Shoppers have options when shopping for affordable Chevy Colorado insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to compare rates. There is a better way to shop for car insurance and we’ll show you the best way to price shop coverage on a Chevy and get the best price possible from local insurance agents and online providers.
Discounts are available to cut your rates
Companies offering auto insurance don’t necessarily list every discount very well, so here is a list some of the best known as well as the least known car insurance savings. If you don’t get every credit available, you’re paying more than you need to.
- Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Senior Discount – Older drivers can possibly qualify for better car insurance rates on Colorado insurance.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Low Mileage – Driving fewer miles can earn a substantially lower rate.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
- Multiple Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
- Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
To see a list of companies with the best car insurance discounts, click here to view.
How to Get Car Insurance
There are a variety of methods to compare car insurance quotes, but some are easier and takes less work. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can utilize the internet to achieve your goal.
Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and each company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions for each company.
To use this form to compare rates click here to open in new window.
The only drawback to using this type of system is that you can’t choose which companies to get quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but double check that you are using identical coverage limits and deductibles on every quote. If you enter different values for each quote it’s not possible to determine which rate is truly the best.
How much car insurance do I need?
When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions can aid in determining if your insurance needs may require specific advice.
- Is my nanny covered when driving my vehicle?
- When does my teenage driver need to be added to my policy?
- I have good health insurance, so how much medical payments coverage do I need?
- Am I covered when driving someone else’s vehicle?
- Am I covered by my spouse’s policy after a separation?
- Does my Chevy Colorado need full coverage?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Keep this in mind
Insureds change insurance companies for many reasons like unfair underwriting practices, denial of a claim, delays in responding to claim requests or high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company can be pretty painless.
We’ve covered quite a bit of information on how to lower your Chevy Colorado insurance rates. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best prices are with the smaller companies.
Affordable Chevy Colorado insurance can be sourced both online in addition to many insurance agents, so you should compare both to have the best selection. Some insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.
