Are you looking for a better way to compare cheaper Chevy Colorado insurance in Oakland? Pretty sure you bought an expensive car insurance policy? It’s a common feeling and many Oakland drivers have buyer’s remorse.
Unbelievably, the vast majority of drivers kept their policy with the same company for well over three years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. Many consumers in California can save up to $500 each year just by getting comparison quotes, but they don’t believe the rate savings if they switched.
Steps to finding low-cost rates for Chevy Colorado insurance in Oakland
It takes a few minutes, but the best way to find low-cost prices for Chevy Colorado insurance in Oakland is to make a habit of regularly comparing prices from insurance carriers in California.
- Get an understanding of what coverages are included in your policy and the things you can control to keep rates in check. Many things that result in higher rates like traffic violations and a poor credit rating can be controlled by improving your driving habits or financial responsibility.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple insurance companies. Find an Oakland insurance agent
- Compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Oakland. If you can save money and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company of your intent to cancel the current policy. Submit a completed application and payment to your new insurance company. As soon as you have the new policy, keep the new certificate of insurance in your vehicle’s glove compartment or console.
An important note is that you’ll want to compare identical coverage information on every quote and and to look at every insurance company. Doing this ensures the most accurate price comparison and the most accurate and complete price analysis.
Due to the large number of companies and agents to choose from, it can be difficult for drivers to choose a lower cost insurance company.
Cheap Oakland auto insurance quotes with discounts
Buying auto insurance is not cheap, but there are discounts available to reduce the price significantly. Many of these discounts will be applied automatically when you purchase, but less common discounts must be asked for before they will apply.
- Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less since new vehicles are generally safer.
- Government Employees – Employees or retirees of the government may reduce rates when you quote Oakland auto insurance depending on your company.
- Good Students Pay Less – This discount may save you up to 25%. This discount can apply up until you turn 25.
- Professional Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums when shopping for auto insurance.
- No Accidents – Drivers with accident-free driving histories pay less as opposed to insureds who have frequent claims or accidents.
- Multiple Vehicles – Drivers who insure multiple cars on a single policy can get a discount for every vehicle.
- Drivers Education – Require your teen driver to successfully take a driver’s education course in school or through a local driver safety program.
- Early Switch Discount – Some companies give discounts for signing up prior to your current Colorado insurance policy expiring. You can save around 10% with this discount.
- Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
Discounts save money, but please remember that most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you could get a free auto insurance policy, it’s just not the way it works. But all discounts will definitely reduce your policy premium.
The information below shows the difference between Chevy Colorado premium costs with and without policy discounts. The premiums are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, homeowner, multi-car, and safe-driver discounts applied.
To see insurers who offer free Chevy Colorado insurance quotes in Oakland, click here to view.
Buy Oakland Chevy Colorado insurance online
Most companies make it easy to get insurance quotes online. Comparing Chevy Colorado insurance rates online is easy for anyone as you simply enter the coverage amounts you desire into the form. When complete, the system orders information on your driving record and credit history and returns a price. This makes it a lot easier to compare rates and it’s absolutely necessary to perform this step in order to get lower-cost rates.
If you want to compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended that you enter deductibles and limits as close as possible to your current policy. This makes sure you will receive a fair comparison based on identical coverages.
The companies shown below are our best choices to provide free quotes in California. To buy the best car insurance in CA, we suggest you visit as many as you can to get a more complete price comparison.
Rate information and statistics
The premium table displayed below covers different coverage costs for Chevy Colorado models. Having insight into how auto insurance policy rates are established can help drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $314 | $694 | $596 | $36 | $178 | $1,818 | $152 |
| Colorado LT Extended Cab 2WD | $368 | $844 | $596 | $36 | $178 | $2,022 | $169 |
| Colorado LT 4WD | $368 | $694 | $508 | $30 | $152 | $1,752 | $146 |
| Colorado LT Crew Cab 2WD | $368 | $844 | $596 | $36 | $178 | $2,022 | $169 |
| Colorado LT Extended Cab 4WD | $368 | $694 | $508 | $30 | $152 | $1,752 | $146 |
| Colorado LT Crew Cab 4WD | $422 | $844 | $508 | $30 | $152 | $1,956 | $163 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in Oakland location which can affect price quotes noticeably.
Raise deductibles and save
One frequently asked question is which deductible level should you buy. The following tables may help to illustrate the differences in premium rates between high and low policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $282 | $564 | $442 | $26 | $132 | $1,471 | $123 |
| Colorado LT Extended Cab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Colorado LT 4WD | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Colorado LT Crew Cab 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Colorado LT Extended Cab 4WD | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Colorado LT Crew Cab 4WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $156 | $298 | $442 | $26 | $132 | $1,054 | $88 |
| Colorado LT Extended Cab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Colorado LT 4WD | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Colorado LT Crew Cab 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Colorado LT Extended Cab 4WD | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Colorado LT Crew Cab 4WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific location information which can influence auto insurance rates significantly.
Based on the figures above, using a $100 deductible will cost you about $39 more each month or $468 a year across all Chevrolet Colorado models than selecting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 23 months between claim filings, you would probably save some money if you elect the higher deductible.
Impact of age and gender on auto insurance rates
The information below visualizes the comparison of Chevy Colorado auto insurance rates for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied.
Insurance quotes from local neighborhood Oakland car insurance agents
Some people still like to buy from a licensed agent and that is a personal choice. A good thing about comparing insurance online is the fact that drivers can get cheap rate quotes and still choose a local agent. And providing support for local agencies is especially important in Oakland.
To help locate an agent, after submitting this form (opens in new window), your information is transmitted to participating agents in Oakland who want to provide quotes for your business. You never need to leave your house because prices are sent immediately to you. You can find better rates without a big time investment. If for some reason you want to quote rates from a particular provider, you can always navigate to their website and fill out the quote form the provide.
Below are agents in Oakland willing to provide rate quotes for Chevy Colorado insurance in Oakland.
Farmers Insurance – Yonas Hagos
220 4th St Suite 200 – Oakland, CA 94607 – (510) 763-1030 – View Map
Greater Metrowest Insurance Agency
Oakland, CA 94612 – Oakland, CA 94612 – (510) 444-1404 – View Map
Jose Cano – State Farm Insurance Agent
3301 E 12th St Suite 113 – Oakland, CA 94601 – (510) 533-8107 – View Map
Judy Chambers – State Farm Insurance Agent
1305 Franklin St #400 – Oakland, CA 94612 – (510) 832-2195 – View Map
Selecting a insurance company is decision based upon more than just a cheap quote. Before buying a policy in Oakland, get answers to these questions.
- Is there a Errors and Omissions policy in force?
- How long have they worked with personal auto insurance coverage?
- Are they actively involved in the community?
- Can they provide you with a list of referrals?
- What insurance companies do they recommend if they are an independent agent?
- Are they properly licensed to sell insurance in California?
- How is replacement cost determined on your vehicle?
- Do they offer accident forgiveness?
Oakland car insurance company ratings
Buying coverage from a highly-rated auto insurance provider can be difficult considering how many choices there are in Oakland. The ranking information displayed below could help you decide which auto insurers to look at comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote often and quote early
When buying insurance coverage, do not buy less coverage just to save a little money. In too many instances, an accident victim reduced collision coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Budget-friendly car insurance in Oakland is attainable online and with local Oakland insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies do not provide online price quotes and most of the time these smaller companies prefer to sell through independent agents.
How to save money on Chevy Colorado insurance in Oakland
If saving the most money is your goal, then the best way to get low-cost Chevy Colorado insurance in Oakland is to start comparing rates regularly from companies in California. You can compare rates by completing these steps.
First, get an understanding of how car insurance works and the things you can change to prevent high rates. Many factors that are responsible for high rates like getting speeding tickets and poor credit can be controlled by being financially responsible and driving safely.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Allstate, while independent agents can provide prices for a wide range of companies. Click to view companies
Third, compare the quotes to your existing rates to see if a cheaper rate is available. If you can save money, make sure there is no coverage gap between policies.
An important bit of advice to remember is to make sure you enter similar coverage information on each price quote and and to get rates from every company you can. Doing this ensures an accurate price comparison and a complete price analysis.
More tips and info about car insurance is available by following these links:
- Collision Coverage (Liberty Mutual)
- Who Has Affordable Car Insurance Quotes for a Dodge Ram in Oakland? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Ford Escape in Oakland? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in Oakland? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Toyota 4Runner in Oakland? (FAQ)
- Vehicle Insurance (Wikipedia)
- Distracted Driving (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)