Lower Your 2010 Chevrolet Colorado Car Insurance Quotes

Finding the cheapest insurance for a Chevy Colorado can be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to find car insurance online and we’ll show you the quickest way to price shop coverage for a new or used Chevy and get the lowest possible price.

Consumers need to get comparison quotes before your next renewal because car insurance prices change quite often. Even if you think you had the best quotes for Colorado coverage a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I’m going to teach you one of the best ways to find better rates and still maintain coverage.

Get lower-cost insurance with discounts

Insurance is not inexpensive, but you may qualify for discounts that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but a few must be asked about prior to getting the savings.

  • Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Colorado coverage depending on your company.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
  • Switch and Save Discount – Select insurance companies give a discount for signing up prior to the expiration date on your current policy. This can save 10% or more.
  • Distant Student – Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can get savings as much as 30%.
  • Braking Control Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions so you can save 10 percent or more.

Drivers should understand that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.

A list of companies and a selection of discounts are:

  • Farmers Insurance may have discounts that include multi-car, good student, youthful driver, homeowner, and mature driver.
  • State Farm has discounts for anti-theft, accident-free, good student, multiple autos, Drive Safe & Save, defensive driving training, and passive restraint.
  • Liberty Mutual offers discounts including exclusive group savings, newly married, teen driver discount, hybrid vehicle, new vehicle discount, and multi-policy.
  • MetLife offers discounts for good driver, accident-free, good student, multi-policy, defensive driver, claim-free
  • Progressive may include discounts for online quote discount, good student, online signing, multi-policy, and homeowner.

When getting free car insurance quotes, it’s a good idea to every insurance company which discounts you may be entitled to. Discounts might not apply in your area.

Smart consumers can lower their insurance costs

Lots of factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are less apparent like where you live or how safe your car is.One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that play a part in calculating your insurance coverage rates. If you know what controls the rates you pay, this allows you to make educated decisions that can earn you better insurance coverage rates.

The items below are most of the major factors used by your company to calculate your rate level.

  • How much liability protection do you need? – Your insurance coverage policy’s liability coverage will protect you when you are ruled to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.
  • Bundle policies and save – Some insurance companies allow better rates to customers that buy multiple policies in the form of a multi-policy discount. The discount can be 10 percent or more. Even with this discount, consumers should still get quotes from other companies to help guarantee you have the best rates.
  • Don’t buy extra coverages that may not be needed – There are a ton of additional extra coverages that you can get tricked into buying but may not be useful. Coverages for vanishing deductibles, accidental death, and membership fees may be costing you every month. They may seem like a good idea when discussing your needs, but now you might not need them so think about removing them and cutting costs.
  • Bad credit hurts insurance premiums – An insured’s credit history can be an important factor in determining your rates. If your credit rating is not that good, you may save money insuring your 2010 Chevrolet Colorado by improving your rating. Insureds with very high credit ratings tend to be less risk to insure than drivers with bad credit.
  • Being married can save on insurance coverage – Your spouse actually saves money on your policy. Having a spouse is viewed as being more financially stable it has been statistically shown that being married results in fewer claims.
  • Teenagers vs. mature drivers – Mature drivers are shown to be more cautious, are lower risk to insure and receive fewer citations.Beginning drivers are proven to be less responsible when driving with friends so they pay higher insurance coverage rates.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether or not you may require specific advice.

  • Can I still get insurance after a DUI?
  • Do I need higher collision deductibles?
  • Will my insurance pay for OEM parts?
  • Do I need motorclub coverage?
  • Am I covered if my car is in a flood?
  • What exactly is covered by my policy?
  • Is upholstery damage covered by car insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Beware of misleading auto insurance ads

Drivers can’t escape the ads that claim the cheapest prices from companies such as Geico, State Farm and Progressive. They all seem to state the claim that you can save if you get a free car insurance quote and switch your policy.

How is it possible that every company can have lower policy pricing? It’s all in the wording.

Most companies quote the lowest rates for the type of customer that will most likely be profitable. An example of a desirable risk should be over the age of 45, insures multiple vehicles, and has excellent credit. A customer getting a price quote that meets those criteria will get low prices and therefore will save money with a new company.

Consumers who do not fit the requirements will be charged higher prices with the end result being the customer not purchasing. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can confidently make those statements. Because of these techniques, you should get price quotes at each policy renewal. It is impossible to predict the company that will fit you best based on your risk profile.

Car insurance 101

Understanding the coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverages

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as loss of income, attorney fees, emergency aid and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for hospital visits, doctor visits and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, vandalism, theft, damage from flooding and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Colorado resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

You can do this!

In this article, we presented many ideas to shop for 2010 Chevy Colorado insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the most savings is with a small local company.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

Low-cost 2010 Chevy Colorado insurance is attainable on the web as well as from insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide online price quotes and these small insurance companies prefer to sell through local independent agents.

Additional information