Insurance quote for Chevy Colorado in Colorado SpringsWant to learn how to save money and find the cheapest Chevy Colorado insurance in Colorado Springs? Trying to come up with a payment for expensive car insurance can consume your bank account and force you to prioritize other expenses. Performing a price comparison is a great way to tighten up your finances.

Astonishing but true according to a recent study, a large majority of car insurance policyholders in Colorado have stayed with the same insurance company for at least four years, and nearly the majority have never quoted rates to find cheap coverage. U.S. drivers could save an average of 47% each year by just comparing rate quotes, but they don't understand how simple it is to go online and compare rates. Popular companies such as GEICO, Progressive and Allstate all claim big savings with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

You should take the time to shop coverage around every six months since insurance prices are usually higher with each renewal. Just because you found the lowest quotes on Chevy Colorado insurance in Colorado Springs a year ago you can probably find a lower rate today. Don't believe everything you read about Colorado insurance online, but in this article, you're going to get the easiest ways to find cheap car insurance in Colorado Springs.

How much is Chevy Colorado insurance in Colorado Springs, CO?

Cutting your Colorado Springs car insurance rates is not a difficult process. All that's required is to take time comparing rate quotes from some recommended companies.

It's so easy to compare rates online that it takes the place of having to spend your day driving to local Colorado Springs insurance agencies. Shopping for car insurance online has made agencies unnecessary unless your situation requires the guidance that can only be provided by a licensed insurance agent. It is possible to obtain prices from the web but have a local agent actually write the policy.

The following companies can provide free rate quotes in Colorado Springs, CO. If multiple providers are shown, we recommend you visit several of them to get the best price comparison.

Chevrolet Colorado Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $114 $218 $362 $22 $108 $824 $69
Colorado LT Extended Cab 2WD $184 $416 $456 $28 $136 $1,220 $102
Colorado LT 4WD $240 $412 $308 $18 $92 $1,070 $89
Colorado LT Crew Cab 2WD $256 $536 $358 $22 $108 $1,280 $107
Colorado LT Extended Cab 4WD $300 $448 $392 $24 $118 $1,282 $107
Colorado LT Crew Cab 4WD $214 $362 $304 $18 $92 $990 $83
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in zip code location which can influence premium rates significantly.

How high should deductibles be?

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The tables below illustrate the rate difference when you buy lower versus higher deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price grid 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 $224 $448 $352 $20 $106 $1,175 $98
Colorado LT Extended Cab 2WD $264 $546 $352 $20 $106 $1,313 $109
Colorado LT 4WD $264 $448 $298 $18 $90 $1,143 $95
Colorado LT Crew Cab 2WD $264 $546 $352 $20 $106 $1,313 $109
Colorado LT Extended Cab 4WD $264 $448 $298 $18 $90 $1,143 $95
Colorado LT Crew Cab 4WD $302 $546 $298 $18 $90 $1,279 $107
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Chevrolet Colorado insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $124 $236 $352 $20 $106 $838 $70
Colorado LT Extended Cab 2WD $146 $288 $352 $20 $106 $912 $76
Colorado LT 4WD $146 $236 $298 $18 $90 $788 $66
Colorado LT Crew Cab 2WD $146 $288 $352 $20 $106 $912 $76
Colorado LT Extended Cab 4WD $146 $236 $298 $18 $90 $788 $66
Colorado LT Crew Cab 4WD $168 $288 $298 $18 $90 $862 $72
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific Colorado Springs garaging location which can affect price quotes considerably.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $31 more each month or $372 every year than selecting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 29 months between claims, you would more than likely save some money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): - $71
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important caveat is that raising deductibles means you will have to cover more of the damage yourself when you do file a claim. That will require some extra savings in order to pay the deductible.

Lower rate quotes on Chevy Colorado insurance in Colorado Springs with these discounts

Insuring your fleet can be pricey, but you might find some hidden discounts to reduce the price significantly. Some trigger automatically at quote time, but some must be specifically requested prior to receiving the credit.Car insurance discounts

You can save money using discounts, but most credits do not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, that's just not realistic.

Large car insurance companies and some of the discounts can be read below.

If you need lower rates, check with each company which discounts you may be entitled to. Depending on the company, some discounts may not apply everywhere. For a list of companies with discount rates in Colorado, click this link.

Why you need Chevy vehicle insurance in Colorado

Even though it can be expensive, paying for car insurance is required in Colorado but also provides important benefits.

The benefits of insuring your Colorado more than offset the price you pay, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $820 a year so you should quote your policy with other companies at every renewal to make sure the price is not too high.

Local Colorado Springs insurance agencies

Many people still prefer to go talk to an agent and that is not a bad decision Licensed agents can help you choose the best coverages and give you someone to call. A good thing about getting free rate quotes online is you can get cheap car insurance rates and still buy from a local agent. And supporting neighborhood agents is especially important in Colorado Springs.

After completing this short form, your insurance coverage information gets sent to agents in your area who will give you quotes for your coverage. There is no need to contact any agents as quotes are delivered straight to your inbox. In the event you want to compare prices from a specific insurance company, you would need to jump over to their website and complete a quote there.

When narrowing the list to find an insurance agent, there are a couple of different agency structures from which to choose. Car insurance agents in Colorado Springs are categorized either exclusive or independent (non-exclusive). Both can sell affordable car insurance policies, but it's worth learning the difference in the companies they write for because it can impact buying decisions.

Independent Agencies or Brokers

Independent agencies can sell policies from many different companies and that is an advantage because they can write policies with lots of companies and find you cheaper rates. If your premiums go up, the agent simply finds a different carrier and you don't have to switch agencies.

If you need lower rates, it's recommended you get rate quotes from a couple of independent agencies so that you can do a thorough price comparison.

The following is a partial list of independent insurance agencies in Colorado Springs who may be able to give you free rate quotes.


3485 Academy Blvd N Ste 101 - Colorado Springs, CO 80917 - (719) 599-9494 - View Map


6455 N Union Blvd #104 - Colorado Springs, CO 80918 - (303) 974-7676 - View Map


5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map

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Exclusive Car Insurance Agencies

These agents can only write with one company and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so they have to upsell other benefits. They are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates.

Below are exclusive agents in Colorado Springs who can help you get rate quotes.


2340 Academy Blvd N - Colorado Springs, CO 80909 - (719) 597-4330 - View Map


1045 W Garden of the Gods Rd Ste M - Colorado Springs, CO 80907 - (719) 528-6387 - View Map


1135 E Fillmore St - Colorado Springs, CO 80907 - (719) 570-0707 - View Map

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Deciding on a car insurance agent requires more thought than just the price. Some important questions to ask are: