2010 Chevrolet Colorado Car Insurance Quotes – 9 Tricks for Best Rates

Looking for better insurance coverage rates for your Chevrolet Colorado? Finding cheap insurance coverage on the internet can seem to be difficult for people who are new to price shopping online. With a ridiculous number of insurers to choose from, how can you possibly compare every company to locate the lowest price available?

It’s important to compare rates quite often due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the best price on Colorado coverage last year the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

The best way to compare car insurance rates is to realize auto insurance companies will pay a fee to give free rates quotes. The only thing you need to do is provide a small amount of information such as if you went to college, how many miles driven, if the vehicle is leased, and level of coverage desired. Your details is submitted instantly to many different companies and they provide comparison quotes very quickly.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage companies such as Progressive, Allstate and GEICO regularly use ads in print and on television. They all seem to make an identical promise that you’ll save big if you move to their company. But how can every company make the same claim? This is how they do it.

Different companies are able to cherry pick for the right customer they prefer to insure. An example of a profitable customer could be between 25 and 40, has no prior claims, and has a short commute. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who are not a match for the requirements will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much. That’s the way companies can truthfully state the savings. That is why drivers must get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest Chevy Colorado insurance rates.

Discounts are available to cut your rates

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known ways to save on insurance coverage.

  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Colorado coverage than drivers with accidents.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Passive Restraints – Factory air bags can qualify for discounts of more than 20%.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Colorado coverage depending on your company.
  • Club Memberships – Belonging to certain professional organizations may earn a discount on insurance coverage on Colorado coverage.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Companies who might offer these money-saving discounts include:

Check with each insurance company which discounts they offer. Some discounts may not be available in your area.

Everyone needs different coverages

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Should I buy full coverage?
  • Is my ex-spouse still covered by my policy?
  • Do I need an umbrella policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Which companies will insure high-risk drivers?
  • Am I covered if I crash into my own garage door?
  • What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.


Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as structural damage, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, dental work, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage covers damage to your Colorado from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, damage from getting keyed and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

More quotes. Lower rates.

When trying to cut insurance costs, never buy less coverage just to save a little money. Too many times, someone sacrificed physical damage coverage and learned later that it was a big mistake. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service and even unfair underwriting practices. Whatever your reason, finding a new company can be pretty painless.

You just learned many ideas to lower your 2010 Chevy Colorado insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with the smaller companies.

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