Auto Insurance Quotes for a Chevy Colorado in Phoenix

Chevy Colorado insurance rates
Chevy Colorado insurance rates image courtesy of QuoteInspector.com

Want to learn how to find low-cost Chevy Colorado insurance in Phoenix? Paying for high-priced Chevrolet Colorado insurance in Phoenix can dwindle your checking account and maybe even restrict other spending.

Insurance quote for Chevy Colorado in PhoenixAmazingly, the vast majority of drivers have been with the same company for a minimum of four years, and 38% of customers have never shopped around. With the average premium in Arizona being $1,600, drivers could save nearly $733 each year just by comparing rates, but most undervalue the large savings they would see if they just switched companies.

Because there are so many options when it comes to car insurance, it's nearly impossible to choose the best insurer.

It is always a good idea to do price comparisons quite often because car insurance prices fluctuate regularly. Despite the fact that you may have had the best quotes on Chevy Colorado insurance in Phoenix a couple years back you will most likely find a better rate today. Ignore everything you know about car insurance because you're going to learn one of the best ways to find better rates and still maintain coverage.

We hope to teach you a little about how to get online quotes and some money-saving tips. If you have a current insurance policy, you will surely be able to reduce premiums using the concepts you're about to learn. Nevertheless, Arizona drivers need to have an understanding of how the larger insurance companies market on the web and use it to your advantage.

When comparison shopping, more quotes increases your odds of finding the best rates.

The companies in the list below offer free rate quotes in Phoenix, AZ. If several companies are displayed, we recommend you visit as many as you can to get the lowest price.

Chevrolet Colorado Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $110 $220 $288 $18 $86 $722 $60
Colorado LT Extended Cab 2WD $174 $386 $282 $16 $84 $942 $79
Colorado LT 4WD $164 $258 $254 $16 $76 $768 $64
Colorado LT Crew Cab 2WD $174 $402 $338 $20 $102 $1,036 $86
Colorado LT Extended Cab 4WD $194 $362 $332 $20 $100 $1,008 $84
Colorado LT Crew Cab 4WD $188 $314 $254 $16 $76 $848 $71
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in zip code location which can increase or decrease premium rates greatly.

How violations and accidents impact rates

The chart below shows how speeding tickets and at-fault collisions raise Chevrolet Colorado insurance premiums for different ages of insureds. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Insurance policy discounts you can't miss

Car insurance is not cheap, but there could be available discounts that many people don't even know exist. Most are applied at the time of quoting, but occasionally some discounts must be inquired about prior to getting the savings.Save money with discounts

A little note about advertised discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn't make money that way. But any discount should help reduce the amount you have to pay.

A list of insurance companies and a summarized list of policyholder discounts are included below.

When quoting, ask every company to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in your state. To find insurance companies with discount insurance rates in Phoenix, click here to view.

Local insurance agents

A lot of people still prefer to buy from a local agent and we recommend doing that One of the best bonuses of getting free rate quotes online is you can get better rates and still buy from a local agent. Buying from local agencies is still important in Phoenix.

To help locate an agent, after submitting this quick form, your insurance data gets sent to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no need to visit any agencies as quotes are delivered to your email. You can find better rates without the usual hassles of price shopping. If you wish to get a rate quote from a specific car insurance provider, feel free to go to their quote page and give them your coverage information.

If you want a reliable insurance agent, it's helpful to know the different types of agents and how they can quote your rates. Insurance agencies in Phoenix can either be exclusive agents or independent agents.

Independent Agents

Independent agencies can quote rates with many companies so they can quote policies with multiple insurance companies and get you the best rates possible. If prices rise, they simply switch companies in-house which is easy for the insured. When searching for an agent, it's a good idea to get quotes from a couple of independent agencies so that you have a good selection of quotes to compare.

Listed below are independent insurance agents in Phoenix that can give you rate quotes.

Travelers Insurance
22601 N 19th Ave #216 - Phoenix, AZ 85027 - (623) 572-0032 - View Map


16815 S Desert Foothills Pkwy #140 - Phoenix, AZ 85048 - (480) 423-3444 - View Map


4411 N 19th Ave - Phoenix, AZ 85015 - (800) 972-1893 - View Map

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Exclusive Car Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. They receive extensive training on their company's products which helps offset the inability to provide other markets.

The following are exclusive agencies in Phoenix that can give you rate quotes.


2218 N 24th St - Phoenix, AZ 85008 - (602) 267-8200 - View Map


9515 W Camelback Rd #134 - Phoenix, AZ 85037 - (602) 234-3426 - View Map


6146 N 35th Ave #103 - Phoenix, AZ 85017 - (602) 242-4141 - View Map

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Finding the right insurance agency requires you to look at more than just the price. Here are some questions you might want to ask.

Insurance Price Influencing Factors

One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that help calculate your policy premiums. If you know what controls the rates you pay, this helps enable you to make changes that can earn you lower insurance prices.

Insurance protects more than just your car

Despite the high cost, insurance is required in Arizona but also provides important benefits.

The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is overpaying more than $869 every year so compare rates every year to make sure the price is not too high.

The best rates come from being thorough

Some insurance companies may not have price quotes online and these regional carriers work with independent insurance agents. Lower-priced Chevy Colorado insurance in Phoenix can be purchased online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates.

We just covered a lot of information how to shop for Chevy Colorado insurance online. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest car insurance rates come from the least-expected company. Smaller companies can often provide lower premium rates in certain areas than their larger competitors like Progressive and GEICO.

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