Truthfully, the best way to get cheaper auto insurance rates is to do an annual price comparison from insurers that insure vehicles in San Francisco.
Step 1: Try to learn about how auto insurance works and the things you can change to prevent high rates. Many policy risk factors that drive up the price like accidents, traffic tickets, and poor credit history can be eliminated by being financially responsible and driving safely.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for many different companies.
Step 3: Compare the quotes to your current policy premium to see if a cheaper price is available. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your current coverage. Submit a down payment along with a completed application to the new company. Once coverage is bound, place the new certificate verifying coverage in your vehicle’s glove compartment or console.
A good tip to remember is to use identical coverage information on every price quote and and to get price quotes from as many companies as feasibly possible. Doing this ensures a fair price comparison and a complete price analysis.
Everyone knows that car insurance companies don’t want you to look for a cheaper policy. Drivers who shop around annually are likely to move their business because the odds are good of finding coverage at a more affordable price. A recent study showed that drivers who regularly compared price quotes saved an average of $860 a year compared to those who never compared prices.
If finding the cheapest rates on Chevy Colorado insurance in San Francisco is why you’re reading this, then having a good understanding how to shop for coverage rates can help you succeed in finding affordable rates.
How to compare San Francisco Chevy Colorado insurance rate quotes
Most larger insurance companies like State Farm and Allstate give pricing directly from their websites. Obtaining pricing for Chevy Colorado insurance in San Francisco is pretty easy because it’s just a matter of typing in your coverage information on the page. Once entered, the system pulls credit information and your driving record and returns a price quote based on the data you entered. Using the web to get rate quotes for Chevy Colorado insurance in San Francisco helps simplify price comparisons, and it is important to compare as many rates as possible if you are searching for the lowest payment.
To quickly find out how much you can save on insurance, compare rates from the companies below. To compare your current rates, we recommend you input deductibles and limits identical to your current policy. This way, you are getting a rate comparison based on identical coverages.
The auto insurance companies shown below are ready to provide free rate quotes in California. If several companies are displayed, we suggest you compare several of them to find the cheapest auto insurance rates.
Insurance coverage details
The premium table shown next highlights a range of rate quotes for Chevy Colorado models. Being more informed about how policy rates are figured can be of help when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $174 | $366 | $596 | $36 | $178 | $1,350 | $113 |
| Colorado LT Extended Cab 2WD | $204 | $446 | $596 | $36 | $178 | $1,460 | $122 |
| Colorado LT 4WD | $204 | $366 | $508 | $30 | $152 | $1,260 | $105 |
| Colorado LT Crew Cab 2WD | $204 | $446 | $596 | $36 | $178 | $1,460 | $122 |
| Colorado LT Extended Cab 4WD | $204 | $366 | $508 | $30 | $152 | $1,260 | $105 |
| Colorado LT Crew Cab 4WD | $234 | $446 | $508 | $30 | $152 | $1,370 | $114 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in your specific San Francisco location which can revise auto insurance rates greatly.
The illustration below demonstrates how deductibles and can impact Chevy Colorado insurance prices for each different age category. The costs are based on a single male driver, full coverage, and no other discounts are factored in.
Males versus Females
The information below illustrates the difference between Chevy Colorado car insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, full coverage, $500 deductibles, single marital status, and no discounts are applied.
Auto insurance does more than just protect your car
Despite the potentially high cost of Chevy Colorado insurance, auto insurance is not optional due to several reasons.
- Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage if you don’t want to risk a ticket. In California 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 your Chevy Colorado has a lienholder, most banks will have a requirement that you carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Chevy at an extremely high rate and force you to pay for it.
- Auto insurance protects your Chevy and your assets. It will also cover many types of medical costs that are the result of an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of having insurance definitely exceed the price paid, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays more than $865 each year so it’s recommended you shop around every year to be sure current rates are still competitive.
Coverages available on your policy
Learning about specific coverages of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.
Uninsured and underinsured coverage – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy Colorado.
Since many California drivers only carry the minimum required liability limits (15/30/5 in California), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.
Liability insurance – This provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which stand for $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things like court costs, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.
The next chart demonstrates why low liability limits may not be adequate.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as surgery, hospital visits, chiropractic care, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, scraping a guard rail, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your Colorado to save money on collision insurance.
Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from flooding, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Find cheap rates by comparing often
As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are too many instances where someone dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.
Some insurance providers do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through independent agencies. Lower-priced Chevy Colorado insurance in San Francisco is possible from both online companies and also from your neighborhood San Francisco agents, so you need to compare both to have the best chance of lowering rates.
We covered many ways to lower your Chevy Colorado insurance car insurance rates in San Francisco. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding low cost San Francisco auto insurance quotes. You may even find the most savings is with a company that doesn’t do a lot of advertising. Smaller companies often have lower premium rates on specific markets than their larger competitors like State Farm or Progressive.
Much more information about insurance in California is available on the following sites:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- Who Has the Cheapest Car Insurance Rates with Multiple Speeding Tickets in San Francisco? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in San Francisco? (FAQ)
- How Much are San Francisco Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)