2012 Chevrolet Colorado Car Insurance Quotes in 2024

Looking for the cheapest auto insurance rates for your Chevrolet Colorado? Are you drained from paying out the nose to insure your Chevy every month? You are in the same boat as many other drivers.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm constantly bombard you with ad campaigns and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers should take time to get comparison quotes periodically because auto insurance prices change quite often. Even if you got the lowest rate for Colorado coverage a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to learn the proper way to buy cheaper auto insurance.

Get lower rates with these auto insurance discounts

Some providers don’t necessarily list their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

• Online Discount – A handful of larger companies will give you a small discount for buying a policy and signing up online.
• Service Members Pay Less – Being deployed with a military unit can result in better auto insurance rates.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Claim Free – Drivers who don’t have accidents get the best auto insurance rates when compared with frequent claim filers.
• Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on your next renewal.
• Distant College Student Discount – Any of your kids who are attending college and do not have a car may be insured at a cheaper rate.

As a footnote on discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will reduce the amount you pay for coverage.

A few popular companies and their offered discounts include:

• State Farm may offer discounts for student away at school, good student, safe vehicle, driver’s education, and defensive driving training.
• Progressive has discounts for online quote discount, homeowner, multi-vehicle, continuous coverage, and good student.
• Progressive offers premium reductions for homeowner, multi-vehicle, good student, continuous coverage, online quote discount, and online signing.
• MetLife offers discounts including defensive driver, claim-free, accident-free, good student, multi-policy, and good driver.
• Farm Bureau may include discounts for multi-vehicle, renewal discount, youthful driver, safe driver, good student, and multi-policy.
• GEICO has savings for military active duty, five-year accident-free, anti-theft, good student, multi-vehicle, and daytime running lights.
• SAFECO offers discounts for anti-lock brakes, teen safety rewards, teen safe driver, multi-car, and safe driver.

When quoting, ask each insurance company which discounts you qualify for. Some of the discounts discussed earlier might not be offered in your area.

Auto insurance can get complicated

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether you might need an agent’s assistance.

• Do I really need UM/UIM coverage?
• When can my company non-renew my policy?
• Does my personal policy cover me when driving out-of-state?
• What companies insure drivers after a DUI or DWI?
• When should I drop full coverage on my 2012 Chevy Colorado?
• Do I need medical payments coverage since I have good health insurance?
• I don’t drive much so do I pay less?
• When does my teenage driver need to be added to my policy?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out your zip code.

Learn about auto insurance coverages for a 2012 Chevy Colorado

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – This coverage pays for damage to your Colorado resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, rock chips in glass, falling objects and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages – This will cover damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: 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.

Liability can pay for things such as attorney fees, court costs and structural damage. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills like prosthetic devices, dental work and ambulance fees. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Keep this in mind

Lower-priced insurance is possible online as well as from independent agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not offer the ability to get a quote online and these small, regional companies provide coverage only through independent agents.

You just learned quite a bit of information on how to shop for 2012 Chevy Colorado insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper insurance. Consumers may even find the biggest savings come from the least-expected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.