Finding cheaper coverage rates on Chevy Colorado insurance in Wichita could be frustrating for drivers who are beginners to comparison shopping online. You have so many companies to choose from that it can quickly become a ton of work to find better prices on Chevy Colorado insurance.

Insurance rates Chevy Colorado in WichitaSad but true, the vast majority of consumers kept their coverage with the same car insurance company for well over three years, and nearly 40% of drivers have never quoted car insurance rates at all. Drivers in Kansas could save nearly 55% every year by just shopping around, but they underestimate how much money they would save if they switched to a more affordable policy.

It's a good habit to do price comparisons yearly because prices go up and down regularly. Just because you found the best rates on Chevy Colorado insurance in Wichita at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to learn the only way to save money, get proper deductibles and limits, all at the lowest rate.

Locating the best rates in Wichita is much easier if you know where to start. If you have a current car insurance policy, you stand a good chance to be able to find the best rates using the concepts you're about to learn. But Kansas consumers can benefit by having an understanding of the way companies compete online and use it to your advantage.

How much is Chevy Colorado insurance in Wichita?

When shopping for the cheapest Chevrolet Colorado rate quotes, there are a couple of ways to compare rate quotes from lots of Kansas insurance companies. By far the easiest way to find cheaper rates is simply to get online rate quotes. It's important to know that comparing more quotes helps improve the odds of finding more affordable rates. Not every company provides Wichita Colorado insurance quotes over the internet, so it's important to also get price estimates on coverage from those companies, too.

The companies in the list below are ready to provide price comparisons in Kansas. If several companies are displayed, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Chevrolet Colorado Insurance Rates in Wichita, KS
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $98 $218 $372 $22 $112 $822 $69
Colorado LT Extended Cab 2WD $220 $372 $376 $22 $112 $1,102 $92
Colorado LT 4WD $220 $306 $318 $18 $96 $958 $80
Colorado LT Crew Cab 2WD $136 $234 $376 $22 $112 $880 $73
Colorado LT Extended Cab 4WD $166 $316 $276 $16 $82 $856 $71
Colorado LT Crew Cab 4WD $246 $458 $328 $20 $98 $1,150 $96
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in specific zip code location which can increase or decrease insurance rates considerably.

Higher deductibles lower rates

The example below demonstrates how deductibles and can raise or lower Chevrolet Colorado insurance costs for different age groups of insureds. The price estimates are based on a married male driver, full coverage, and no discounts are factored in.

Policy deductible comparison

One common question asked by Wichita drivers is how high or low should comp and collision deductibles be. The data tables below can help illustrate the costs and benefits when you select higher and lower comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Chevrolet Colorado insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $164 $306 $286 $16 $86 $883 $74
Colorado LT Extended Cab 2WD $192 $372 $286 $16 $86 $977 $81
Colorado LT 4WD $192 $306 $244 $14 $72 $853 $71
Colorado LT Crew Cab 2WD $192 $372 $286 $16 $86 $977 $81
Colorado LT Extended Cab 4WD $192 $306 $244 $14 $72 $853 $71
Colorado LT Crew Cab 4WD $222 $372 $244 $14 $72 $949 $79
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Chevrolet Colorado insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $134 $248 $286 $16 $86 $770 $64
Colorado LT Extended Cab 2WD $156 $300 $286 $16 $86 $844 $70
Colorado LT 4WD $156 $248 $244 $14 $72 $734 $61
Colorado LT Crew Cab 2WD $156 $300 $286 $16 $86 $844 $70
Colorado LT Extended Cab 4WD $156 $248 $244 $14 $72 $734 $61
Colorado LT Crew Cab 4WD $180 $300 $244 $14 $72 $810 $68
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in specific location which can influence price quotes greatly.

We can derive from the above data that using a $250 deductible costs roughly $10 more each month or $120 every year than quoting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 25 months between claim filings, you would most likely save money by selecting a higher deductible.

Cheaper Wichita car insurance quotes with discounts

Some providers do not advertise every available discount in a way that's easy to find, so the list below details both well-publicized and the harder-to-find discounts that you may qualify for. If you don't get every credit possible, you are throwing money away.Save money with discounts

It's important to note that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, car insurance companies aren't that generous.

Large car insurance companies and a summarized list of policyholder discounts can be found below.

If you need cheaper Wichita auto insurance quotes, ask each company to give you their best rates. All car insurance discounts may not apply to policies in Wichita.

Car insurance is an important decision

Even though it can be expensive, maintaining insurance is required by state law in Kansas and it also provides benefits you may not be aware of.

First, most states have minimum liability requirements which means you are required to buy a specific level of liability protection if you don't want to risk a ticket. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your Colorado, most lenders will require that you have full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Chevy at an extremely high rate and force you to pay for the much more expensive policy.

Third, car insurance protects both your car and your personal assets. It will also provide coverage for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. But the average American driver overpays as much as $855 a year so shop around at least once a year to ensure rates are competitive.

Do I just need basic coverages?

Always remember that when buying the right insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's situation is unique.Safe vehicles cost less to insure

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

If you can't answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

When to contact an agent

Certain consumers prefer to visit with an insurance agent and doing so can bring peace of mind A nice benefit of price shopping on the web is you may find better rates and still have an agent to talk to.

Find insurance agent in WichitaTo make it easy to find an agent, after completing this short form, the quote information is emailed to agents in your area who will give you bids for your insurance coverage. You won't even need to contact any agents due to the fact that quote results will go immediately to you. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to compare prices from a particular provider, you can always go to their quote page and fill out their quote form.

Deciding on an insurance company is decision based upon more than just a cheap price. These questions are important to ask:

Not all auto insurance agents are the same

When looking for a good insurance agency, you should know the types of agencies to choose from. Wichita agents can either be independent or exclusive.

Exclusive Insurance Agencies

Agents that choose to be exclusive generally can only insure with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive insurance agents receive extensive training on their company's products which aids in selling service over price. Drivers often buy insurance from these agents primarily because of the brand name rather than having the cheapest rates.

The following are Wichita exclusive insurance agents who may provide you with comparison quotes.

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Independent Car Insurance Agents

These agents do not write with just one company and that is an advantage because they can write policies with any number of different companies and find you cheaper rates. If they find a cheaper price, your agent can switch companies and you can keep the same agent. When comparing rate quotes, you should always include price quotes from a few independent agents to ensure the widest selection of prices. Most independent agents also contract with lesser-known insurance companies which can save you money.

Shown below is a list of independent agents in Wichita that are able to give price quotes.

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Learn about car insurance coverages for a Chevy Colorado

Learning about specific coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision - This pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible on your Colorado to get cheaper collision coverage.

Auto liability insurance - Liability coverage will cover injuries or damage you cause to other's property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, pain and suffering, bail bonds, loss of income and funeral expenses. How much coverage you buy is up to you, but you should buy as high a limit as you can afford. Kansas requires minimum liability limits of 25/50/10 but you should consider buying higher limits.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like pain medications, chiropractic care, nursing services and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, hail damage and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Colorado.

Because many people only carry the minimum required liability limits (25/50/10 in Kansas), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.