Chevy Colorado insurance policy image courtesy of QuoteInspector.com
How long have you put off shopping around for low-cost Chevy Colorado insurance in Seattle? Finding low cost Chevy Colorado insurance in Seattle is always frustrating for drivers who are beginners to comparing rates online. Consumers have so many different companies and agents to choose from that it can easily become a real challenge to find the lowest price on Chevy Colorado insurance.
It's hard to fathom, but most insurance policyholders have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never compared rates with other companies. With the average premium in Washington being $1,200, drivers could save themselves up to $430 a year by just shopping around, but they don't know the big savings they would realize if they replace their high priced policy.
Pricing the lowest cost policy in Seattle is easy if you know what you're doing. Basically, every car owner who shops for car insurance will be able to find better rates. Although Washington car owners can benefit from knowing how insurance companies market on the web because it can help you find the best coverage.
Lower-cost Chevy Colorado insurance in Seattle
Companies do not advertise their entire list of discounts in a way that's easy to find, so the list below gives a summary of some of the best known and also the lesser-known credits available to you.
- Discount for New Cars - Putting insurance on a new Colorado can save you some money compared to insuring an older model.
- Distant Student - Kids who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
- Military Discounts - Being deployed with a military unit could mean lower prices.
- Student Discounts - Being a good student can earn a discount of 20% or more. This discount can apply until age 25.
- Theft Deterrent System - Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
- Fewer Miles Equal More Savings - Keeping the miles down on your Chevy could be rewarded with discounted premium rates on garaged vehicles.
- Club Memberships - Being in qualifying clubs or civic groups could trigger savings on your next insurance statement.
- Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you may have a lower total premium amount.
- No Claims - Insureds who avoid accidents and claims can earn big discounts in comparison to accident-prone drivers.
As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it doesn't quite work that way.
A partial list of companies who might offer most of these discounts include:
When comparing rates, check with every company which credits you are entitled to. Discounts might not apply everywhere. For a list of insurance companies with significant discounts in Seattle, follow this link.
When quoting car insurance, remember that comparing more rates from different companies helps increase your odds of locating the best offered rates.
The auto insurance companies shown below are ready to provide free rate quotes in Washington. If several companies are displayed, we suggest you visit several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $118 | $262 | $334 | $20 | $100 | $834 | $70 |
| Colorado LT Extended Cab 2WD | $190 | $434 | $384 | $22 | $114 | $1,144 | $95 |
| Colorado LT 4WD | $146 | $234 | $258 | $16 | $78 | $732 | $61 |
| Colorado LT Crew Cab 2WD | $152 | $318 | $278 | $16 | $82 | $846 | $71 |
| Colorado LT Extended Cab 4WD | $120 | $228 | $304 | $18 | $90 | $760 | $63 |
| Colorado LT Crew Cab 4WD | $168 | $284 | $258 | $16 | $78 | $804 | $67 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific location which can lower or raise coverage prices significantly.
How violations and accidents impact rates
The diagram below shows how violations and accident claims can impact Chevrolet Colorado car insurance costs for different categories of driver ages. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Chevrolet Colorado insurance premiums by gender
The information below illustrates the comparison of Chevrolet Colorado car insurance rates for male and female drivers. The data assumes no claims, a clean driving record, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Smart Buyers Know How to Buy Car Insurance at a Discount
Many different elements are taken into consideration when premium rates are determined. Some are obvious like your driving record, but others are more obscure such as whether you are married or your financial responsibility.
Drive less and get lower premiums - The more you drive your Chevy annually the more you'll pay to insure it. Most insurance companies calculate rates based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. An incorrectly rated Colorado may be wasting your money. Make sure your policy properly reflects the right rating data.
Insurance rates for married couples - Being married may save some money on your car insurance policy. It may mean you are more mature than a single person and it's proven that married drivers tend to have fewer serious accidents.
Guys pay more for insurance - Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Both genders are responsible for at-fault accidents at about the same rate, but the males tend to have higher claims. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
Small claims can cost you - Car insurance companies in Washington provide the lowest premiums to insureds who do not file claims often. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is intended for more catastrophic claims.
Avoid tickets and save - How you drive can have a huge impact on auto insurance premiums. Only having one ticket can boost insurance rates by as much as twenty percent. Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Drivers who get serious tickets such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
Better rates on safer vehicles - Cars with five star safety ratings tend to have better insurance rates. Vehicles built for safety result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims which can mean better rates for you. If your Chevy Colorado is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
Liability preserves assets - The liability coverage on your policy kicks in if ever you are responsible for physical damage or personal injury to other. Your policy's liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Raise comp and collision deductibles and save - Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your Chevy. Some instances where coverage would apply would be a dented fender, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more expense you pay before a claim is paid (deductible), the less your company will charge you for insurance.
Chevy Colorado insurance loss statistics - Insurance companies analyze past claim statistics to calculate a price that will offset losses. Vehicles that the statistics show to have higher claim frequency or loss amount will be charged more to insure.
The table shown below demonstrates the actual insurance loss data for Chevy Colorado vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers that are below 100 are indicative of better than average losses, while values that are 100 or greater indicate more frequent losses or statistically larger losses.
Insurance Loss Ratings for Chevrolet Colorado Vehicles
| Specific Chevrolet 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 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Your car insurance coverage should be tailored to you
When it comes to coverage online or from an agent, there really is no single plan that fits everyone. Every insured's situation is different.
For instance, these questions may help highlight if your insurance needs might need professional guidance.
- Why am I required to buy liability insurance?
- I don't drive much so do I pay less?
- Does medical payments coverage apply to all occupants?
- What is roadside assistance coverage?
- What does PIP insurance cover?
- Does insurance cover damages from a DUI accident?
- What are good deductibles for a Chevy Colorado?
- What does medical payments cover?
If you can't answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form.
Buying from car insurance agents
Certain consumers still like to talk to an insurance agent and that is a personal choice. A nice benefit of comparing rate quotes online is you may find cheap rate quotes but still work with a licensed agent. And providing support for neighborhood agents is important particularly in Seattle.
To find an agent, once you fill out this simple form, the coverage information is transmitted to companies in Seattle that give free quotes for your coverage. You won't even need to find an agent on your own because prices are sent to you. You can find better rates and work with a local agent. If you need to get a rate quote from a specific car insurance provider, don't hesitate to visit that company's website and give them your coverage information.
Finding the right insurance company is decision based upon more than just a cheap price quote. Here are some questions you should ask.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do the coverages you're quoting properly cover your vehicle?
- What insurance companies do they recommend if they are an independent agent?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which family members are covered?
Once you have answers to your satisfaction to any questions you have as well as inexpensive Chevrolet Colorado insurance in Seattle quotes, chances are good that you have found an insurer that meets your needs to insure your vehicles. Just remember you are entitled to cancel your coverage whenever you choose to so don't feel you are locked into a policy indefinitely.
Why auto insurance is not optional
Even though Seattle Colorado insurance rates can get expensive, insuring your vehicle is a good idea for several reasons.
First, most states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, almost all lenders will stipulate that you carry insurance to ensure they get paid if you total the vehicle. If the policy lapses, the lender may insure your Chevy at an extremely high rate and make you pay a much higher amount than you were paying before.
Third, auto insurance preserves not only your car but also your financial assets. It will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance outweigh the cost, particularly if you ever have a claim. But the average driver in Washington is wasting up to $855 a year so it's recommended you shop around every year to help ensure money is not being wasted.
Cheaper coverage is out there
When trying to cut insurance costs, it's very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped full coverage to discover at claim time that the savings was not a smart move. Your objective should be to get the best coverage possible at the best cost, but don't skip important coverages to save money.
We've covered many ways to find affordable Chevy Colorado insurance in Seattle. The key concept to understand is the more quotes you get, the better chance you'll have of finding low cost Seattle auto insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a small local company.
Low-cost Chevy Colorado insurance in Seattle can be bought from both online companies and from local insurance agents, and you should compare rates from both to have the best selection. A few companies do not offer rates over the internet and usually these smaller companies provide coverage only through local independent agents.
Even more information is located by following these links:
- All About Airbag Safety (State Farm)
- Who Has the Cheapest Seattle Car Insurance for Teenage Females? (FAQ)
- Who Has Cheap Seattle Car Insurance for Immigrants? (FAQ)
- Who Has Cheap Seattle Auto Insurance for Inexperienced Drivers? (FAQ)
- What Auto Insurance is Cheapest in Seattle, Washington? (FAQ)
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Vehicle Safety Ratings (iihs.org)
- Winter Driving (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)