2015 Chevrolet Colorado Insurance Quotes in 2024 – 7 Savings Tips

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Perplexed by the dozens of auto insurance companies that you can choose from? Lot’s of other drivers are too. There are so many companies to choose from that it can quickly become a ton of work to find a cheaper company.

It’s a great practice to do rate comparisons before your next renewal because auto insurance rates change frequently. Even if you got the lowest premium rates on Colorado coverage a few years ago you will most likely find a better price today. You can find a lot of misleading information regarding auto insurance on the web, but you can learn some excellent ideas to lower your auto insurance bill.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. This article will let you in on the best way to quote coverages. But car owners need to learn how the larger insurance companies compete online and take advantage of how the system works.

The cheapest car insurance quotes online

All major car insurance companies make it easy to get price estimates directly from their websites. Obtaining pricing is quite simple as you just type in the coverage amounts you desire on the page. When complete, the system will obtain your credit score and driving record and returns a price.

This streamlines rate comparisons, but the time it takes to visit multiple sites and type in your information can be a bit repetitive. But it is imperative to perform this step if you want to find a better rate.

The preferred way to lower your car insurance bill utilizes a single form to return rates from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, it is quoted with multiple companies and you can pick your choice of the quotes returned. If a lower price is quoted, you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and can result in significant savings.

To compare pricing, simply enter your zip code here and begin entering your coverage information. If you have coverage now, it’s recommended you input coverages and limits identical to your current policy. This helps ensure you will get a rate comparison based on the exact same insurance coverage.

Lower-cost car insurance rates with discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Many of these discounts will be applied automatically at the time of quoting, but some must be specifically requested before you get the savings.

  • Club Memberships – Belonging to qualifying employment or professional organizations could trigger savings on your next car insurance statement.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
  • Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before they charge you more for coverage so long as you are claim-free for a certain period of time.
  • College Student Discount – Any of your kids who live away from home at college and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
  • Own a Home and Save – Just owning your own home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.

Just know that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you aren’t that lucky.

If you would like to view car insurance companies who offer free car insurance quotes, enter your zip code here.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • If I drive on a suspended license am I covered?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are split liability limits better than a combined single limit?
  • Is upholstery damage covered by car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • When do I need to add a new car to my policy?
  • Can I afford low physical damage deductibles?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Insurance coverage options for a Chevy Colorado

Knowing the specifics of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, damage from getting keyed, fire damage and rock chips in glass. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your Colorado caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses like ambulance fees, pain medications, rehabilitation expenses, nursing services and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Colorado.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability car insurance

This protects you from damage or injury you incur to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Power to the consumer

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many cases, someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best price.

Insureds switch companies for many reasons like policy non-renewal, being labeled a high risk driver, denial of a claim and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

The cheapest 2015 Chevy Colorado insurance can be sourced online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide internet price quotes and these smaller providers only sell coverage through independent agents.

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