Chevy Colorado Insurance Quotes in Sacramento

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Insurance for Chevy ColoradoIf you want to save the most money, the best way to get the cheapest auto insurance rates in Sacramento is to start comparing prices yearly from companies in California.

  1. Spend some time learning about how auto insurance works and the modifications you can make to lower rates. Many rating factors that are responsible for high rates such as traffic violations and a negative credit rating can be amended by making lifestyle changes or driving safer.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes from many different companies.
  3. Compare the quotes to your existing policy and determine if cheaper Colorado coverage is available. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
  4. Provide written notification to your current company of your decision to cancel your current auto insurance policy. Submit the completed application along with a down payment to your new carrier. Once coverage is bound, put the new certificate of insurance with the vehicle registration.

An important part of this process is to make sure you're comparing the same liability limits and deductibles on every price quote and and to get price quotes from as many companies as feasibly possible. This enables the most accurate price comparison and a thorough selection of prices.

Anyone knows that car insurance companies want to keep your business as long as possible. People who shop around for a cheaper policy will, in all likelihood, switch companies because there are good odds of finding a lower rate. Surprisingly, a recent survey revealed that drivers who routinely shopped around saved over $850 each year compared to drivers who never compared rates.

If finding the cheapest rates on Chevy Colorado insurance in Sacramento is your intention, then understanding how to find companies and compare insurance rates can save time, money, and frustration.

If you currently have insurance, you will definitely be able to reduce premiums using these tips. The purpose of this article is to help educate you on how to effectively get price quotes and some money-saving tips. Although California vehicle owners do need to learn how the larger insurance companies market on the web because rates are impacted by many factors.

All the larger auto insurance companies make it easy to get coverage price quotes on their websites. Getting online rates for Chevy Colorado insurance in Sacramento is easy for anyone as all you need to do is type in your coverage information as detailed in the form. Upon sending the form, the company's rating system will order credit information and your driving record and gives you a price quote based on the information you submitted.

Getting online rate quotes for Chevy Colorado insurance in Sacramento makes it simple to compare prices and it's absolutely necessary to do this if you are searching for lower-cost auto insurance pricing.

To use this form to compare rates, take a look at the companies shown below. If you have your current policy handy, we recommend you copy the limits and deductibles identical to your current policy. This way, you're receiving a price comparison for similar coverage.

The companies in the list below have been selected to offer quotes in California. To locate the cheapest car insurance in Sacramento, we recommend you click on several of them to find the most competitive auto insurance rates.

Cheaper Chevy Colorado insurance in Sacramento

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of quoting, but occasionally some discounts must be asked for in order for you to get them.Cheaper auto insurance with discounts

  • Government Employee Discount - Active or former government employment could cut as much as 10% off with a few auto insurance companies.
  • Professional Organizations - Joining certain professional organizations can get you a small discount when getting a Sacramento car insurance quote.
  • E-sign Discounts - Some of the larger companies may give you up to $50 for signing up on your computer.
  • Low Miles Discount - Low mileage vehicles can earn lower premium rates on the low mileage vehicles.
  • One Accident Forgiven - Not a discount per se, but some insurance companies will turn a blind eye to one accident before raising your premiums if you are claim-free prior to the accident.
  • Service Members Pay Less - Being on active deployment in the military could mean lower prices.

As a footnote on discounts, most credits do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won't be that lucky. But any discount should help lower your policy premiums.

The information below visualizes the comparison of Chevy Colorado insurance prices with and without discounts applied to the policy premium. The data is based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, claim-free, multi-policy, and safe-driver discounts applied.

A partial list of companies that may offer policyholders most of the discounts above possibly include:

If you are trying to find affordable Sacramento car insurance quotes, ask every company what discounts are available to you. Some credits might not be available to policyholders in your area. To see companies that have a full spectrum of discounts in Sacramento, follow this link.

Rates and other information

The rate information displayed below showcases estimates of insurance policy prices for Chevy Colorado models. Having a better idea how insurance policy rates are formulated can assist in making decisions on the best policy coverages.

Chevrolet Colorado Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $152 $292 $450 $26 $134 $1,054 $88
Colorado LT Extended Cab 2WD $178 $354 $450 $26 $134 $1,142 $95
Colorado LT 4WD $178 $292 $384 $22 $114 $990 $83
Colorado LT Crew Cab 2WD $178 $354 $450 $26 $134 $1,142 $95
Colorado LT Extended Cab 4WD $178 $292 $384 $22 $114 $990 $83
Colorado LT Crew Cab 4WD $204 $354 $384 $22 $114 $1,078 $90
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in your specific Sacramento location which can alter rates substantially.

Raise deductibles and save

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The tables below approximate the rate difference of buying low and high physical damage deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second data table uses a $500 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
Get Your Own Custom Quote Go
Chevrolet Colorado insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $206 $382 $442 $26 $132 $1,188 $99
Colorado LT Extended Cab 2WD $242 $464 $442 $26 $132 $1,306 $109
Colorado LT 4WD $242 $382 $376 $22 $112 $1,134 $95
Colorado LT Crew Cab 2WD $242 $464 $442 $26 $132 $1,306 $109
Colorado LT Extended Cab 4WD $242 $382 $376 $22 $112 $1,134 $95
Colorado LT Crew Cab 4WD $278 $464 $376 $22 $112 $1,252 $104
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific location information which can modify rates considerably.

Based on the above data, using a $250 deductible will cost you roughly $15 more each month or $180 a year averaged for all Colorado models than selecting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 17 months between claim filings, you would save money if you opt for a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $117
Average monthly premium for $500 deductibles (subtract): - $102
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you have a physical damage claim. You need to make sure you have enough savings in the event you have to pay more for the deductible.

The chart below illustrates how your choice of deductibles and can raise or lower Chevy Colorado yearly insurance costs for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Difference between full coverage and liability only rates

The chart below compares Chevy Colorado insurance costs with liability coverage only compared to full coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There isn't a steadfast formula that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Chevy Colorado replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If it's costing you more than $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some situations where removing full coverage is not financially feasible. If you haven't satisfied your loan, you have to keep full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Sacramento Insurance Costs are Influenced by These Factors

A large part of saving on insurance is knowing the factors that aid in calculating your premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that can earn you lower premium levels.

Listed below are some of the things that factor into your prices.

  • Teen drivers are expensive to insure - Older people are shown to be more cautious, tend to cause fewer accidents, and are safer drivers. Young drivers are statistically shown to be inattentive when driving and because of this, their insurance rates are much higher.

    The chart below uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Lower premiums with theft deterrents - Buying a car that has an advanced theft prevention system can help lower your premiums. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • What are your coverage deductibles? - The deductibles you choose define how much you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be rear-ending another vehicle, vandalism, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.
  • Pay more for higher performance vehicles - The performance level of the vehicle you are insuring makes a significant difference in your premium level. The most favorable rates will generally be found on lower performance four cylinder passenger models, but there are many factors that impact the final cost.

    The chart below uses these variables: married female driver age 50, full coverage with $500 deductibles, and no discounts or violations. The data compares Chevrolet Colorado rates compared to other vehicles that have different performance risks.

  • Bad drivers pay high premiums - Drivers with clean records pay less for auto insurance than bad drivers. Even one citation could increase your next policy renewal by as much as thirty percent. Drivers who have gotten dangerous violations like DUI or willful reckless driving might be required by their state to submit a SR-22 form with their state in order to prevent a license revocation.

    The chart below illustrates how violations and accidents can impact Chevy Colorado insurance costs for each different age category. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

  • Gals tend to cost less - Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Both genders have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

    The example below illustrates the difference between Chevy Colorado insurance prices for male and female drivers. The premiums assume a clean driving record, no claims, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

  • Claim-free discounts can add up - If you tend to file frequent claims, you can pretty much guarantee higher rates. Companies in California award the best rates to people who only file infrequent claims. Your insurance policy is intended to be relied upon for larger claims.
  • Fewer miles means better prices - The higher the mileage driven each year the more you'll pay to insure it. A lot of insurance companies charge rates determined by how the vehicle is used. Vehicles not used for work or commuting can be on a lower rate level than vehicles that are driven to work every day. Having an incorrect usage rating on your Colorado can cost quite a bit. It's a smart idea to ensure your insurance declarations sheet is showing the right rating data.
  • Chevy Colorado insurance loss data - Auto insurance companies analyze historical claim data to calculate a price that will offset losses. Models that tend to have higher loss trends will cost more for coverage.

    The data below shows the historical insurance loss data for Chevy Colorado vehicles. For each policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, equals 100. Percentage numbers below 100 suggest a better than average loss history, while values that are above 100 indicate more frequent losses or an increased likelihood of larger losses.

    Chevrolet Colorado Insurance Claim Statistics
    Make and 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
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years