Insurance for Chevy ColoradoSearching for cheaper insurance for a Chevy Colorado in North Dakota can be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for auto insurance so we're going to tell you the quickest way to quote coverages on a Chevy and get the lowest possible price from both online companies and Fargo agents.

Comparing rates for the best-priced coverage in Fargo is actually quite simple. If you are already insured or need a new policy, follow these tips to buy cheaper auto insurance and still get good coverage. Smart buyers only have to learn the tricks to compare different rates using one simple form.

Best Chevy Colorado insurance price quotes in North Dakota

The companies shown below have been selected to offer free quotes in North Dakota. If multiple companies are listed, we suggest you click on several of them to get the best price comparison.

Chevrolet Colorado Insurance Cost Estimates in Fargo, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $138 $300 $366 $22 $110 $936 $78
Colorado LT Extended Cab 2WD $200 $454 $366 $22 $110 $1,152 $96
Colorado LT 4WD $178 $328 $248 $14 $74 $842 $70
Colorado LT Crew Cab 2WD $142 $312 $342 $20 $102 $918 $77
Colorado LT Extended Cab 4WD $176 $318 $270 $16 $80 $860 $72
Colorado LT Crew Cab 4WD $202 $386 $270 $16 $80 $954 $80
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in specific location information which can affect insurance rates significantly.

Drive safe and save

The information below illustrates how speeding tickets and accidents impact Chevrolet Colorado auto insurance rates for each age group. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Physical damage deductible comparison

When comparing auto insurance rates, the most common question is how high should your deductibles be. The comparison tables below sum up the difference in cost between high and low physical damage deductibles. The first set of rates uses a $100 deductible and the second data table uses a $1,000 deductible.

Chevrolet Colorado insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $194 $386 $302 $18 $90 $1,015 $85
Colorado LT Extended Cab 2WD $228 $470 $302 $18 $90 $1,133 $94
Colorado LT 4WD $228 $386 $258 $16 $78 $991 $83
Colorado LT Crew Cab 2WD $228 $470 $302 $18 $90 $1,133 $94
Colorado LT Extended Cab 4WD $228 $386 $258 $16 $78 $991 $83
Colorado LT Crew Cab 4WD $260 $470 $258 $16 $78 $1,107 $92
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Chevrolet Colorado insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Colorado LT 2WD $108 $204 $302 $18 $90 $722 $60
Colorado LT Extended Cab 2WD $126 $248 $302 $18 $90 $784 $65
Colorado LT 4WD $126 $204 $258 $16 $78 $682 $57
Colorado LT Crew Cab 2WD $126 $248 $302 $18 $90 $784 $65
Colorado LT Extended Cab 4WD $126 $204 $258 $16 $78 $682 $57
Colorado LT Crew Cab 4WD $144 $248 $258 $16 $78 $744 $62
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise coverage prices significantly.

Based on this data, using a $100 deductible costs approximately $28 more each month or $336 a year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 32 months between claims, you would probably save some money by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $89
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

One big caveat is that higher deductibles means you will have to pay more of your own money if you have a claim. You will want to have enough disposable income in the event you need to pay the deductible for vehicle repair.

Discounts for affordable insurance rates

Insuring your fleet can be pricey, but you may qualify for discounts that you may not even know about. Certain discounts will be triggered automatically when you get a quote, but a few must be asked about before you get the savings. If you check and find you aren't receiving every discount possible, you are just wasting money.Discount insurance

Just know that some credits don't apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, you're out of luck.

Popular insurance companies and a summarized list of policyholder discounts are included below.

When quoting, ask every company to apply every possible discount. Some discounts listed above may not be available in your area. To locate companies that provide some of the discounts listed above in Fargo, click here.

You Can Change Your Insurance Rates

Many different elements are used when pricing auto insurance. Some are pretty understandable like an MVR report, although others are not quite as obvious such as your credit history or your vehicle rating. When buying auto insurance it's important to understand some of the things that play a part in calculating auto insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that could help you find big savings.

Your address can modify prices - Having an address in areas with lower population may provide you with better prices when it comes to auto insurance. Residents of big cities have to deal with more aggressive driving styles and more time behind the wheel. Lower population corresponds to lower accident rates in addition to lower liability claims

Lower premiums for safer cars - Safe vehicles tend to have lower insurance rates. These vehicles protect occupants better and fewer serious injuries means less money paid by your insurance company and cheaper rates on your policy. If your Chevy Colorado has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Liability protection claims can be big - A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are determined to be liable for physical damage or personal injury to other. This coverage provides you with a defense in court which can cost a lot. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.

You might get higher rates if you are single - Having a wife or husband may cut your premiums on auto insurance. Marriage generally demonstrates drivers are less irresponsible and statistics prove married couples file fewer claims.

Don't buy add-on coverages that aren't used - There are quite a few additional extra coverages that can waste your money on your Colorado policy. Add-on coverages like replacement cost coverage, accidental death, and membership fees are examples of these. These may sound like a good investment when deciding what coverages you need, but if they're wasting money consider taking them off your policy.

Chevy Colorado insurance loss statistics - Companies analyze the history of losses to help set a rate to offset losses. Vehicles that have higher claim frequency or loss amount will be charged more to insure.

The table shown below demonstrates the collected loss data for Chevy Colorado vehicles. For each policy coverage type, the loss probablilty for all vehiclescombined as an average is a value of 100. Numbers that are below 100 mean the vehicle has better than average losses, while values that are above 100 indicate higher probability of having a loss or an increased probability of a larger loss.

Auto Insurance Loss Data for Chevrolet Colorado Models

Make and 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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

How do I know if I need professional advice?

When quoting and choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone's situation is unique.Auto insurance savings

These are some specific questions could help you determine if you might need an agent's assistance.

If you're not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

What if I want to buy from local Fargo car insurance agents?

Some consumers prefer to visit with an insurance agent and that is a personal choice. Most agents are trained risk managers and help submit paperwork. A good thing about getting online price quotes is that you can obtain better rates and still buy from a local agent. Buying from neighborhood agents is important especially in Fargo.

Find insurance agent in FargoFor easy comparison, once you complete this quick form, your coverage information is transmitted to local insurance agents who will gladly provide quotes for your business. You won't need to contact any agents because quoted prices will be sent immediately to your email address. If you want to get a comparison quote from a particular provider, you can always visit that company's website to submit a rate quote request.

Two types of car insurance agents

If you need to find a local Fargo insurance agent, you need to know there are two different agency structures and how they operate. Fargo agents are either independent agents or exclusive agents depending on their employer. Either can sell affordable car insurance policies, but we need to point out the difference in the companies they write for since it could factor into the type of agent you choose.

Independent Car Insurance Agencies or Brokers

Independent agencies do not write with just one company and that allows them to write policies with many different companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can just switch to a different company and the insured can keep the same agent. When searching for an agent, it's a good idea to get quotes from a couple of independent agencies for maximum quote selection. Most also write with small regional insurance companies who may have lower rates.

Featured below is a partial list of independent insurance agencies in Fargo that can give you price quote information.

More Fargo agents

Exclusive Car Insurance Agencies

Agents of this type can usually just insure with one company and examples are State Farm or Allstate. They are unable to provide other company's prices so keep that in mind. Exclusive agencies are well trained on sales techniques which helps offset the inability to provide other markets. A lot of people use the same agent primarily because of the brand legacy rather than low rates.

Listed below are exclusive agencies in Fargo that can give you rate quotes.

More Fargo agents

Selecting an auto insurance agent should include more criteria than just a low price. Here are some questions you might want to ask.

If you receive good responses to these questions and an acceptable price quote, you may have just found an auto insurance agent that meets the criteria to insure your vehicles. Just remember consumers can cancel your policy whenever you want so don't assume you are locked into the car insurance policy for the full policy term.

Can you really save if you switch?

North Dakota drivers can't avoid all the ads that claim the cheapest car insurance rates from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to advertise the message that you can save just by moving your coverage to them.

How does every company say the same thing? It's all in the wording.

Companies quote their best rates for the type of customer that will most likely be profitable. A good example of a profitable insured could be between the ages of 30 and 50, has no tickets, and has great credit. Any person who meets those qualifications gets the lowest car insurance rates and as a result will probably save if they switch.

Insureds who do not meet those standards will have to pay a higher premium which translates to the customer buying from a different company. If you pay attention, the ads say "people that switch" but not "all drivers who get quotes" can save as much as they claim. That is how insurance companies can confidently make those statements.

Different companies use different criteria so it's extremely important to get a wide range of price quotes. It is impossible to guess which insurance company will have better prices than you're paying now.

Don't give up on cheaper rates

People who switch companies do it for a variety of reasons including poor customer service, unfair underwriting practices, extreme rates for teen drivers and policy cancellation. Regardless of your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

There are still a few companies who don't offer the ability to get quotes online and these regional carriers only sell coverage through independent agents. Affordable Chevy Colorado insurance in Fargo is attainable both online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from.

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. There are too many instances where someone sacrificed liability coverage limits only to discover later that it was a big mistake. Your goal should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

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