Discount Chevy Colorado insuranceDo you want to save money by buying more affordable Chevy Colorado insurance in Henderson? Sick and tired of sacrificing other expenses to pay high auto insurance rates every month? You are no different than most other consumers in Nevada.

A recent study revealed that most consumers in Nevada kept their policy with the same company for at least the last four years, and practically 40% of auto insurance customers have never compared rate quotes at all. Consumers in the United States could cut their rates by roughly $859 a year just by getting comparison quotes, but they just assume it's a time-consuming process to compare rate quotes online. Many car insurance companies compete for your insurance dollar, so it's not easy to compare every company and get the definite lowest rate on Chevy Colorado insurance in Henderson.

You should make it a habit to compare prices once or twice a year because insurance rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates on Chevy Colorado insurance in Henderson a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to learn the easiest way to get good coverage on Chevy Colorado insurance in Henderson at a lower rate.

If you have coverage now or just want cheaper coverage, you will benefit by learning to find better prices without reducing coverage. Buying affordable insurance in Henderson can be easy if you know a few tricks. You only need to know how to shop for insurance instantly.

Cheap companies for Chevy Colorado insurance

The auto insurance companies shown below provide free quotes in Henderson, NV. If multiple companies are listed, we suggest you click on several of them to get the most affordable price.

Chevrolet Colorado Insurance Cost Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $86 $176 $296 $18 $88 $664 $55
Colorado LT Extended Cab 2WD $110 $248 $348 $20 $104 $830 $69
Colorado LT 4WD $132 $226 $252 $14 $76 $700 $58
Colorado LT Crew Cab 2WD $204 $462 $372 $22 $112 $1,172 $98
Colorado LT Extended Cab 4WD $100 $176 $252 $14 $76 $618 $52
Colorado LT Crew Cab 4WD $186 $366 $340 $20 $102 $1,014 $85
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific location information which can influence rates substantially.

Rate increases following a ticket or accident

The illustration below shows how traffic citations and at-fault accidents can drive up Chevrolet Colorado car insurance costs for different ages of insureds. The rates are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.

Raise deductibles and save

When buying auto insurance, a common question is how high should your deductibles be. The data tables below lay out the costs and benefits when you choose different coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Chevrolet Colorado insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $176 $330 $308 $18 $92 $949 $79
Colorado LT Extended Cab 2WD $208 $402 $308 $18 $92 $1,053 $88
Colorado LT 4WD $208 $330 $262 $16 $78 $919 $77
Colorado LT Crew Cab 2WD $208 $402 $308 $18 $92 $1,053 $88
Colorado LT Extended Cab 4WD $208 $330 $262 $16 $78 $919 $77
Colorado LT Crew Cab 4WD $238 $402 $262 $16 $78 $1,021 $85
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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 $110 $208 $308 $18 $92 $736 $61
Colorado LT Extended Cab 2WD $128 $252 $308 $18 $92 $798 $67
Colorado LT 4WD $128 $208 $262 $16 $78 $692 $58
Colorado LT Crew Cab 2WD $128 $252 $308 $18 $92 $798 $67
Colorado LT Extended Cab 4WD $128 $208 $262 $16 $78 $692 $58
Colorado LT Crew Cab 4WD $148 $252 $262 $16 $78 $756 $63
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate quotes do not factor in specific garaging location which can modify premium rates noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $20 more each month or $240 every year than opting for the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 38 months between claims, you would probably save some money if you opt for a higher deductible.

Don't overlook these Chevy Colorado insurance discounts

Buying auto insurance is not cheap, but you may find discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but some must be asked for before being credited. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

To view auto insurance companies who offer discounts in Henderson, click this link.

Which policy gives me the best coverage?

When it comes to adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured's situation is different and a cookie cutter policy won't apply. For instance, these questions might help in determining if you may require specific advice.

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and may give you better protection.

Auto insurance agents can help

A lot of people just want to have an agent's advice and that can be a smart move Professional agents can help determine the best coverages and help you file claims. A nice benefit of comparing insurance online is that drivers can save money and get cheap insurance quotes and still have a local agent.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is sent to participating agents in Henderson who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to search for an agent because prices are sent immediately to you. If you want to get a rate quote from a specific company, you would need to jump over to their website to submit a rate quote request.

Deciding on an company shouldn't rely on just the price. Some important questions to ask are:

If you want to buy insurance from a local agent, there are a couple of types of insurance agents and how they can service your needs differently. Agencies in Henderson are classified as either independent (non-exclusive) or exclusive. Both sell insurance policies, but it's worth learning the difference between them because it may have an impact on your selection of an agent.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide one company's prices such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to give you multiple price quotes so they really need to provide good service. Exclusive agencies are usually well trained on their products and sales techniques and that allows them to sell at a higher price point.

Below is a short list of exclusive agencies in Henderson who may provide you with comparison quotes.

3037 W Hrzn Rg Pkwy Ste 100 - Henderson, NV 89052 - (702) 982-0696 - View Map

229 N Pecos Rd #110 - Henderson, NV 89074 - (702) 434-1230 - View Map

1000 N Green Valley Pkwy #450 - Henderson, NV 89074 - (702) 897-1000 - View Map

View more Henderson agents

Independent Agents

Agents that choose to be independent are appointed with more than one company and that enables them to quote your coverage through many companies and find the cheapest insurance rates. If you are not satisfied with one company, your policy is moved internally and you can keep the same agent. When comparing rates, you definitely need to include price quotes from multiple independent agents to maximize your price options.

Listed below are Henderson independent insurance agencies that can give you price quote information.

10624 S Eastern Ave # L - Henderson, NV 89052 - (800) 701-5909 - View Map

Nikkol Jackson Insurance Agency
701 N Green Valley Pkwy #200 - Henderson, NV 89074 - (702) 451-9799 - View Map

All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 - Henderson, NV 89052 - (702) 660-6618 - View Map

View more Henderson agents

Save $436 a year. For real?

Consumers in Nevada constantly see and hear ads for the lowest price car insurance by companies like GEICO, State Farm and Progressive. They all seem to convey the message about how much you will save if you change your car insurance policy to them.

How can each company make the same claim? This is how they do it.

Insurance providers require specific criteria for the type of insured they prefer to insure. An example of this type of driver might be described as married and over the age of 30, is a homeowner, and drives newer vehicles. Any person who meets those qualifications will most likely get cheap rates as well as save money with a new company.

People who do not fit these criteria will probably have to pay higher premiums and this results in the customer buying from a different company. If you pay close attention to the ads, they say "people who switch" not "everyone who quotes" save that kind of money. That's why companies can advertise the savings. Because of this risk profiling, it's extremely important to compare rate quotes every year. It's just not possible to know which company will give you the biggest savings.

What is YOUR best insurance company?

Some insurance providers don't offer price quotes online and many times these small, regional companies work with local independent agencies. Budget-conscious Chevy Colorado insurance is possible from both online companies and also from your neighborhood Henderson agents, so compare prices from both in order to have the best price selection to choose from.

In this article, we presented many tips how you can lower your Chevy Colorado insurance premium rates in Henderson. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a small mutual company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

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