Discount Chevy Colorado insuranceHow long has it been since the last time you looked for cheaper auto insurance rates in Columbia, SC? Columbia drivers have options when trying to find affordable Chevy Colorado insurance. They can either waste time driving around getting price quotes or leverage the internet to compare rates. There are more efficient ways to buy auto insurance and you need to know the absolute fastest way to price shop coverage on a Chevy and get the best price possible from both online companies and Columbia agents.

Unbelievably, most auto insurance policyholders have bought auto insurance from the same company for well over three years, and 38% of customers have never even compared rates from other companies. With the average premium in South Carolina being $1,429, drivers could save roughly $700 each year, but they don't know how much they could save if they switch to a new company.

Best companies for low-cost Chevy Colorado insurance in South Carolina

The companies in the list below are our best choices to provide comparison quotes in Columbia, SC. If multiple companies are shown, we recommend you click on several of them in order to get a fair rate comparison.

Chevrolet Colorado Insurance Price Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $138 $230 $448 $26 $134 $976 $81
Colorado LT Extended Cab 2WD $220 $546 $386 $22 $116 $1,290 $108
Colorado LT 4WD $220 $448 $328 $20 $98 $1,114 $93
Colorado LT Crew Cab 2WD $246 $600 $444 $26 $132 $1,448 $121
Colorado LT Extended Cab 4WD $122 $226 $304 $18 $92 $762 $64
Colorado LT Crew Cab 4WD $162 $280 $290 $18 $86 $836 $70
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can impact premiums noticeably.

Auto insurance deductibles

The diagram below illustrates how your choice of deductibles and can impact Chevrolet Colorado annual premium costs for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Higher deductibles save money

When buying auto insurance, a common question is what deductibles to buy. The rates shown below may help to illustrate the costs and benefits of buying low and high comp and collision deductibles. The first pricing table uses a $250 deductible for physical damage and the second rate table uses a $500 deductible.

Chevrolet Colorado insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $196 $366 $342 $20 $102 $1,051 $88
Colorado LT Extended Cab 2WD $230 $444 $342 $20 $102 $1,163 $97
Colorado LT 4WD $230 $366 $290 $18 $86 $1,015 $85
Colorado LT Crew Cab 2WD $230 $444 $342 $20 $102 $1,163 $97
Colorado LT Extended Cab 4WD $230 $366 $290 $18 $86 $1,015 $85
Colorado LT Crew Cab 4WD $264 $444 $290 $18 $86 $1,127 $94
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Chevrolet Colorado insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $160 $294 $342 $20 $102 $918 $77
Colorado LT Extended Cab 2WD $186 $358 $342 $20 $102 $1,008 $84
Colorado LT 4WD $186 $294 $290 $18 $86 $874 $73
Colorado LT Crew Cab 2WD $186 $358 $342 $20 $102 $1,008 $84
Colorado LT Extended Cab 4WD $186 $294 $290 $18 $86 $874 $73
Colorado LT Crew Cab 4WD $214 $358 $290 $18 $86 $966 $81
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in your specific Columbia location which can raise or lower rates greatly.

Based on the figures above, using a $250 deductible costs about $12 more each month or $144 annually than opting for the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 21 months between claims, you would most likely save money if you decide on a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $91
Average monthly premium for $500 deductibles (subtract): - $79
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One big caveat is that increasing deductibles to lower your rates means you will have to pay more when you have a comprehensive or collision claim. You must have some non-essential savings in order to pay more for the deductible.

These discounts can lower your insurance rates

Some companies don't always advertise the entire discount list in an easy-to-find place, so the following is a list of a few of the more well known as well as the least known credits that may apply to you.Save money with discounts

As is typical with insurance, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

To locate insurance companies who offer online Chevy Colorado insurance quotes in South Carolina, click here to view.

How Insurers Determine Chevy Colorado Insurance Costs

Lots of things are used when pricing auto insurance. Some of the criteria are obvious like an MVR report, but other criteria are not as apparent such as your credit history or your vehicle rating.

The itemized list below are some of the major factors used by insurance companies to determine rates.

Car insurance can be complex

Keep in mind that when it comes to choosing coverage, there really is not a cookie cutter policy. Every situation is different.Car insurance savings

For instance, these questions may help highlight if your situation would benefit from professional advice.

If it's difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance is available from local agents

Some people still like to get advice from a local agent and that is not a bad decision Professional agents can help you choose the best coverages and will help you if you have claims. The best thing about comparing car insurance online is the fact that drivers can get lower rates and still have an agent to talk to.

Insurance agents in ColumbiaTo make it easy to find an agent, after completing this quick form, your coverage information is sent to local insurance agents who will give you quotes for your insurance coverage. It's much easier because you don't need to do any legwork because prices are sent to you directly. If you want to get a comparison quote from a specific company, don't hesitate to jump over to their website and submit a quote form there.

Choosing the best insurance company requires you to look at more than just a cheap price. Below are some questions you should ask.

Listed below are Columbia auto insurance companies that can give you price quotes for Chevy Colorado insurance in Columbia.

More insurance agents

After receiving acceptable answers to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an insurance company that meets the requirements to adequately provide car insurance.

Are auto insurance companies telling the truth?

Consumers in South Carolina get pounded daily by advertisements that claim the lowest rates by GEICO, State Farm and Progressive. All the ads say the same thing that you'll save big if you switch your policy.

How does every auto insurance company say the same thing? Just pay attention to how they say it.

Most companies give the cheapest rates for the type of driver that will generate a profit. A good example of a desirable insured should be between the ages of 30 and 45, has a low-risk occupation, and drives a lower-performance vehicle. Any person that matches those criteria receives the best prices in Columbia as well as save some money.

Drivers who don't measure up to this stringent profile will get a higher premium which leads to the prospect going elsewhere. The ads say "drivers who switch" not "everyone that quotes" save that much when switching. That's why companies can make claims that they all have the best premium rates. Because each company has a different risk profile, it's extremely important to get Columbia car insurance quotes as often as possible. It is just not possible to predict with any certainty which company will have better car insurance rates than you're paying now.

Quote. Compare. Save.

In this article, we presented some good ideas how you can lower your Chevy Colorado insurance prices in Columbia. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even be surprised to find that the lowest priced car insurance comes from the smaller companies.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, denial of a claim, lack of trust in their agent or even not issuing a premium refund. Regardless of your reason, finding a great new company is not as difficult as it may seem.

As you quote Columbia car insurance, do not buy poor coverage just to save money. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

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