Best Rate Quotes for Chevy Colorado Insurance in Mesa

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Anyone knows that car insurance companies want to keep your business as long as possible. Drivers who get comparison quotes at least once a year are highly likely to buy a new policy because there is a significant possibility of finding lower rate quotes. A recent survey revealed that consumers who did price comparisons regularly saved about $860 a year as compared to drivers who never compared other company's rates.

If finding the cheapest price for Chevy Colorado insurance in Mesa is your goal, understanding the best ways to find and compare coverage rates can make it easier to shop your coverage around.

Insurance quote for Chevy Colorado in MesaIt takes a little time, but the best way to get affordable Chevy Colorado insurance in Mesa is to do an annual price comparison from insurers who provide auto insurance in Arizona.

  • Step 1: Try to understand auto insurance and the things you can change to keep rates in check. Many risk factors that result in higher prices like speeding tickets, accidents and a poor credit rating can be remedied by making small lifestyle or driving habit changes. Continue reading for the details to help keep rates affordable and find available discounts that you may qualify for.
  • Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers.
  • Step 3: Compare the price quotes to the premium of your current policy and see if you can save money. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
  • Step 4: Provide adequate notice to your current company to cancel your existing policy. Submit any necessary down payment along with the completed application to your new carrier. Once the application is submitted, store the certificate verifying proof of insurance in your vehicle's glove compartment or console.

One bit of advice is to try to use the same deductibles and limits on every quote request and to quote with every company you can. This guarantees a fair price comparison and a complete selection of prices.

Finding the cheapest auto insurance coverage in Mesa is quite easy if you know the best way to do it. If you have insurance now or just want to reduce your rates, use these tips to get lower rates without reducing protection. Consumers just have to use the fastest way to compare price quotes online.

Cutting your Mesa insurance rates is not a difficult process. Consumers just need to take time comparing rate quotes to discover which company has inexpensive Mesa car insurance quotes.

Comparing free rate quotes online is easy and it, makes it a waste of time to physically go to different Mesa agent offices. Quoting and buying Chevy Colorado insurance online eliminates the middleman unless you prefer the professional guidance that can only be provided by a licensed insurance agent. You can, however, comparison shop online but purchase the actual policy in an agency.

The following companies are our best choices to provide free quotes in Mesa, AZ. If your goal is to find the best car insurance in Arizona, it's a good idea that you click on several of them to get the best price comparison.

Car insurance data for a Chevy Colorado

The price information displayed below showcases different insurance coverage prices for Chevy Colorado models. Being aware of how rate quotes are calculated is important for making informed coverage decisions.

Chevrolet Colorado Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $212 $470 $404 $24 $122 $1,232 $103
Colorado LT Extended Cab 2WD $250 $574 $404 $24 $122 $1,374 $115
Colorado LT 4WD $250 $470 $344 $20 $102 $1,186 $99
Colorado LT Crew Cab 2WD $250 $574 $404 $24 $122 $1,374 $115
Colorado LT Extended Cab 4WD $250 $470 $344 $20 $102 $1,186 $99
Colorado LT Crew Cab 4WD $286 $574 $344 $20 $102 $1,326 $111
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in Mesa location which can modify coverage rates considerably.

Physical damage deductibles: Should you raise them?

One common question asked by Mesa drivers is which deductible level should you buy. The data tables below may help to conceptualize how much more you'll pay between low and high physical damage coverage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Chevrolet Colorado insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $192 $382 $300 $18 $90 $1,007 $84
Colorado LT Extended Cab 2WD $224 $466 $300 $18 $90 $1,123 $94
Colorado LT 4WD $224 $382 $254 $16 $76 $977 $81
Colorado LT Crew Cab 2WD $224 $466 $300 $18 $90 $1,123 $94
Colorado LT Extended Cab 4WD $224 $382 $254 $16 $76 $977 $81
Colorado LT Crew Cab 4WD $258 $466 $254 $16 $76 $1,095 $91
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Chevrolet Colorado insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $106 $202 $300 $18 $90 $716 $60
Colorado LT Extended Cab 2WD $124 $246 $300 $18 $90 $778 $65
Colorado LT 4WD $124 $202 $254 $16 $76 $672 $56
Colorado LT Crew Cab 2WD $124 $246 $300 $18 $90 $778 $65
Colorado LT Extended Cab 4WD $124 $202 $254 $16 $76 $672 $56
Colorado LT Crew Cab 4WD $144 $246 $254 $16 $76 $736 $61
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in vehicle location which can influence insurance rates significantly.

We can estimate from the data above that using a $100 deductible costs approximately $27 more each month or $324 for a full year averaged for all Colorado models than quoting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 33 months between claims, you would save more money if you elect the higher deductible. The numbers below show the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $88
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

The chart below illustrates how choosing a deductible and can affect Chevy Colorado insurance premiums for different categories of driver ages. The data assumes a married male driver, full coverage, and no additional discounts are factored in.

Age, gender, and Chevrolet Colorado insurance

The illustration below compares Chevy Colorado insurance premiums for male and female drivers. The data is based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no additional discounts are factored in.

Difference between full coverage and liability only rates

The information below shows the comparison of Chevy Colorado insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied.

When to stop buying physical damage coverage

There is no exact formula of when to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's pretend your Chevy Colorado replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your deductible. If you are paying in excess of $800 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not a good plan. If you haven't satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Auto insurance can get complicated

When quoting and choosing adequate coverage, there really isn't a one-size-fits-all type of policy. Each situation is unique and your auto insurance should be unique as well.Drive safe and save Here are some questions about coverages that might help in determining if you could use an agent's help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my babysitter drive my car?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to a rental car in a foreign country?
  • Is there coverage for my trailer?
  • Are my friends covered when driving my Chevy Colorado?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Buying auto insurance from Mesa insurance agents

Some consumers prefer to get professional advice from a licensed agent and that is not a bad decision Good insurance agents are very good at helping people manage risk and give you someone to call. A nice benefit of price shopping on the web is that you can obtain lower rates and still buy from a local agent.

By using this quick form, your coverage information is submitted to companies in Mesa that can give you free Mesa car insurance quotes to get your business. You won't need to drive around as quotes are delivered instantly to you. If you want to get a price quote for a specific company, just go to their quote page and give them your coverage information.

Deciding on a company shouldn't rely on just a cheap price quote. Here are some questions you might want to ask.

  • Do they specialize in personal lines auto insurance in Mesa?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Does the agency provide any after hours assistance?
  • Does the agency have a current Errors and Omissions policy?
  • Are they properly licensed to sell insurance in Arizona?

The following are agents in Mesa that can give you price quote information for Chevy Colorado insurance in Mesa.

Pete Rivera - State Farm Insurance Agent
104 W Main St - Mesa, AZ 85201 - (480) 964-1766 - View Map

1819 E Southern Ave, Ste E20 - Mesa, AZ 85204 - (480) 888-0318 - View Map

1046 E McKellips Rd - Mesa, AZ 85203 - (480) 926-0388 - View Map

2045 S Vineyard #152 - Mesa, AZ 85210 - (480) 820-2020 - View Map

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