Lower Your 2018 Chevrolet Colorado Car Insurance Quotes

Being forced to pay for expensive auto insurance premiums can dry up your family’s budget and require stricter spending habits.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute lowest rate

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Finding affordable coverage is quite easy. But drivers must know how insurance companies sell online.

Get lower rates with these car insurance discounts

Companies don’t necessarily list all possible discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden credits available to lower your premiums when you buy auto insurance online.

• Professional Organizations – Belonging to a qualifying organization is a simple method to lower premiums on car insurance.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
• Senior Citizens – Mature drivers may qualify for a small discount on rates for Colorado coverage.
• Save with a New Car – Putting coverage on a new car can get you a discount because new model year vehicles are generally safer.
• Military Rewards – Having a family member in the military could be rewarded with lower car insurance rates.
• Telematics Data – People who choose to allow driving data collection to look at driving habits remotely like Allstate’s Drivewise might see lower rates if they show good driving skills.
• Homeowners Discount – Owning a house can save a few bucks because owning a home is proof of financial responsibility.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Colorado coverage with a few car insurance companies.
• Multiple Vehicles – Buying a policy with multiple cars with one company qualifies for this discount.
• Distant College Student Discount – Kids who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, that’s just not realistic.

Car insurance companies that may offer these benefits include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Before purchasing a policy, check with each insurance company how many discounts you can get. Some credits might not be available to policyholders in your area. To choose car insurance companies who offer online car insurance quotes, follow this link.

The quickest way to compare rates is to understand car insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide information like how you use your vehicles, how much school you completed, whether you are married, and if you lease or own. Your insurance information is sent automatically to many highly-rated insurers and they return rate quotes within a short period of time.

Auto insurance can get complicated

When choosing adequate coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions may help highlight if you would benefit from professional advice.

• When can my company non-renew my policy?
• Is a fancy paint job covered?
• Is my Chevy Colorado covered if I use it for business?
• Are rock chip repairs covered?
• Does my 2018 Chevy Colorado qualify for pleasure use?
• Should I buy more coverage than the required minimum liability coverage?
• Should I put collision coverage on all my vehicles?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance coverage breakdown

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Liability

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles, pain and suffering and attorney fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy Colorado.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for EMT expenses, X-ray expenses, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Affordable insurance is out there

Cheaper 2018 Chevy Colorado insurance is possible from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide price quotes online and many times these regional insurance providers only sell coverage through independent insurance agencies.

When you buy auto insurance online, never buy poor coverage just to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at the best possible price while still protecting your assets.

Additional information can be read below:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)