Best Chevy Colorado Insurance in Austin

Do 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.

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.

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.

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.

• Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
• Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than drivers with accidents.
• Early Payment Discounts – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
• Multi-Vehicle Discounts – Buying a policy with all your vehicles on a single policy qualifies for this discount.
• Discount for Home Ownership – Owning a house in Austin can get you a discount because it is proof that your finances are in order.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.

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.

To 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:

• Does the company allow you to choose your own collision repair facility?
• What insurance companies do they recommend if they are an independent agent?
• Is assistance available after office hours?
• How often do they review coverages?
• How many years have they been established?
• Can they give you a list of client referrals?
• How much will you save each year by using a higher deductible?
• Do they specialize in personal lines coverage in Austin?

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.

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.

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.

• Prices may be higher where you live – Residing in a small town can save you money if you are looking for the lowest rates. Fewer drivers means less chance of accidents in addition to lower liability claims Residents of big cities tend to have congested traffic and more severe claims. The longer drive time means more chances of being involved in an auto accident.
• Occupation stress can affect prices – Careers such as fire fighters, business owners and miners tend to have higher premiums than the average policyholder attributed to stressful work requirements and lengthy work days. On the other hand, occupations such as actors, historians and the unemployed pay the least.
• Good drivers pay lower costs – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers pay lower auto insurance prices as compared to those with violations. Even one speeding ticket may increase your cost by as much as thirty percent. Drivers who have careless violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state in order to prevent their license from being revoked.
• Small coverages can add up – There are many additional extra coverages you can purchase when buying car insurance. Insurance for rental car reimbursement, accidental death, and additional equipment coverage may be wasting your money. They may seem good initially, but if you have no use for them consider taking them off your policy.
• Always have car insurance – Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your insurance lapse for non-payment. In addition to paying higher premiums, being ticketed for driving with no insurance might get you a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with the Texas DMV.
• Safer vehicles are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles result in less severe injuries and lower injury rates means less claims paid and cheaper rates on your policy.
• Your credit score is important – Having a bad credit score can be a huge factor in calculating your car insurance rates. Drivers with excellent credit scores tend to file fewer claims than drivers who have bad credit. So if your credit history is lower than you’d like, you may save money insuring your Chevrolet Colorado by taking the time to improve your credit score.
• Insurance loss data for a Chevy Colorado – Auto insurance companies use historical loss data as a way to help calculate a profitable premium price. Vehicles that the data determines to have higher claim amounts or frequency will cost more for coverage.

  The next table shows the insurance loss data used by companies for Chevy Colorado vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of make or model, equals 100. Values under 100 mean the vehicle has better than average losses, while numbers above 100 show a trend for more claims or a tendency for claims to be larger.

  Chevrolet Colorado Insurance Loss Statistics

  Vehicle 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 from IIHS.org for 2013-2015 Model Years

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.

More information is located below:

• Understanding your Policy (NAIC.org)
• Who Has Cheap Austin Auto Insurance Quotes for a Chevrolet Silverado? (FAQ)
• How Much are Auto Insurance Rates for High School Students in Austin? (FAQ)
• Who Has Affordable Austin Auto Insurance Quotes for Active Military? (FAQ)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• Auto Insurance 101 (About.com)