How many times have you said it’s time to compare low-cost Chevy Colorado insurance in Aurora? Trying to find cheaper insurance for a new or used Chevy Colorado in Colorado could be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to find auto insurance online and you need to know the proper way to quote coverages for your Chevy and locate the lowest possible price from Aurora insurance agents and online providers.
It’s a good habit to take a look at other company’s rates yearly because prices change quite often. Despite the fact that you may have had the best quotes on Chevy Colorado insurance in Aurora two years ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about Colorado insurance out there, but I’m going to show you some guaranteed methods to slash your auto insurance rates in Aurora.
Buying the cheapest car insurance in Aurora can initially seem challenging. If you’re already insured or just want cheaper coverage, you can use these techniques to find the best rates and still get good coverage. Vehicle owners just need to use the most effective way to get comparison rates using one simple form.
Lowering your Chevy Colorado auto insurance rates is actually easier than you may think. The only requirement is to take a few minutes comparing price quotes from online providers.
The companies in the list below can provide price quotes in Aurora, CO. To locate the cheapest auto insurance in CO, we recommend you compare several of them to get the best price comparison.
Chevy Colorado insurance charts and tables
The information shown next outlines different coverage prices for Chevy Colorado models. Being able to understand how insurance prices are calculated can assist in making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $224 | $462 | $474 | $28 | $142 | $1,330 | $111 |
| Colorado LT Extended Cab 2WD | $262 | $562 | $474 | $28 | $142 | $1,468 | $122 |
| Colorado LT 4WD | $262 | $462 | $404 | $24 | $120 | $1,272 | $106 |
| Colorado LT Crew Cab 2WD | $262 | $562 | $474 | $28 | $142 | $1,468 | $122 |
| Colorado LT Extended Cab 4WD | $262 | $462 | $404 | $24 | $120 | $1,272 | $106 |
| Colorado LT Crew Cab 4WD | $302 | $562 | $404 | $24 | $120 | $1,412 | $118 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in specific Aurora garaging location which can revise auto insurance rates substantially.
The example below highlights how deductible choice and can raise or lower Chevy Colorado insurance prices for each different age group. The premiums assume a single male driver, full coverage, and no discounts are factored in.
Components of Your Chevy Colorado Insurance Prices
Consumers need to have an understanding of the rating factors that go into determining your policy premiums. When you understand what impacts premium levels, this enables you to make decisions that could result in big savings.
More than one policy can earn a discount – Most insurers will award better rates to people who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, it’s always a smart idea to comparison shop to guarantee you are still saving the most. Drivers may still save even more by insuring with multiple companies.
Stay claim-free and save money – If you are a frequent claim filer, don’t be surprised to see higher premiums or even policy non-renewal. Auto insurance companies in Colorado provide the best rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
Driver age impacts rates – Youthful drivers in Colorado are proven to be less responsible when at the wheel of a vehicle so they pay higher auto insurance rates. Adding a teenage driver to your auto insurance policy can really hurt. Older insureds have been proven to be more responsible, tend to file fewer claims, and usually have better credit.
The following data is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Good drivers pay less – Being a careful driver has a big impact on rates. Even one speeding ticket or other violation can bump up the cost to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance than their less careful counterparts. Drivers with flagrant citations like reckless driving or DUI may find they need to submit a SR-22 form with their state in order to drive a vehicle legally.
The example below highlights how traffic violations and at-fault fender-benders can increase Chevy Colorado yearly insurance costs for different age groups of insureds. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.
Safeguard your assets with liability coverage – A critical coverage on your policy, liability insurance will protect you when you are found liable for physical damage or personal injury to other. Liability provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
Never let your auto insurance policy expire – Having a lapse in insurance coverage is a fast way to increase your renewal premiums. Not only will rates go up, being ticketed for driving with no insurance could result in a revoked license or a big fine.
Excellent credit saves on auto insurance – Having a bad credit score can be an important factor in determining what you pay for auto insurance. So if your credit rating is not that good, you could save money insuring your Chevrolet Colorado if you clean up your credit. Drivers with high credit scores tend to be more responsible and file fewer claims as compared to drivers with bad credit.
Insurance loss probability for a Chevy Colorado – Car insurance companies include the past claim history for a vehicle to help determine the rate you pay. Models that statistically have higher frequency or amount of claims will cost more for specific coverages.
The table below shows the actual insurance loss data for Chevy Colorado vehicles. For each type of coverage, the claim probability for all vehicles averaged together is considered to be 100. Values that are 100 or less are indicative of better than average losses, while percentage numbers above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.
| 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 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Choosing vehicle insurance is an important decision
Despite the high cost of buying insurance for a Chevy Colorado in Aurora, maintaining insurance is required in Colorado but it also protects you in many ways.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a lienholder, it’s guaranteed your bank will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you default on your policy, the lender may insure your Chevy at a significantly higher premium and require you to pay much more than you were paying before.
- Insurance safeguards not only your car but also your assets. It will also pay for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, your auto insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. Today the average American driver is currently overpaying as much as $810 a year so you should quote and compare rates at every renewal to save money.
What is the best car insurance company in Colorado?
Picking a good quality company can be rather challenging considering how many companies sell coverage in Aurora. The company rank data shown below can help you pick which companies you want to consider comparing prices from.
Top 10 Aurora Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate