2010 Chevrolet Colorado Insurance Quotes

Shoppers have a choice when shopping for the lowest priced Chevy Colorado insurance. They can either spend hours driving around to get rate comparisons or use the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the absolute fastest way to price shop coverage for your Chevy and find the lowest price.

It is always a good idea to check insurance coverage prices once or twice a year due to the fact that insurance rates fluctuate regularly. If you had the lowest price on Colorado coverage two years ago there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the fastest way to get good coverage at a lower rate.

If you have insurance now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and still get good coverage. The purpose of this post is to help educate you on the most effective way to quote insurance and some money-saving tips. Drivers just need to know the tricks to get comparison rates on the web.

Are you getting all your discounts?

Car insurance companies don’t necessarily list all their discounts very well, so we break down both the well known and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Drive Safe and Save – Safe drivers may save up to 50% more on Colorado coverage than drivers with accidents.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Colorado coverage.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Accident Free – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before your rates go up if you are claim-free prior to the accident.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may offer these benefits are:

Double check with each insurance company how you can save money. Savings may not apply in your state.

Finding Car Insurance

There are a lot of ways you can shop for car insurance but one way is easier and takes less work. You can waste hours driving to insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program where insurance shoppers submit one quote, and at least one company provides a quote based on that information. This saves time by eliminating quotation requests for each company.

To participate in this free quote system, click here to start a free quote.

The only drawback to pricing coverage this way is you can’t choose the insurers to get quotes from. So if you want to select specific insurance companies to compare, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you use identical quote information for every company. If each company quotes mixed coverages it will be next to impossible to truly determine the lowest rate.

Some factors that can determine what Chevy Colorado insurance costs

Smart consumers have a good feel for the factors that come into play when calculating your insurance coverage rates. Knowing what determines base rates allows you to make educated decisions that may reward you with better insurance coverage rates.

The list below includes some of the factors companies use to determine rates.

  • An active claims history can cost you – Car insurance companies provide better rates to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Your insurance policy is intended to be relied upon for larger claims.
  • More people means more accidents – Living in less populated areas is a positive aspect when it comes to insurance coverage. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means fewer accidents.
  • Never allow your policy to lapse – Driving with no insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Lower rates come with age – Teenage drivers tend to be more careless behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a teenage driver onto a policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Your occupation can affect rates – Occupations such as doctors, architects and accountants tend to pay higher rates than average due to stressful work requirements and long work hours. On the flip side, professions such as scientists, athletes and retirees have the lowest average rates on Colorado coverage.
  • Liability coverage is cheap – The liability section of your policy will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.

When might I need an agent?

When it comes to choosing the best insurance coverage, there really is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

  • What if I total my 2010 Chevy Colorado and owe more than it’s worth?
  • Is my Chevy Colorado covered if I use it for business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my state a no-fault state?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance policy coverages for a 2010 Chevy Colorado

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like hospital visits, prosthetic devices, surgery and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, backing into a parked car, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase 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 then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, fire damage and falling objects. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Colorado.

Since many drivers 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.

Auto liability – This provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, pain and suffering, repair costs for stationary objects, attorney fees and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Find Good Coverage for Less

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured dropped liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Cheap 2010 Chevy Colorado insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide online price quotes and these small insurance companies work with independent agents.

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, delays in responding to claim requests or even delays in paying claims. No matter why you want to switch, finding the right insurance provider can be easier than you think.

Additional detailed information can be found at these sites: