Insurance rates Chevy Colorado in EvansvilleFinding cheaper insurance for a Chevy Colorado in Indiana can turn out to be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to shop for insurance and we'll show you the absolute fastest way to quote coverages for a Chevy and obtain the best price possible.

Surprisingly, a recent survey revealed that almost 70% of drivers kept buying from the same company for four years or more, and 38% of drivers have never quoted rates to find cheaper coverage. With the average insurance premium being $1,400, Indiana drivers could cut their rates by almost 55% a year, but they don't want to take the time to shop around.

Get cheaper Chevy Colorado insurance rates in Evansville

Car insurance companies don't necessarily list every available discount very clearly, so the list below gives a summary of both the well known and also the more inconspicuous discounts you could be receiving when you buy Evansville car insurance online.

You should keep in mind that some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Just because you may think it's possible to get free car insurance, you're out of luck.

To choose insurance companies with discount auto insurance rates in Evansville, click here to view.

The easiest way to compare insurance rates from multiple companies is to know the fact all the major auto insurance companies have advanced systems to provide you with free rate quotes. All you need to do is provide a little information such as if you have an active license, if you require a SR-22, what you do for a living, and the ages of drivers. Your details is instantly sent to all major companies and you will receive price estimates very quickly.

If you wish to get multiple quotes for your Chevy Colorado now, click here and complete the form.

The providers in the list below are ready to provide price comparisons in Evansville, IN. If the list has multiple companies, it's highly recommended you click on several of them to get the lowest price.

Chevrolet Colorado Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $86 $186 $318 $18 $94 $702 $59
Colorado LT Extended Cab 2WD $170 $362 $380 $22 $114 $1,048 $87
Colorado LT 4WD $106 $174 $246 $14 $74 $614 $51
Colorado LT Crew Cab 2WD $150 $340 $340 $20 $102 $952 $79
Colorado LT Extended Cab 4WD $134 $188 $312 $18 $94 $746 $62
Colorado LT Crew Cab 4WD $240 $450 $322 $20 $96 $1,128 $94
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in Evansville location which can change coverage rates noticeably.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The rates below approximate the rate fluctuation when you select higher and lower deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Chevrolet Colorado insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $180 $358 $280 $16 $84 $943 $79
Colorado LT Extended Cab 2WD $210 $436 $280 $16 $84 $1,051 $88
Colorado LT 4WD $210 $358 $238 $14 $72 $917 $76
Colorado LT Crew Cab 2WD $210 $436 $280 $16 $84 $1,051 $88
Colorado LT Extended Cab 4WD $210 $358 $238 $14 $72 $917 $76
Colorado LT Crew Cab 4WD $242 $436 $238 $14 $72 $1,027 $86
Get Your Own Custom Quote Go
Chevrolet Colorado insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $100 $188 $280 $16 $84 $668 $56
Colorado LT Extended Cab 2WD $116 $230 $280 $16 $84 $726 $61
Colorado LT 4WD $116 $188 $238 $14 $72 $628 $52
Colorado LT Crew Cab 2WD $116 $230 $280 $16 $84 $726 $61
Colorado LT Extended Cab 4WD $116 $188 $238 $14 $72 $628 $52
Colorado LT Crew Cab 4WD $134 $230 $238 $14 $72 $688 $57
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in vehicle garaging location which can revise coverage rates greatly.

We can estimate from the data above that using a $100 deductible costs approximately $25 more each month or $300 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 36 months between claim filings, you would probably save some money if you elect the higher deductible.

How accidents and violations affect rates in Evansville

The information below demonstrates how speeding tickets and at-fault accidents can drive up Chevrolet Colorado insurance premiums for each different age category. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Why Smart Buyers Pay Less for Chevy Colorado Insurance

An important part of buying insurance is that you know the factors that are used to determine the level of your policy premiums. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

Do you save by driving less? - The more miles you rack up on your Chevy every year the more you'll pay to insure your vehicle. A lot of insurance companies apply a rate partially by how you use the vehicle. Cars and trucks that are left in the garage receive lower rates compared to those used for work or business. Having the wrong rating on your Colorado can cost quite a bit. Ask your agent if your vehicle rating states the right rating data, because improper ratings can cost you money.

Does your employer raise your rates? - Jobs like military generals, police officers, and emergency personnel usually pay higher premiums than the average policyholder due to stressful work requirements and lots of time spent away from family. On the flip side, jobs like professors, engineers and retirees have the lowest average rates.

Better prices on cars with good safety ratings - Cars with high safety ratings get lower rates. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company passed on to you as lower rates.

Fast cars cost more to insure - The performance of the car you need to insure makes a huge difference in your premium level. The cheapest insurance rates are generally reserved for low performance passenger cars, but the final cost of insurance is determined by many other factors. Due to the fact that the Chevrolet Colorado is classified as a pickup truck, insuring your vehicle will cost similar in price as compared to the average rate in Evansville.

Continuous coverage saves money - Allowing your coverage to lapse will be a fast way to drive up your policy premiums. Not only will you pay higher rates, failure to provide proof of insurance could earn you fines and jail time.

Chevy Colorado insurance loss data - Auto insurance companies study historical loss data when they calculate premium costs for each model. Models that the data determines to have high amounts or severity of claims will cost more to insure.

The next table illustrates the actual insurance loss data for Chevy Colorado vehicles. For each policy coverage, the loss probablilty for all vehicles, as an average, is equal to 100. Values that are below 100 represent a good loss history, while numbers above 100 point to more losses or larger claims.

Chevrolet Colorado Insurance Claim Statistics

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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance is unique, just like you

Always remember that when buying the right insurance coverage for your vehicles, there really isn't a "perfect" insurance plan. Your needs are unique to you and a cookie cutter policy won't apply. For example, these questions may help highlight if your situation may require specific advice.

If you don't know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

Compare prices but buy from a neighborhood Evansville auto insurance agent

A small number of people just prefer to get advice from a local agent and that can be a great decision Professional insurance agents will help you protect your assets and help submit paperwork. One of the benefits of getting online price quotes is you may find the best rates and still have an agent to talk to. Supporting local insurance agencies is important especially in Evansville.

Find insurance agent in EvansvilleUpon completion of this form (opens in new window), the coverage information is submitted to agents in your area who will give you bids to get your business. You won't even need to drive around as quotes are delivered straight to your inbox. If you have a need to compare rates from one company in particular, just visit that company's website and complete a quote there.

What type of Evansville car insurance agent is right for you?

If you are searching for a reliable insurance agent, there are a couple of types of insurance agents and how they operate. Insurance agents in Evansville can be categorized as either exclusive or independent (non-exclusive). Both sell and service insurance coverage, but it is a good idea to know how they are different since it may influence your selection of an agent.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company and that gives them the ability to insure through lots of different companies and help determine which has the cheapest rates. If premiums increase, your agent can just switch to a different company and you won't have to switch agencies. When comparing insurance rates, you should always get rate quotes from a couple of independent agencies to ensure the widest selection of prices. They also have the ability to place coverage with small mutual carriers which can be an advantage.

Shown below is a small list of independent agencies in Evansville who may provide free price quotes.

View more Evansville agents

Exclusive Insurance Agents

These agents are contracted to one company such as Allstate, State Farm and Farmers Insurance. These agents are not able to compare rates from other companies so keep that in mind. These agents are usually well trained on sales techniques which aids in selling service over price. Consumers often choose to use an exclusive agent partially due to loyalty to the company rather than low price.

Listed below are exclusive agents in Evansville that can give you comparison quotes.

View more Evansville agents

Picking the best insurance agent requires more thought than just a cheap price quote. These are some questions you should get answers to.

After you get positive feedback and cheaper Colorado insurance quotes, it's a good possibility that you have found a car insurance agent that meets the criteria to service your policy. Just be aware that policyholders can cancel coverage any time you want so don't think you're contractually obligated to the insurance policy with no way to switch.

Here's why car insurance is not optional

Despite the potentially high cost of Chevy Colorado insurance, buying car insurance is mandatory in Indiana but it also protects more than you think.

The benefits of having car insurance more than cancel out the cost, especially if you ever need it. The average driver in America overpays more than $810 a year so compare rates at every policy renewal to make sure the price is not too high.

One last thing to lower rates

When searching for cheaper Evansville car insurance quotes, make sure you don't buy less coverage just to save a little money. Too many times, an insured dropped liability limits or collision coverage only to regret that it was a big error on their part. Your goal should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

We covered a lot of tips how to get a better price on Chevy Colorado insurance in Evansville. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with a small local company. These smaller insurers often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

Discount Chevy Colorado insurance in Evansville can be bought from both online companies and also from your neighborhood Evansville agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide the ability to get a quote online and these smaller companies work with independent insurance agents.

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