Best Chevy Colorado Insurance in Austin

Insurance quote for Chevy Colorado in AustinDo you want to save money by finding more competitive Chevy Colorado insurance in Austin? Having to pay for high-priced Chevrolet Colorado insurance in Austin can stress out your personal savings and make it impossible to make ends meet. Doing a rate comparison can be a smart way to cut your insurance bill.

It’s hard to fathom, but the vast majority of consumers kept their coverage with the same auto insurance company for at least four years, and almost 40% of drivers have never shopped around. Austin drivers could pocket roughly $1,770 a year just by shopping around, but they don’t want to take the time to find affordable auto insurance rates.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s a good idea to get comparison quotes on a regular basis because auto insurance prices change quite often. Just because you found the best quotes on Chevy Colorado insurance in Austin a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the best way to lower your annual insurance bill.

The quickest method to compare policy rates for Chevy Colorado insurance in Austin is to take advantage of the fact most insurance companies participate in a system to give free rates quotes. To get started, all you need to do is provide the companies a bit of rating information including driver details, if you went to college, if you have a valid license, and which vehicles you own. Your insurance information is instantly submitted to insurance carriers in your area and you should receive rate quotes very quickly.

To check Chevy Colorado insurance prices now, click here and enter the information requested.

The following companies have been selected to offer free rate quotes in Austin, TX. If multiple companies are listed, it’s highly recommended you visit several of them to find the most affordable car insurance rates.

Chevrolet Colorado Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $116 $252 $400 $24 $120 $912 $76
Colorado LT Extended Cab 2WD $136 $322 $430 $26 $128 $1,042 $87
Colorado LT 4WD $260 $448 $334 $20 $100 $1,162 $97
Colorado LT Crew Cab 2WD $222 $504 $366 $22 $110 $1,224 $102
Colorado LT Extended Cab 4WD $202 $322 $330 $20 $98 $972 $81
Colorado LT Crew Cab 4WD $202 $384 $438 $26 $130 $1,180 $98
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in specific zip code location which can change insurance rates substantially.

Yearly auto insurance costs for men versus women

The diagram below visualizes the comparison of Chevrolet Colorado annual premium costs for male and female drivers. The premium estimates are based on no claims or driving citations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.

Where to set your deductibles

One frequently asked question is which deductibles should you choose. The following insurance rates lay out how much more rates are between low and high policy deductibles. The first rate quote example uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Chevrolet Colorado insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $244 $486 $382 $22 $114 $1,273 $106
Colorado LT Extended Cab 2WD $286 $592 $382 $22 $114 $1,421 $118
Colorado LT 4WD $286 $486 $324 $20 $96 $1,237 $103
Colorado LT Crew Cab 2WD $286 $592 $382 $22 $114 $1,421 $118
Colorado LT Extended Cab 4WD $286 $486 $324 $20 $96 $1,237 $103
Colorado LT Crew Cab 4WD $328 $592 $324 $20 $96 $1,385 $115
Get Your Own Custom Quote Go

Chevrolet Colorado insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $136 $256 $382 $22 $114 $910 $76
Colorado LT Extended Cab 2WD $158 $312 $382 $22 $114 $988 $82
Colorado LT 4WD $158 $256 $324 $20 $96 $854 $71
Colorado LT Crew Cab 2WD $158 $312 $382 $22 $114 $988 $82
Colorado LT Extended Cab 4WD $158 $256 $324 $20 $96 $854 $71
Colorado LT Crew Cab 4WD $182 $312 $324 $20 $96 $934 $78
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific location which can influence auto insurance rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $34 more each month or $408 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 26 months between claim filings, you would come out ahead if you decide on a higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $111
Average monthly premium for $1,000 deductibles (subtract): – $77
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

Deductible comparison

The diagram below highlights how deductible selection and can increase or decrease Chevrolet Colorado annual premium costs for different categories of driver ages. Data assumes a married female driver, full coverage, and no policy discounts are applied.

Lower-cost Austin car insurance quotes with discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be inquired about prior to receiving the credit. If they aren’t giving you every credit possible, you are paying more than you should be.Save money with discounts

Don’t be shocked that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.

To see car insurance companies offering car insurance discounts in Texas, click this link.

Exclusive and independent car insurance agents

A small number of people just prefer to get professional advice from a licensed agent and doing that can be a smart decision One of the best bonuses of getting online price quotes is the fact that drivers can get the best rates but also keep your business local.

Insurance agency in AustinTo help locate an agent, after submitting this short form, your insurance data is emailed to companies in Austin who will gladly provide quotes and help you find cheaper coverage. You won’t need to search for an agent because prices are sent immediately to your email address. You can find better rates and work with a local agent. If you have a need to get a comparison quote for a specific company, you would need to search and find their rate quote page and complete a quote there.

Finding the right provider shouldn’t rely on just a low price. These are valid questions to ask:

Choose an insurance agent wisely

When researching a good insurance agency, there are two types of insurance agents and how they differ in how they can insure your vehicles. Agents can be categorized as either exclusive agents or independent agents.

Exclusive Agents

Exclusive agencies work for only one company such as AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Listed below are exclusive insurance agencies in Austin that can give you price quote information.

1910 W Braker Ln #400Austin, TX 78758(512) 837-8825View Map

4534 West Gate Blvd #202Austin, TX 78745(512) 327-0303View Map

12710 Research Blvd #210Austin, TX 78759(512) 258-2231View Map

More Austin agents

Independent Agents

Independent agencies often have many company appointments so as a result can place your coverage with many different companies and help determine which has the cheapest rates. If they find a lower price, your agent can switch companies which is easy for the insured.

If you are comparing car insurance prices, we highly recommend that you contact independent agents in order to have the best price comparison.

Shown below are independent agencies in Austin that can give you price quotes.

4011 S 1st StAustin, TX 78745(512) 443-9700View Map

824 W 10th StAustin, TX 78701(512) 472-6969View Map

1115 San Jacinto BlvdAustin, TX 78701(512) 476-6281View Map

More Austin agents

Educated Choices Result in Lower Insurance Costs

Multiple criteria are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but other factors are more obscure like your continuous coverage or your commute time. Smart consumers have a good feel for some of the elements that go into determining your policy premiums. When you understand what influences your rates, this helps enable you to make changes that can earn you lower car insurance prices.

Car insurance just makes sense

Despite the potentially high cost of Chevy Colorado insurance, car insurance may be required for several reasons.

First, almost all states have minimum liability requirements which means the state requires a specific minimum amount of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Chevy Colorado, more than likely the lender will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the bank may buy a policy for your Chevy at a more expensive rate and force you to reimburse them for the expensive policy.

Third, car insurance protects your Chevy and your assets. It will also pay for medical expenses incurred in an accident. Liability insurance also covers legal expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance more than cancel out the cost, especially with large liability claims. The average driver in America overpays as much as $865 each year so smart consumers compare quotes each time the policy renews to help ensure money is not being wasted.

Be persistent and save

You just learned some good ideas how to find cheap Chevy Colorado insurance in Austin. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from the least-expected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

There are still a few companies who may not have online price quotes and usually these smaller providers only sell coverage through independent insurance agents. Low-cost Chevy Colorado insurance in Austin is possible from both online companies and also from your neighborhood Austin agents, and you should compare price quotes from both to get a complete price analysis.

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