Cheap Insurance for a Chevy Colorado in San Diego

Scraping up a payment for pricey Chevrolet Colorado insurance in San Diego can sap your savings account and maybe even restrict other spending. Performing a price comparison is a fast and free way to make ends meet.

Insurance for Chevy ColoradoUnfortunately, about 70% of customers have purchased from the same company for over three years, and virtually 40% of consumers have never compared rates with other companies. Many drivers in the U.S. can cut their rates by almost $859 a year just by shopping around, but most just don’t grasp the actual amount they would save if they switched.

You have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, too many choices makes it more difficult to find a good deal for Chevy Colorado insurance in San Diego.

Our goal in writing this article familiarize you with how auto insurance companies operate. If you have coverage now, you stand a good chance to be able to get lower rates using the concepts covered in this article. But California drivers can benefit from knowing how the larger insurance companies sell online and apply this information to your search.

Companies offering Chevy Colorado insurance in San Diego

The companies shown below can provide price quotes in California. If multiple companies are shown, we recommend you visit several of them to find the most affordable car insurance rates.

Chevrolet Colorado Insurance Rate Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $134 $306 $500 $30 $150 $1,120 $93
Colorado LT Extended Cab 2WD $340 $576 $578 $34 $174 $1,702 $142
Colorado LT 4WD $288 $464 $384 $22 $114 $1,272 $106
Colorado LT Crew Cab 2WD $158 $354 $500 $30 $150 $1,192 $99
Colorado LT Extended Cab 4WD $208 $374 $394 $24 $118 $1,118 $93
Colorado LT Crew Cab 4WD $272 $534 $454 $26 $136 $1,422 $119
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in San Diego which can modify coverage rates noticeably.

Price comparison of only insuring for liability

The information below shows the comparison of Chevrolet Colorado premium costs when comparing full coverage to liability only. Data assumes no claims or driving violations, $250 deductibles, single male driver, and no discounts are factored in.

When to stop buying full coverage

There is no set guideline for dropping comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s say your Chevrolet Colorado replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after paying your policy deductible. If you are currently paying more than $700 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Lower-cost Chevy Colorado insurance in San Diego

Insuring your fleet can be pricey, but you might be missing out on some discounts to reduce the price significantly. Certain reductions will be credited when you complete an application, but once in a while a discount must be specifically requested prior to receiving the credit. If you’re not getting every credit possible, you are just wasting money.Discount insurance

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.

The best insurance companies and some of the discounts include:

Check with every company which discounts you may be entitled to. A few discounts may not be offered in San Diego. To choose companies with significant discounts in San Diego, click here.

Why Your Insurance Rates might be higher

Many things are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, although others are less apparent such as your credit history and annual miles driven.

How do I know if I need professional advice?

When selecting a policy, there really isn’t a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that.Safe vehicles cost less to insure
For example, these questions could help you determine whether you might need professional guidance.

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

What if I want to buy from local San Diego insurance agencies?

Many drivers would prefer to buy from a licensed agent and doing that can be a smart decision The best thing about comparing rate quotes online is that you can obtain the lowest rates and still buy from a local agent. Buying insurance from small agencies is definitely important in San Diego.

Insurance agency in San DiegoTo help locate an agent, after submitting this form (opens in new window), your insurance coverage information is submitted to local insurance agents that can give you free San Diego car insurance quotes to get your business. You won’t even need to contact any insurance agencies because quoted prices will be sent to the email address you provide. You can find lower rates without requiring a lot of work. If you have a need to quote rates from a specific insurance company, you just need to go to their quote page and fill out the quote form the provide.

Finding a good insurer needs to be determined by more than just the quoted price. Agents should be asked these questions:

Affordable rates are available

You just read a lot of information how to get a better price on Chevy Colorado insurance in San Diego. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may even discover the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When you buy San Diego car insurance online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced collision coverage and found out when filing a claim that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.

To learn more, take a look at the resources below: