Would you prefer to buy more affordable car insurance rates in San Antonio, TX? San Antonio buyers have options when searching for low-cost Chevy Colorado insurance. They can either waste time calling around to compare prices or leverage the internet to compare rates. There is a right way and a wrong way to buy car insurance so we’re going to tell you the proper way to compare rates on a Chevy and get the best price possible.
If you have coverage now or just want a better rate, you can use this information to reduce premiums and still have adequate protection. We hope to help educate you on how insurance works and also pocket some savings Drivers just have to know the least time-consuming way to shop instantly.
All major auto insurance companies such as State Farm, GEICO and Progressive make it easy to get price estimates from their websites. Getting online quotes for Chevy Colorado insurance in San Antonio doesn’t take much effort because you just enter the amount of coverage you want into the form. Upon sending the form, the quote system pulls information on your driving record and credit history and generates pricing information based on many factors.
This makes it simple to compare prices and it is imperative to perform this step in order to get affordable auto insurance pricing.
To find out if lower rates are available, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter the limits and deductibles exactly as they are listed on your policy. Doing this assures you will receive comparison quotes for similar coverage.
The companies in the list below provide price comparisons in Texas. If multiple companies are listed, we suggest you get rate quotes from several of them to get a more complete price comparison.
Verify you’re earning every discount
Some insurance providers don’t always list the entire discount list in a way that’s easy to find, so the below list has a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy San Antonio car insurance online. If you don’t get every credit possible, you’re just leaving money on the table.
- Claim-Free Discount – Insureds with no claims or accidents pay less as compared to bad drivers.
- Discount for Home Ownership – Being a homeowner can help you save on auto insurance because of the fact that having a home requires a higher level of personal finance.
- New Car Discount – Putting insurance on a new Colorado can be considerably cheaper since newer vehicles have better safety ratings.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive so companies give up to a 10% discount.
- Student Driver Training – Require your teen driver to successfully take a driver’s education course as it can save substantially.
- Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.
The diagram below shows the difference between Chevy Colorado insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.
A few popular companies and some of their more popular discounts are shown below.
- AAA offers discounts for good driver, good student, anti-theft, AAA membership discount, and pay-in-full.
- Progressive may have discounts that include online signing, good student, continuous coverage, multi-vehicle, online quote discount, and multi-policy.
- State Farm has savings for good student, multiple policy, Drive Safe & Save, multiple autos, passive restraint, anti-theft, and Steer Clear safe driver discount.
- Esurance discounts include homeowner, renters, Switch & Save, multi-car, anti-lock brakes, anti-theft, and safety device.
- Nationwide offers discounts including easy pay, defensive driving, family plan, anti-theft, business or organization, good student, and Farm Bureau membership.
When comparing rates, check with all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply everywhere.
Rates and information analytics
The coverage table displayed below covers detailed analysis of insurance policy prices for Chevy Colorado models. Being more informed about how insurance quotes are calculated can aid in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $190 | $414 | $366 | $22 | $110 | $1,102 | $92 |
| Colorado LT Extended Cab 2WD | $222 | $504 | $366 | $22 | $110 | $1,224 | $102 |
| Colorado LT 4WD | $222 | $414 | $310 | $18 | $94 | $1,058 | $88 |
| Colorado LT Crew Cab 2WD | $222 | $504 | $366 | $22 | $110 | $1,224 | $102 |
| Colorado LT Extended Cab 4WD | $222 | $414 | $310 | $18 | $94 | $1,058 | $88 |
| Colorado LT Crew Cab 4WD | $256 | $504 | $310 | $18 | $94 | $1,182 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in San Antonio location which can decrease or increase insurance rates considerably.
Higher deductibles save money
One common question asked by San Antonio drivers is which deductibles should you choose. The figures shown below can help illustrate the premium difference when you buy lower versus higher comp and collision deductibles. The first rate quote example uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $244 | $486 | $382 | $22 | $114 | $1,273 | $106 |
| Colorado LT Extended Cab 2WD | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Colorado LT 4WD | $286 | $486 | $324 | $20 | $96 | $1,237 | $103 |
| Colorado LT Crew Cab 2WD | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Colorado LT Extended Cab 4WD | $286 | $486 | $324 | $20 | $96 | $1,237 | $103 |
| Colorado LT Crew Cab 4WD | $328 | $592 | $324 | $20 | $96 | $1,385 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $136 | $256 | $382 | $22 | $114 | $910 | $76 |
| Colorado LT Extended Cab 2WD | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Colorado LT 4WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Colorado LT Crew Cab 2WD | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Colorado LT Extended Cab 4WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Colorado LT Crew Cab 4WD | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in your specific San Antonio location which can affect coverage rates substantially.
Based on the data above, we can derive that using a $100 deductible costs approximately $34 more each month or $408 annually averaged for all Colorado models than selecting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 26 months between claims, you would save more money if you elect the higher deductible.
The chart below shows how choosing a deductible and can affect Chevy Colorado insurance prices for each age group. The data is based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Comparison of auto insurance rates by gender and age in San Antonio
The information below illustrates the difference between Chevy Colorado car insurance costs for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single status, and no discounts are applied to the premium.
Rate comparison of full coverage and liability-only
The illustration below shows the comparison of Chevy Colorado insurance rates with full coverage and liability only. The data is based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no exact formula to stop paying for physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Chevy Colorado book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 a year for physical damage coverage, then it might be time to buy liability only.
There are a few cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Local neighborhood agents and car insurance
Many drivers would prefer to sit down with an agent and often times that is recommended Most agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, the coverage information gets sent to participating agents in San Antonio who will give you quotes for your coverage. It’s much easier because you don’t need to drive around due to the fact that quote results will go to you directly. In the event you want to compare rates from a specific insurance company, feel free to navigate to their website and submit a quote form there.
Picking an provider should include more criteria than just the quoted price. Here are some questions you might want to ask.
- Where would glass claims be handled in San Antonio?
- What companies can they write with?
- Do they get paid more for recommending certain coverages?
- How is replacement cost determined on your vehicle?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are there any extra charges for paying monthly?
If you prefer to buy car insurance from a local agent, you must know there are a couple different types of agents and how they can write your policy. Car insurance agents in San Antonio are categorized either independent (non-exclusive) or exclusive. Either type can insure your vehicles, but we need to point out the difference in how they write coverage since it can affect which type of agent you select.
Exclusive Insurance Agencies
These type of agents can only provide one company’s prices such as Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their company’s products which helps them sell on service rather than price. Some insured continue to buy from the same agent for years mostly because of high brand loyalty and solid financial strength.
Below is a short list of exclusive insurance agencies in San Antonio who may provide you with price quote information.
- Diana Ybarra – State Farm Insurance Agent
420 Jackson Keller Rd – San Antonio, TX 78216 – (210) 366-0086 – View Map - Roger Haynes – State Farm Insurance Agent
13909 Nacogdoches Rd #103 – San Antonio, TX 78217 – (210) 656-4082 – View Map - Tim McBroom – State Farm Insurance Agent
8802 Marbach Rd #100 – San Antonio, TX 78227 – (210) 673-3401 – View Map
Independent Agents (or Brokers)
These type of agents do not write with just one company and that allows them to write policies through lots of different companies and find the cheapest rate. If you want to switch companies, they simply switch companies in-house and you don’t have to switch agencies. If you are trying to find cheaper rates, it’s recommended you get rate quotes from a few independent agents for maximum quote selection. Most have the option of insuring with less well-known companies that many times have cheaper rates.
Shown below is a list of independent insurance agencies in San Antonio willing to provide price quote information.
- IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map - Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 – View Map - Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map
Do I need special coverages?
When selecting your policy, there isn’t really a one-size-fits-all type of policy. You are unique and your insurance should be unique as well.
Here are some questions about coverages that may help you determine whether you would benefit from professional advice.
- Does rental coverage apply when I am renting a car?
- What companies insure drivers after a DUI or DWI?
- When can I cancel my policy?
- What are the financial responsibility laws in my state?
- Should I rate my vehicle as business use?
- How high should deductibles be on a Chevy Colorado?
- What does UM/UIM cover?
- Am I covered when driving someone else’s vehicle?
- Do I have coverage when making deliveries for my home business?
If you can’t answer these questions, 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 only takes a few minutes and may give you better protection.
What Affects Chevy Colorado Insurance Premiums?
Many factors are part of the equation when pricing auto insurance. Some factors are common sense such as your driving record, but others are not quite as obvious like your vehicle usage or your commute time. When buying insurance it’s important to understand some of the things that are used to determine the price you pay for insurance. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower insurance prices.
The items below are most of the major factors utilized by car insurance companies to help set prices.
- Can a thief steal your car? – Owning a car with a theft deterrent system can earn a premium discount. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
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Avoid tickets and save – Your driving citation history has a big impact on rates. Careful drivers receive lower rates than people who have multiple driving citations. Just one chargeable violation can increase rates by as much as thirty percent. Drivers who have gotten dangerous citations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive.
The chart below highlights how traffic violations and at-fault accidents can impact Chevy Colorado insurance costs for each age group. The premiums are based on a single male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
- Filing insurance claims can cost you – If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Auto insurance companies in Texas award lower rates to policyholders who do not file claims often. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- Marriage brings a discount – Having a wife or husband may cut your premiums on your insurance policy. Marriage means you’re more mature and it’s proven that married couples file fewer claims.
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Insurance losses for a Chevy Colorado – Insurance companies analyze past claim statistics when they file their rates in each state. Models that tend to have a trend towards higher claims will have a higher cost to insure.
The table below outlines the insurance loss data for Chevy Colorado vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of make or model, equals 100. Values below 100 indicate a favorable loss history, while numbers that are greater than 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
Chevrolet Colorado Insurance Claim Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Colorado Crew Cab 2WD 73 57 64 Chevrolet Colorado Crew Cab 4WD 90 89 86 67 Chevrolet Colorado Ext Cab 2WD 55 Chevrolet Colorado Ext Cab 4WD 67 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance is not optional
Despite the fact that auto insurance is not cheap in San Antonio, insurance is required in Texas but it also protects you in many ways.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a loan, almost every bank will require you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Chevy at an extremely high rate and force you to reimburse them for the expensive policy.
- Auto insurance preserves not only your Chevy Colorado but also your assets. Insurance will also pay for medical bills for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your Colorado more than cancel out the cost, particularly if you ever have a claim. Today the average American driver is currently overpaying as much as $810 a year so it’s important to compare rates each time the policy renews to help ensure money is not being wasted.
Keep this in mind when shopping around
We covered some good ideas how you can get a better price on Chevy Colorado insurance in San Antonio. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give better rates as compared to the big name companies such as Allstate or State Farm.
When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
More affordable auto insurance in San Antonio can be bought on the web in addition to many San Antonio insurance agents, so you need to quote San Antonio car insurance with both in order to have the best price selection to choose from. There are still a few companies who do not offer internet price quotes and most of the time these regional insurance providers prefer to sell through independent insurance agencies.
To read more, feel free to browse the articles below:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for Drivers Requiring a SR22 in San Antonio? (FAQ)
- What Auto Insurance is Cheapest for a Ford Explorer in San Antonio? (FAQ)
- Who Has the Cheapest San Antonio Car Insurance for a Nissan Sentra? (FAQ)
- Which Company has the Cheapest Car Insurance in San Antonio, Texas? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)
- All About Airbag Safety (State Farm)