If you want to save money, the best way to get budget auto insurance rates in Stockton is to begin comparing prices regularly from different companies that sell auto insurance in California. You can compare prices by following these guidelines.
- Get an understanding of how companies set rates and the measures you can take to keep rates in check. Many rating criteria that result in higher prices like traffic violations, accidents, and an unacceptable credit rating can be improved by being financially responsible and driving safely. Continue reading for ideas to prevent rate hikes and find possible discounts that are available.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can provide prices for a wide range of insurance providers. Start a quote
- Compare the price quotes to the premium of your current policy to see if cheaper Colorado coverage is available. If you can save some money and switch companies, make sure there is no coverage gap between policies.
One important bit of advice is that you use the same level of coverage on every quote request and and to get price estimates from as many companies as you can. Doing this provides a level playing field and and a good selection of different prices.
It’s an obvious conclusion that insurance companies don’t want you to look at other companies. Insureds who compare other rates will most likely buy a different policy because they have good chances of finding coverage at a cheaper rate. Surprisingly, a recent survey revealed that consumers who regularly shopped around saved about $865 annually compared to people who never shopped around for better prices.
If finding the cheapest rates on Chevy Colorado insurance in Stockton is why you’re here, learning the best way to compare insurance premiums can help simplify the task of finding more affordable coverage.
Buying the cheapest insurance in Stockton is easy if you know what you’re doing. In a nutshell, every vehicle owner who buys insurance will probably get better rates. But California drivers need to learn how companies compete online and take advantage of how the system works.
Get cheaper Chevy Colorado insurance rates in Stockton
Car insurance is easily one of your largest bills, but there could be significant discounts that can drop the cost substantially. Some of these discounts will be visible when you purchase, but a few must be asked for prior to getting the savings. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.
- Own a Home – Simply owning a home can earn you a little savings because maintaining a house requires personal responsibility.
- Discounts for Federal Employees – Federal government employees may reduce rates when you quote Stockton auto insurance depending on your car insurance provider.
- Memberships – Being a member of certain professional organizations may earn a discount on your next renewal.
- Accident-Free Discounts – Good drivers with no accidents have much lower rates compared to policyholders that have many claims.
- Distant Student – Kids who attend college more than 100 miles from Stockton without a vehicle on campus could qualify for this discount.
- Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you may save nearly 15% which can help you find the cheapest Chevrolet Colorado insurance in Stockton.
- Theft Deterrent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
- Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their Stockton auto insurance quote as compared to drivers with claims.
- Service Members Pay Less – Having a deployed family member could be rewarded with lower rates.
One last thing about discounts, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will definitely lower the premium cost.
The example below illustrates the comparison of Chevy Colorado insurance premiums with and without discounts applied to the rates. The data is based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, safe-driver, and marriage discounts applied.
A few companies who might offer these discounts possibly include:
Before you buy a policy, ask each insurance company which credits you are entitled to. Discounts may not apply to policyholders in Stockton. If you would like to view insurance companies with the best discounts in Stockton, click this link.
Just keep in mind that getting more free quotes provides better odds of finding lower pricing. Some insurance companies are not set up to provide online rate quotes, so it’s important to compare price estimates from them, too.
The following companies provide comparison quotes in California. If the list has multiple companies, we suggest you visit several of them to get the most competitive price.
Auto insurance data for a Chevy Colorado
The coverage information displayed below outlines different insurance policy prices for Chevy Colorado models. Having a better idea how insurance policy rates are figured can help guide drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $206 | $382 | $442 | $26 | $132 | $1,188 | $99 |
| Colorado LT Extended Cab 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Colorado LT 4WD | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Colorado LT Crew Cab 2WD | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Colorado LT Extended Cab 4WD | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Colorado LT Crew Cab 4WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can increase or decrease premiums considerably.
Deductible comparison
One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The comparison tables below outline the rate differences when you choose different policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $254 | $472 | $442 | $26 | $132 | $1,351 | $113 |
| Colorado LT Extended Cab 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Colorado LT 4WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Colorado LT Crew Cab 2WD | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Colorado LT Extended Cab 4WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Colorado LT Crew Cab 4WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| 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 | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in zip code location which can lower or raise coverage prices noticeably.
Based on the data above, we can derive that using a $250 deductible will cost you approximately $28 more each month or $336 every year than buying the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 27 months between claims, you would more than likely save some money if you choose a higher deductible. The table below illustrates the way you can make your own decision.
| Average monthly premium for $250 deductibles: | $117 |
| Average monthly premium for $1,000 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
Rate increases following a ticket or accident
The diagram below illustrates how speeding tickets and accident claims can impact Chevy Colorado auto insurance rates for different age groups. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Annual premiums comparing men and women in Stockton
The diagram below compares Chevy Colorado annual premium costs for male and female drivers. The price estimates are based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.
Does full coverage make sense?
The illustration below illustrates the difference between Chevy Colorado insurance premiums with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no exact formula of when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s say your Chevy Colorado claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Comparing prices from local Stockton insurance agents
Many drivers still prefer to buy from a local agent and that is not a bad decision One of the benefits of comparing rates online is you can get the lowest rates and still have a local agent.
To find an agent, once you fill out this quick form, the coverage information is sent to insurance agents in Stockton who will give competitive quotes and help you find cheaper coverage. You won’t even need to contact any insurance agencies because quoted prices will be sent straight to your inbox. You can find the lowest rates and a licensed agent to talk to. If you wish to quote rates from one company in particular, you just need to find their quoting web page and complete a quote there.
Picking the best insurance company requires you to look at more than just a low price. Below are some questions you should ask.
- How are claims handled?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they write coverage based solely on cost?
- When do they do a full risk review?
- If your car is totaled, how to they determine the replacement cost?
Exclusive and independent Stockton car insurance agents
If you need to find a good Stockton insurance agent, it’s important to understand the different agency structures and how they work. Insurance agents can be described as either exclusive or independent.
Exclusive Insurance Agents
Exclusive insurance agents can only place business with one company and some examples include State Farm, Allstate, and Farm Bureau. They generally cannot give you multiple price quotes so always compare other rates. Exclusive agents are well schooled on their company’s products and that enables them to sell even at higher rates. A lot of people buy from exclusive agents mainly due to the brand rather than low price.
Shown below are exclusive agencies in Stockton who can help you get rate quotes.
- Farmers Insurance: Olivia Lara
4110 N El Dorado St – Stockton, CA 95204 – (209) 518-9465 – View Map - Darius Turner – State Farm Insurance Agent
1036 W Robinhood Dr Ste 103 – Stockton, CA 95207 – (209) 475-9336 – View Map - Ramon Fernandez – State Farm Insurance Agent
3443 Deer Park Dr D – Stockton, CA 95219 – (209) 461-0170 – View Map
Independent Insurance Agents
Agents in the independent channel are not employed by any specific company and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If you want to switch companies, an independent agent can move your coverage and the insured can keep the same agent.
If you need lower rates, it’s a good idea to include independent agents so that you can do a thorough price comparison. They often place coverage with companies you’ve never heard of who may have lower rates.
Listed below are Stockton independent insurance agents who can help you get comparison quotes.
- Brown and Brown Ins. Svcs. of CA Inc. DBA Debock and Muth Insurance Agency
1330 W Fremont St – Stockton, CA 95203 – (209) 465-5671 – View Map - Lucchesi Jr Dan A
2522 Grand Canal Blvd # 9 – Stockton, CA 95207 – (209) 957-6515 – View Map - Beacon Padula Insurance
1150 W Robinhood Dr Suite 2b – Stockton, CA 95207 – (209) 478-3775 – View Map
Car insurance specifics
Learning about specific coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Coverage for medical payments
Med pay and PIP coverage reimburse you for short-term medical expenses for things like ambulance fees, prosthetic devices, X-ray expenses and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Coverage for collisions
Collision coverage pays for damage to your Colorado caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible on your Colorado in order to get cheaper collision rates.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Colorado.
Since many California drivers carry very low liability coverage limits (15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability auto insurance
This provides protection from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.
Liability insurance covers claims such as court costs, emergency aid, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.
The next chart shows why buying the state minimum limits may not provide adequate coverage.
Comprehensive coverages
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as a broken windshield, vandalism, hail damage, fire damage and theft. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Lower rates by being persistent
Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies only sell through independent agents. Discount Chevy Colorado insurance can be found both online and from local agencies, so you need to compare both to have the best selection.
Throughout this article, we presented some good ideas how you can shop for Chevy Colorado insurance online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may even discover the biggest savings come from a small local company.
Drivers switch companies for any number of reasons including questionable increases in premium, not issuing a premium refund, extreme rates for teen drivers or even high rates after DUI convictions. It doesn’t matter why you want to switch switching insurance companies is pretty simple and you could end up saving a buck or two.
Other information
- Should I Buy a New or Used Car? (Allstate)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Smart Auto Insurance Tips (Insurance Information Institute)