Affordable Chevy Colorado Insurance in Chandler

No one in their right mind likes buying auto insurance, especially when they know the cost is too high.

Statistics show that nearly 70% of Arizona drivers kept buying from the same company for well over three years, and 38% of customers have never compared rates to find cheap insurance. Consumers in the United States can save hundreds of dollars each year by just comparing quotes, but they just don’t understand the amount of money they would save if they replace their high priced policy.

You have so many car insurance companies to insure vehicles with, and even though it’s nice to have a choice, lots of choices makes it harder to get the best deal for Chevy Colorado insurance in Chandler.

When shopping for Chevy Colorado insurance in Chandler there are multiple ways of comparing rate quotes from companies that offer car insurance in Arizona. The simplest method to compare insurance prices is to jump online and get quotes.

Comparing free rate quotes online is easy and it, takes the place of having to waste gas driving to all the different Chandler insurance agencies. The ability to get quotes online makes this process obsolete unless you have a complicated situation and need the trained advice that can only be provided by a licensed insurance agent. You can, however, price shop online but have your policy serviced through an agent. When comparing car insurance rates, know that getting more free quotes helps increase your odds of locating the best price.

The companies shown below are our best choices to provide quotes in Chandler, AZ. To locate cheap auto insurance in Chandler, it’s a good idea that you compare several of them to get the most affordable price.

These discounts can lower Chevy Colorado insurance rates

Insurance can cost an arm and a leg, but you may be missing some discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but some must be specifically requested before you will receive the discount. If you do not double check each discount you qualify for, you are not getting the best rate possible.

• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a Chandler auto insurance quote.
• Telematics Discount – Drivers who elect to allow driving data collection to monitor driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as the data is positive.
• Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less as compared to drivers with claims.
• Online Discount – A few insurance companies will give a small break for completing your application online.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you can avoid monthly service charges.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Braking Control Discount – Cars with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
• 55 and Retired – Drivers over the age of 55 are able to get a discount up to 10%.

One last thing about discounts, most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce your policy premium.

The diagram below visualizes the comparison of Chevy Colorado auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, claim-free, and homeowner discounts applied.

Popular car insurance companies and their offered discounts can be found below.

• Mercury Insurance has savings for type of vehicle, low natural disaster claims, multi-policy, age of vehicle, and accident-free.
• Farmers Insurance policyholders can earn discounts including alternative fuel, pay in full, youthful driver, business and professional, bundle discounts, and homeowner.
• Farm Bureau offers discounts for 55 and retired, driver training, safe driver, renewal discount, youthful driver, and good student.
• State Farm may include discounts for driver’s education, multiple policy, student away at school, good student, good driver, and safe vehicle.
• Allstate discounts include premier discount, defensive driver, new car, safe driver, passive restraint, and economy car.
• GEICO has discounts for driver training, multi-policy, membership and employees, five-year accident-free, daytime running lights, and defensive driver.

Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not apply in your area. To see a list of insurers that offer multiple discounts in Chandler, click this link.

Rates and other information

The rate table shown next outlines a range of insurance costs for Chevy Colorado models. Having a better idea how policy rates are calculated is important for you to make informed decisions when comparing rates.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in Chandler location which can alter price quotes substantially.

Higher deductibles save money

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The following insurance rates summarize the rate difference between high and low deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle location which can decrease or increase rates noticeably.

We can derive from the above data that using a $250 deductible will cost you approximately $11 more each month or $132 a year averaged for all Colorado models than opting for the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 23 months between claims, you would come out ahead by selecting a higher deductible.

The chart below shows how choosing a deductible and can impact Chevy Colorado insurance rates for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Are insurance agencies obsolete?

A small number of people prefer to go talk to an agent and there is nothing wrong with that. One of the benefits of getting free rate quotes online is that you can find lower car insurance rates and still choose a local agent. Buying insurance from local insurance agents is important especially in Chandler.

By using this form (opens in new window), your insurance data gets sent to companies in Chandler who will gladly provide quotes for your coverage. It makes it easy because there is no need to drive around because quoted prices will be sent to the email address you provide. You can get cheaper insurance rates AND an agent nearby. In the event you want to get a comparison quote from a specific insurance provider, just navigate to their website and submit a quote form there.

Independent or Exclusive: It’s your choice

If you want a reputable agency, it’s helpful to know the types of insurance agents and how they are distinctly different. Insurance agents in Chandler are categorized either independent (non-exclusive) or exclusive.

Independent Insurance Agents (or Brokers)

Agents that elect to be independent do not write with just one company and that is an advantage because they can write policies through many different insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you stay with the same agent. If you are trying to find cheaper rates, we recommend you get rate quotes from a few independent agents so that you have a good selection of quotes to compare.

Below are Chandler independent agents that may be able to give you rate quotes.

More Chandler agents

Exclusive Agencies

These type of agents normally can only provide a single company’s rates and some examples include Allstate and State Farm. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. Exclusive agents receive extensive training on the products they sell and that can be a competitive advantage.

Shown below is a list of exclusive insurance agencies in Chandler willing to provide price quotes.

More Chandler agents

Finding the right insurance agency is decision based upon more than just a cheap price quote. Get answers to these questions too.

• If you raise deductibles, how much can you save?
• Do they get paid more for recommending certain coverages?
• How many years have they been established?
• Does the company have a local claim office in Chandler?
• Does the agency have a good rating with the Better Business Bureau?
• How is replacement cost determined on your vehicle?

Your situation helps dictate your coverage

Always remember that when buying proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique and your insurance should unique, too.
These are some specific questions may help you determine whether you will benefit from professional help.

• What does UM/UIM cover?
• Should I bundle my homeowners policy with my auto?
• What discounts do I qualify for?
• At what point should I drop full coverage?
• Do I pay less if my vehicle is kept in my garage?
• What companies insure drivers after a DUI or DWI?
• Does medical payments coverage apply to all occupants?
• Do I need medical payments coverage since I have good health insurance?
• Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Get Chevy Colorado Insurance Cheaper

Part of the insurance buying process is learning the rating factors that are used to determine the price you pay for insurance. When consumers understand what impacts premium levels, this allows you to make good choices that could help you find much lower annual insurance costs.

The following are some of the most rate-impacting factors insurance companies consider when setting your rate level.

• Big city or small town – Choosing to live in less populated areas of the country is a good thing when talking about insurance. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims. Residents of big cities tend to have more auto accidents and more severe claims. Spending more time driving means more chances of being involved in an auto accident.

• Responsible drivers have lower costs – Good drivers pay lower auto insurance prices than their less careful counterparts. Having a single speeding ticket can boost insurance rates substantially. People who have serious violations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

  The information below shows how traffic citations and at-fault accidents increase Chevy Colorado car insurance rates for different age groups. The premium estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

• Drive less and pay lower prices – The higher the miles on your Chevy each year the higher the price you pay to insure it. The majority of insurers rate vehicles based upon how much you drive. Autos that are left in the garage can get a lower rate than cars that get driven a lot. It’s a smart idea to ensure your insurance declarations sheet is showing the correct usage. Improper usage on your Colorado can result in significantly higher rates.
• Is you job costing you more? – Do you have a high-stress occupation? Jobs such as fire fighters, business owners, and miners are shown to have the highest rates because of stressful work requirements and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed have the lowest average rates.
• More policies can equal more savings – Lots of insurance companies allow better rates to insureds that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s in your best interest to comparison shop to make sure you are getting the best deal.There is a good possibility that you can save even more than the discount even if you have your coverage with different companies
• Don’t buy extra coverages that may not be needed – There are many extra coverages you can purchase if you don’t pay attention. Add-on coverages like personal injury protection, accidental death, and extra equipment coverage could be just wasting money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.

• With age comes lower premiums – Inexperience drivers are statistically proven to be less responsible when at the wheel of a vehicle and because of this, their insurance rates are much higher. Having to add a young driver onto a policy can cause a big jump in price. Mature drivers have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit.

  The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Physical damage deductibles – Your deductibles define how much you are required to pay in the event of a claim. Physical damage coverage, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims would be colliding with a stationary object, vandalism, and damage from wind. The more you’re willing to pay, the less your company will charge you for insurance.

• Chevy Colorado statistical loss data – Insurance companies analyze past claim statistics to help set a rate to offset losses. Vehicles that have higher loss trends will have higher rates for specific coverages. The table below shows the compiled insurance loss statistics for Chevy Colorado vehicles.

  For each policy coverage type, the loss probability for all vehicles compiled together is considered to be 100. Percentage values below 100 suggest a positive loss record, while values over 100 point to more losses or a tendency for losses to be larger than average.

  
  

  Car Insurance Loss Data for Chevrolet Colorado Models

  Specific Chevrolet Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Colorado Crew Cab 2WD	73	57	64
  Chevrolet Colorado Crew Cab 4WD	90	89	86	67
  Chevrolet Colorado Ext Cab 2WD	55
  Chevrolet Colorado Ext Cab 4WD	67

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance just makes sense

Even though it can be expensive, insurance serves a purpose in several ways.

• Just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Chevy Colorado has a lienholder, most lenders will have a requirement that you have full coverage to protect their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Chevy for a lot more money and require you to fork over a much higher amount than you were paying before.
• Insurance protects both your Chevy Colorado and your assets. It will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your insurance policy will cover the repair costs.

The benefits of having insurance outweigh the cost, particularly for liability claims. But the average driver in Arizona overpays as much as $855 a year so shop around at every policy renewal to ensure rates are competitive.

A conclusion for your car insurance search

We just showed you a lot of ways to get a better price on Chevy Colorado insurance in Chandler. The key concept to understand is the more quotes you get, the better likelihood of getting inexpensive Chandler auto insurance quotes. Drivers may even discover the lowest rates come from a small mutual company. Regional companies often have lower auto insurance rates on specific markets than their larger competitors like Allstate or State Farm.

Discount Chevy Colorado insurance in Chandler can be bought online as well as from independent agents in Chandler, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide price quotes online and usually these smaller companies sell through local independent agents.

Steps to finding discount Chevy Colorado insurance in Chandler

It takes a few minutes, but the best way to get low-cost Chevy Colorado insurance in Chandler is to start doing an annual price comparison from insurers that sell auto insurance in Arizona. This can be done by following these steps.

1. Try to learn about how auto insurance works and the modifications you can make to prevent expensive coverage. Many rating factors that cause high rates like speeding and a negative credit history can be rectified by being financially responsible and driving safely.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide price quotes for many different companies.
3. Compare the new rate quotes to your existing rates and determine if cheaper Colorado coverage is available. If you can save money and buy the policy, make sure there is no lapse in coverage.
4. Tell your current agent or company of your decision to cancel the current policy and submit any necessary down payment along with the completed application to your new insurance company. Once received, place your new certificate verifying proof of insurance along with the vehicle’s registration papers.

A good tip to remember is to use the same deductibles and limits on each quote and and to analyze as many companies as you can. Doing this guarantees the most accurate price comparison and a complete price analysis.

More learning opportunities

• Booster Seat Ratings (iihs.org)
• Who Has the Cheapest Auto Insurance for Business Use in Chandler? (FAQ)
• What is Full Coverage? (Allstate)
• Safety Belts FAQ (iihs.org)