. Shopping for car insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find the lowest Cobalt insurance cost consists of shopping online. This can be accomplished by visiting this page.

Auto insurance rates paid to insure a Chevrolet Cobalt can be significantly different depending on several factors. Some of these factors include:

  • Higher performance Cobalt vehicles cost more
  • How many accidents you have had
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Your age
  • Being married can lower rates
  • Extra coverages like towing and rental
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor that will help determine Cobalt insurance rates is the model year. Older cars and trucks cost less in comparison to older models so the costs to repair may result in lower rates. On the flip side, newer models may have a trim level with safety features like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Cobalt below.

Auto liability - This coverage protects you from damage that occurs to a person or their property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - Collision coverage pays for damage to your Chevrolet from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper Cobalt insurance rates.

Comprehensive auto coverage - This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Chevrolet Cobalt comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Chevrolet Cobalt Insurance Rates?