Affordable Chevy Colorado Insurance in Chandler

Insurance rates Chevy Colorado in ChandlerNo 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.Cheaper car insurance with discounts

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.

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.

Chevrolet Colorado Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $166 $362 $390 $24 $116 $1,058 $88
Colorado LT Extended Cab 2WD $194 $442 $390 $24 $116 $1,166 $97
Colorado LT 4WD $194 $362 $332 $20 $100 $1,008 $84
Colorado LT Crew Cab 2WD $194 $442 $390 $24 $116 $1,166 $97
Colorado LT Extended Cab 4WD $194 $362 $332 $20 $100 $1,008 $84
Colorado LT Crew Cab 4WD $222 $442 $332 $20 $100 $1,116 $93
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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.

Chevrolet Colorado insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $172 $320 $300 $18 $90 $925 $77
Colorado LT Extended Cab 2WD $202 $390 $300 $18 $90 $1,025 $85
Colorado LT 4WD $202 $320 $254 $16 $76 $893 $74
Colorado LT Crew Cab 2WD $202 $390 $300 $18 $90 $1,025 $85
Colorado LT Extended Cab 4WD $202 $320 $254 $16 $76 $893 $74
Colorado LT Crew Cab 4WD $232 $390 $254 $16 $76 $993 $83
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Chevrolet Colorado insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $140 $258 $300 $18 $90 $806 $67
Colorado LT Extended Cab 2WD $164 $314 $300 $18 $90 $886 $74
Colorado LT 4WD $164 $258 $254 $16 $76 $768 $64
Colorado LT Crew Cab 2WD $164 $314 $300 $18 $90 $886 $74
Colorado LT Extended Cab 4WD $164 $258 $254 $16 $76 $768 $64
Colorado LT Crew Cab 4WD $188 $314 $254 $16 $76 $848 $71
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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.

Insurance agency in ChandlerBy 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.

2500 N Alma School RdChandler, AZ 85224(480) 855-7000View Map

2231 E Pecos Rd #2Chandler, AZ 85225(480) 634-5222View Map

333 N Dobson Rd #160Chandler, AZ 85224(480) 525-8846View Map

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.

930 East Riggs Road Ste B7Chandler, AZ 85249(480) 961-3951View Map

7050 W Chandler BlvdChandler, AZ 85226(480) 961-4884View Map

3165 S Alma School Rd Ste 27Chandler, AZ 85248(480) 855-0665View Map

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.

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.Insurance savings
These are some specific questions may help you determine whether you will benefit from professional help.

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.

Insurance just makes sense

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

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.

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