Cheaper 2019 Chevrolet Colorado Insurance Rates in 2024

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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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Searching for better car insurance rates for your Chevrolet Colorado? Scraping up a payment for expensive Chevrolet Colorado insurance can deplete your bank account and possibly require you to analyze your spending habits. Getting a rate comparison is free and is an excellent way to reduce premiums and put more money in your pocket.

Consumers have many insurance companies to pick from, and even though it’s nice to be able to choose, it can be more difficult to compare company pricing.

It is always a good idea to shop coverage around periodically because rates are rarely the same from one policy term to another. Just because you found the best rate on Colorado coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to teach you the quickest way to save on car insurance.

How to compare free auto insurance rate quotes

Finding cheaper auto insurance rates isn’t really that difficult. The only thing you need to do is take a few minutes to get quotes from different insurance companies. Insurance prices can be quoted in just a few minutes using one of these methods.

  1. The most recommended method to get quotes is to use a rate comparison form. This form eliminates the need for multiple quote forms for each company you want a rate for. A single, simple form gets you price quotes from multiple low-cost companies.
  2. Another way to compare prices is to manually visit each company’s website and repeat the quote process again and again. For instance, let’s say you want to compare rates from GEICO, Safeco and GMAC. You would have to visit each site and repeatedly type in your coverage information, which is not fast way to get rate quotes.
  3. If you have time to kill, the last way to find and compare rates to each insurance agency near you. The ability to quote online has made agencies unnecessary unless you’re the type of person who wants the professional guidance that only an agent can give. Some companies do allow you to find lower rates online but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just try to keep exactly the same quote information for each price quote. If the quotes have differing limits it will be impossible to determine which rate is truly the best.

Get lower rates with these discounts

Not many people think insurance is cheap, but you might find some hidden discounts to help bring down the price. A few discounts will automatically apply when you get a quote, but some must be manually applied before they will apply.

  • Student in College – Children who attend college more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Discount for Low Mileage – Keeping the miles down on your Chevy may enable drivers to earn discounted premium rates on garaged vehicles.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get a slight reduction on a car insurance quote on Colorado coverage.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • E-sign – A few larger online companies provide a small discount get car insurance over the internet.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
  • Driver’s Ed – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Homeowners Discount – Owning your own home or condo can save a few bucks since home ownership requires a higher level of personal finance.

One last thing about discounts, some credits don’t apply to the entire cost. Most cut individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you aren’t that lucky. But any discount will help lower your insurance coverage premiums.

Car insurance companies that may offer some of the discounts shown above possibly include:

  • Travelers
  • Nationwide
  • Farmers Insurance
  • Esurance
  • State Farm
  • Progressive
  • Mercury Insurance

When comparing rates, check with every prospective company which discounts they offer. Some discounts might not apply in your area. To see a list of insurance companies that offer multiple discounts, enter your zip code here.

Car insurance can be complex

When buying the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you may require specific advice.

  • I don’t drive much so do I pay less?
  • Is my 2019 Chevy Colorado covered for flood damage?
  • Should I have combined single limit or split liability limits?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is covered by UM/UIM coverage?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Car insurance coverage specifics

Knowing the specifics of car insurance aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a bird and damage from flooding. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, hitting a parking meter, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability car insurance

This coverage will cover damage or injury you incur to people or other property in an accident. This insurance 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. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills such as pain medications, funeral costs and hospital visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Colorado.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

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