Lower Your 2012 Chevrolet Colorado Insurance Quotes

Shoppers have many options when shopping for the lowest priced Chevy Colorado insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and we’ll show you the quickest way to compare rates for a new or used Chevy and obtain the best price possible from both online companies and local agents.

It’s a good idea to do rate comparisons on a regular basis since insurance rates change quite often. Just because you had the lowest rate on Colorado coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.

Compare quotes for insurance coverage

Reducing your 2012 Chevy Colorado insurance rates is an easy way to save money. All you need to do is invest a few minutes comparing rates to see which company has the cheapest insurance quotes. Rate comparisons can be done by using one of the methods below.

  • If you are pressed for time, the simplest way to get the best comparison quotes is a comparison rater form click to view form in new window. This method prevents you from having to do boring form submissions to each individual insurance coverage company. Completing one form compares rates from insurance coverage companies with the best prices. Just one form and you’re done.
  • A more time consuming way to find better pricing consists of visiting each company’s website and repeat the quote process. For instance, we’ll assume you want to see prices from USAA, Progressive and Liberty Mutual. To get each rate you have to go to every website and punch in your information repeatedly, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, try to use the same deductibles and coverage limits with every price quote. If you enter differing limits it will be next to impossible to make an equal comparison.

Do I need special coverages?

When buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • When should I drop full coverage on my 2012 Chevy Colorado?
  • Should I waive the damage coverage when renting a car?
  • What exactly is covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • When should I buy a commercial auto policy?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Insurance coverage specifics

Understanding the coverages of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, nursing services and pain medications. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, hitting a bird, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Colorado from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, crashing into a ditch, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, emergency aid, court costs, attorney fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.