Save Money on Chevy Colorado Insurance in Long Beach

Discount Chevy Colorado insuranceTruthfully, the best way to find low-cost auto insurance rates is to compare quotes once a year from companies in Long Beach. Price quotes can be compared by following these steps.

  1. Take a few minutes and learn about the different coverages in a policy and the changes you can make to keep rates in check. Many rating criteria that are responsible for high rates like high-risk driving behaviors and a poor credit score can be amended by making minor changes to your lifestyle.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple sources. Click to view companies
  3. Compare the price quotes to your existing policy to see if a cheaper rate is available. If you can save money and switch companies, make sure coverage is continuous and does not lapse.

One key aspect of rate comparisons is to use the same liability limits and deductibles on every quote and and to look at as many different companies as possible. This provides the most accurate price comparison and plenty of rates choose from.

It’s astonishing, but almost 70% of drivers have been with the same company for well over three years, and almost half have never shopped around. Long Beach insurance shoppers could save an average of roughly 35% each year by just comparing quotes, but they don’t believe how much savings they would realize if they replace their high priced policy.

Analysis of coverages

The information displayed below highlights different insurance prices for Chevy Colorado models. Having insight into how insurance prices are determined helps drivers make smart choices when selecting a policy.

Chevrolet Colorado Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $120 $246 $416 $24 $124 $930 $78
Colorado LT Extended Cab 2WD $142 $300 $416 $24 $124 $1,006 $84
Colorado LT 4WD $142 $246 $354 $20 $106 $868 $72
Colorado LT Crew Cab 2WD $142 $300 $416 $24 $124 $1,006 $84
Colorado LT Extended Cab 4WD $142 $246 $354 $20 $106 $868 $72
Colorado LT Crew Cab 4WD $162 $300 $354 $20 $106 $942 $79
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in specific Long Beach garaging location which can raise or lower prices considerably.

Should you raise deductibles?

When shopping for auto insurance, a common question is what deductibles to buy. The data tables below determine the rate difference between low and high coverage deductibles. The first table uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Chevrolet Colorado insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $254 $472 $442 $26 $132 $1,351 $113
Colorado LT Extended Cab 2WD $298 $576 $442 $26 $132 $1,499 $125
Colorado LT 4WD $298 $472 $376 $22 $112 $1,305 $109
Colorado LT Crew Cab 2WD $298 $576 $442 $26 $132 $1,499 $125
Colorado LT Extended Cab 4WD $298 $472 $376 $22 $112 $1,305 $109
Colorado LT Crew Cab 4WD $342 $576 $376 $22 $112 $1,453 $121
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Chevrolet Colorado insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $156 $298 $442 $26 $132 $1,054 $88
Colorado LT Extended Cab 2WD $184 $362 $442 $26 $132 $1,146 $96
Colorado LT 4WD $184 $298 $376 $22 $112 $992 $83
Colorado LT Crew Cab 2WD $184 $362 $442 $26 $132 $1,146 $96
Colorado LT Extended Cab 4WD $184 $298 $376 $22 $112 $992 $83
Colorado LT Crew Cab 4WD $210 $362 $376 $22 $112 $1,082 $90
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in garaging location in Long Beach which can change coverage rates greatly.

Based on the above data, using a $250 deductible costs approximately $28 more each month or $336 every year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 27 months between claims, you would save more money if you opt for a higher deductible.

The example below illustrates how choosing a deductible and can change Chevy Colorado insurance rates for different age groups. The price estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

Irresponsible driving raises your rates

The example below demonstrates how citations and at-fault accidents can influence Chevy Colorado insurance rates for each age group. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Car insurance coverage information

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for prosthetic devices, X-ray expenses, hospital visits, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your Colorado resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Colorado in order to get cheaper collision rates.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 15/30/5 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income, bail bonds and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible. California state minimum liability requirements are 15/30/5 but you should think about purchasing better liability coverage.

The illustration below shows why minimum state limits may not provide you with enough coverage.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many California drivers carry very low liability coverage limits (15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Find affordable rates by being thorough

Lower-priced auto insurance in Long Beach can be sourced on the web as well as from independent agents in Long Beach, and you should compare rates from both so you have a total pricing picture. Some insurance providers may not offer internet price quotes and these small, regional companies sell through independent agents.

In this article, we covered a lot of tips how to shop for Chevy Colorado insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the most savings is with some of the smallest insurance companies. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as Progressive and GEICO.

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