Want cheaper auto insurance rates for your Chevrolet Colorado? I can’t think of a single person who anticipates paying for auto insurance, especially knowing they could find better prices if they shop around. Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.
Most larger insurance companies allow you to get coverage price quotes directly from their websites. Obtaining pricing doesn’t take a lot of time because you just enter your required coverages as detailed in the form. After the form is submitted, the company’s rating system will order your credit score and driving record and generates a price. Online price quotes makes it easy to compare insurance prices but having to visit multiple sites and type in your information is a big time waster. But it is imperative to do this if you want to get the lowest insurance rates.
Rate comparisons made easy
A better way to get multiple rate quotes makes use of a single form that obtains quotes from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons much easier. Immediately after you send the form, it is quoted and you can choose any one of the returned quotes. If you find a better price you simply finish the application and purchase coverage. It can be completed in a matter of minutes and you will find out if you’re overpaying now.
In order to use this form to compare rates, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you enter the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will be getting a price comparison for exact coverage.
When it comes to buying the best insurance coverage, there is no single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.
Collision – Collision insurance pays for damage to your Colorado resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, colliding with a tree, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.
Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things like theft, a broken windshield, damage from a tornado or hurricane and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Medical costs insurance – Med pay and PIP coverage kick in for expenses for things like prosthetic devices, nursing services, surgery, doctor visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Liability coverage – Liability coverage can cover injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things like emergency aid, structural damage, attorney fees, court costs and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.
UM/UIM Coverage – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Colorado.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.