Compare Chevy Colorado Insurance Rate Quotes in Pittsburgh

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Insurance rates Chevy Colorado in PittsburghIf saving the most money is your goal, then the best way to find affordable quotes for Chevy Colorado insurance is to compare prices annually from providers who provide car insurance in Pittsburgh.

  • Step 1: Take a little time to learn about individual coverages and the measures you can control to prevent high rates. Many risk factors that are responsible for high rates like inattentive driving and a negative credit rating can be rectified by improving your driving habits or financial responsibility.
  • Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and Allstate, while independent agents can give you price quotes from multiple companies. Compare rates
  • Step 3: Compare the new rate quotes to your existing policy and see if there is a cheaper rate. If you find a better price, make sure there is no lapse in coverage.
  • Step 4: Provide written notification to your current company to cancel your current car insurance policy and submit a signed application and payment for the new policy. Once received, store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

A valuable tip to remember is to make sure you enter identical deductibles and limits on each quote request and and to compare as many auto insurance providers as possible. Doing this enables the most accurate price comparison and a better comparison of the market.

Unfortunately, the vast majority of Pennsylvania car insurance customers kept buying from the same company for a minimum of four years, and almost half have never shopped around. American consumers could save themselves up to 46.5% a year by just shopping around, but most undervalue the large savings they would see if they switched to a cheaper policy.

This article's goal is to instruct you on how car insurance quotes work and how to save the most money. If you have insurance now, you should be able to reduce the price you pay using this strategy. Smart buyers just need to use the best way to buy insurance instantly.

The fastest way that we advise to compare car insurance rates for Chevy Colorado insurance in Pittsburgh is to understand car insurance companies participate in a system to compare their rates. The only thing you need to do is spend a couple of minutes providing details such as whether or not you need a SR-22, what your job is, whether you are single or married, and how your vehicles are used. The rating information is sent automatically to many different companies and you should receive rate quotes within a short period of time.

To start a quote now, click here and complete the quick form.

The car insurance companies shown below can provide free rate quotes in Pennsylvania. If your goal is to find the best auto insurance in Pittsburgh, we suggest you click on several of them in order to get a fair rate comparison.

Chevy Colorado insurance coverage information

The coverage information shown next highlights a range of policy rates for Chevy Colorado models. Learning a little about how insurance rates are figured is important for making decisions on which insurance to purchase.

Chevrolet Colorado Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $132 $278 $372 $22 $112 $916 $76
Colorado LT Extended Cab 2WD $154 $338 $372 $22 $112 $998 $83
Colorado LT 4WD $154 $278 $316 $18 $94 $860 $72
Colorado LT Crew Cab 2WD $154 $338 $372 $22 $112 $998 $83
Colorado LT Extended Cab 4WD $154 $278 $316 $18 $94 $860 $72
Colorado LT Crew Cab 4WD $178 $338 $316 $18 $94 $944 $79
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can revise price quotes substantially.

Where to set your deductibles

One of the hardest decisions when shopping for insurance is where should you set your physical damage deductibles. The following insurance rates approximate how much more you'll pay when you select higher and lower physical damage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.

Chevrolet Colorado insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $210 $420 $330 $20 $98 $1,103 $92
Colorado LT Extended Cab 2WD $246 $512 $330 $20 $98 $1,231 $103
Colorado LT 4WD $246 $420 $280 $16 $84 $1,071 $89
Colorado LT Crew Cab 2WD $246 $512 $330 $20 $98 $1,231 $103
Colorado LT Extended Cab 4WD $246 $420 $280 $16 $84 $1,071 $89
Colorado LT Crew Cab 4WD $284 $512 $280 $16 $84 $1,201 $100
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Chevrolet Colorado insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $154 $284 $330 $20 $98 $886 $74
Colorado LT Extended Cab 2WD $180 $346 $330 $20 $98 $974 $81
Colorado LT 4WD $180 $284 $280 $16 $84 $844 $70
Colorado LT Crew Cab 2WD $180 $346 $330 $20 $98 $974 $81
Colorado LT Extended Cab 4WD $180 $284 $280 $16 $84 $844 $70
Colorado LT Crew Cab 4WD $206 $346 $280 $16 $84 $932 $78
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in vehicle location which can revise coverage rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $20 more each month or $240 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 20 months between claim filings, you would probably be better off if you choose the higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $96
Average monthly premium for $500 deductibles (subtract): - $76
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important note is that raising deductibles to save money means you will have to pay more out-of-pocket when you file a claim. That will require enough money stashed away in order to pay more for the deductible.

Chevrolet Colorado insurance rates by gender

The diagram below shows the difference between Chevy Colorado yearly insurance costs for male and female drivers. The premium estimates are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Get Cheap Insurance Costs by Understanding These Factors

Lots of factors are part of the equation when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are less apparent such as whether you are married or your vehicle rating. When buying car insurance it's important to understand the different types of things that go into determining your car insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that can earn you much lower annual insurance costs.

  • Where you live factors in - Living in small towns and rural areas is a good thing when trying to find low car insurance rates. Urban drivers regularly have more road rage incidents and a longer drive to work. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims.
  • Poor credit decisions can cost you - Your credit score is likely to be a major factor in calculating your premium rate. Insureds that have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with bad credit. If your credit score is low, you could be paying less to insure your Chevrolet Colorado by repairing your credit.
  • You might want pay the inexpensive car insurance claims yourself - If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Pennsylvania generally give better rates to drivers that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for larger claims.
  • Put fewer miles on your vehicle - The higher the mileage driven every year the more it will cost to insure it. The majority of insurers apply a rate based on their usage. Cars left parked in the garage qualify for better rates compared to those used for work or business. Ask your agent if your car insurance policy states the correct usage. Incorrect rating for your Colorado can result in significantly higher rates.
  • Insurance losses for a Chevy Colorado - Auto insurance companies analyze past claim statistics to help calculate a profitable premium price. Models that the data shows to have higher losses will have higher premium rates. The information below illustrates the loss history for Chevy Colorado vehicles.

    For each coverage type, the claim probability for all vehicles combined as an average is considered to be 100. Values that are below 100 indicate a favorable loss history, while percentage values above 100 indicate more frequent claims or an increased chance of larger losses than average.

    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

Choosing Chevy vehicle insurance is an important decision

Despite the high cost, buying auto insurance may be required and benefits you in several ways.

  • Almost all states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage in order to be legal. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your vehicle, more than likely the lender will force you to have insurance to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Chevy for a much higher rate and require you to fork over the higher premium.
  • Insurance safeguards both your Chevy and your assets. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying adequate insurance more than cancel out the cost, particularly when you have a large claim. An average driver in America overpays as much as $700 annually so compare quotes from several companies each time the policy renews to save money.