Vehicles > Chevrolet > Cobalt

Chevrolet Cobalt Insurance Rates

You have lots of choices when insurance shopping for your Chevrolet vehicle. You can get prices from a local agent or go online to check prices from multiple insurance companies. Comparing car insurance on the web can be fast and easy and at the same time you might just save a little.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The easiest way to find competitive Cobalt insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence Cobalt insurance quotes?

Auto insurance rates on a Chevrolet Cobalt can fluctuate considerably depending on several factors. Taken into consideration are:

  • Higher performance Cobalt vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Your birth date
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • What you do for a living
  • The amount of protection requested
  • Whether you rent or own your home

A final factor that can impact Cobalt insurance rates is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. But newer vehicles may have a trim level with safety features including pedestrian detection, active head restraints, and a backup camera which may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Cobalt from available model years below.

Liability car insurance - This coverage can cover damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision - This coverage covers damage to your Chevrolet resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage for your Cobalt can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive car insurance - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Chevrolet Cobalt comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Chevrolet Cobalt Insurance Rates?