Searching for the cheapest insurance for a new or used Chevy Colorado in Nebraska can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to buy auto insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Chevy and locate the best price possible from Omaha insurance agents and online providers.
A recent auto insurance study revealed that over 70% of drivers kept their policy with the same company for at least four years, and almost half have never taken the time to shop around. With the average premium in Nebraska being $1,400, drivers could save an average of about $400 each year by just comparing quotes, but they mistakenly think it’s difficult to compare rate quotes.
It’s a good idea to check auto insurance prices before your policy renews since insurance rates change regularly. Just because you found the best premium rates on Chevy Colorado insurance in Omaha six months ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.
If you have coverage now or just want a better rate, you will benefit by learning to cut your premiums without having to cut coverage. Quoting and comparing cheaper coverage in Omaha is not as difficult as people think. Vehicle owners just have to learn the least time-consuming way to compare price quotes online.
Best companies for Chevy Colorado insurance
The companies shown below are ready to provide price quotes in Omaha, NE. If your goal is to find cheap car insurance in Omaha, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.
Car insurance statistics and figures
The price information shown below highlights detailed analysis of insurance prices for Chevy Colorado models. Learning how policy premiums are calculated can help customers make smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $164 | $376 | $338 | $20 | $102 | $1,000 | $83 |
| Colorado LT Extended Cab 2WD | $194 | $456 | $338 | $20 | $102 | $1,110 | $93 |
| Colorado LT 4WD | $194 | $376 | $288 | $18 | $86 | $962 | $80 |
| Colorado LT Crew Cab 2WD | $194 | $456 | $338 | $20 | $102 | $1,110 | $93 |
| Colorado LT Extended Cab 4WD | $194 | $376 | $288 | $18 | $86 | $962 | $80 |
| Colorado LT Crew Cab 4WD | $222 | $456 | $288 | $18 | $86 | $1,070 | $89 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can alter prices noticeably.
Deductible analysis
When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates outline the rate differences between low and high coverage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $172 | $320 | $300 | $18 | $90 | $925 | $77 |
| Colorado LT Extended Cab 2WD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Colorado LT 4WD | $202 | $320 | $254 | $16 | $76 | $893 | $74 |
| Colorado LT Crew Cab 2WD | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Colorado LT Extended Cab 4WD | $202 | $320 | $254 | $16 | $76 | $893 | $74 |
| Colorado LT Crew Cab 4WD | $232 | $390 | $254 | $16 | $76 | $993 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Colorado LT 2WD | $140 | $258 | $300 | $18 | $90 | $806 | $67 |
| Colorado LT Extended Cab 2WD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Colorado LT 4WD | $164 | $258 | $254 | $16 | $76 | $768 | $64 |
| Colorado LT Crew Cab 2WD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Colorado LT Extended Cab 4WD | $164 | $258 | $254 | $16 | $76 | $768 | $64 |
| Colorado LT Crew Cab 4WD | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in vehicle garaging location which can alter premium rates significantly.
Based on the figures above, using a $250 deductible costs roughly $11 more each month or $132 for a full year than buying the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 23 months between claim filings, you would probably be better off going with the higher deductible. Here’s an example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $80 |
| Average monthly premium for $500 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
The example below demonstrates how choosing different deductibles and can increase or decrease Chevy Colorado annual premium costs for each different age group. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.
Annual premiums for males compared to females
The illustration below shows the difference between Chevy Colorado insurance prices for male and female drivers. The prices are based on no claims or violations, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
Cheaper Chevy Colorado insurance quotes in Omaha
Car insurance is not inexpensive, but there may be some discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount.
- Telematics Data – Policyholders that allow companies to track driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
- Mature Driver Discount – Older drivers may qualify for better car insurance rates.
- Save with a New Car – Adding a new car to your policy may earn a small discount since new model year vehicles are generally safer.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts as much as 30%.
As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
The example below shows the difference between Chevy Colorado insurance premiums with and without discounts applied. The rates are based on a female driver, a clean driving record, no at-fault accidents, Nebraska 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, safe-driver, homeowner, claim-free, marriage, and multi-policy discounts applied.
A list of car insurance companies and some of their more popular discounts are included below.
- AAA offers discounts including education and occupation, good driver, anti-theft, good student, pay-in-full, multi-policy, and multi-car.
- Progressive may offer discounts for multi-vehicle, online quote discount, multi-policy, online signing, continuous coverage, good student, and homeowner.
- State Farm has discounts for defensive driving training, student away at school, accident-free, Drive Safe & Save, and passive restraint.
- Esurance policyholders can earn discounts including paid-in-full, good student, multi-policy, online shopper, and Switch & Save.
- Nationwide may have discounts that include accident-free, family plan, multi-policy, business or organization, anti-theft, easy pay, and Farm Bureau membership.
When getting free Omaha car insurance quotes, it’s a good idea to each company or agent to apply every possible discount. Some credits may not apply in Omaha. If you would like to see a list of providers that offer the discounts shown above in Nebraska, click here.
Buying from insurance agents
Some consumers prefer to buy from a licensed agent and that is OK! Professional insurance agents can answer important questions and give you someone to call. The best thing about comparing auto insurance online is you can get cheap auto insurance rates and still choose a local agent.
Once you complete this form (opens in new window), the quote information gets sent to local insurance agents in Omaha that can provide free Omaha car insurance quotes for your auto insurance coverage. You won’t even need to contact an agency since rate quotes are delivered to you. In the event you want to get a comparison quote for a specific company, you just need to navigate to their website to submit a rate quote request.
Picking an insurance company requires more thought than just a cheap price quote. The answers to these questions are important, too.
- When do they do policy reviews?
- Will they give you a referral list?
- Is their price quote a firm figure or are their hidden costs?
- Are they giving you every discount you deserve?
- Do they have cheaper tiers of coverage?
Different types of Omaha auto insurance agents
When narrowing the list to find a reputable insurance agent or broker, it’s helpful to know the different types of agencies and how they operate. Omaha agents can be described as either exclusive or independent. Either can do a good job, but it’s important to point out how they are different because it can impact the type of agent you choose.
Exclusive Insurance Agencies
Exclusive insurance agents can usually just insure with one company and examples are AAA, Allstate, and State Farm. They generally cannot give you multiple price quotes so they have no alternatives for high prices. These agents are very knowledgeable in insurance sales which helps offset the inability to provide other markets. Some consumers prefer to buy from the same agent for years primarily because of the brand rather than low rates.
Below is a list of exclusive agents in Omaha who can help you get comparison quotes.
- Ryan Hedden – State Farm Insurance Agent
8611 Blondo St – Omaha, NE 68134 – (402) 392-1939 – View Map - Len Siedlik – State Farm Insurance Agent
12781 Q St – Omaha, NE 68137 – (402) 895-4446 – View Map - Farmers Insurance – Larry Schmitz
2726 S 148th Cir – Omaha, NE 68144 – (402) 895-3663 – View Map
Independent Auto Insurance Agents
Independent agents do not work for one specific company and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. To move your coverage to a new company, your policy is moved internally and you won’t have to switch agencies.
If you are trying to find cheaper rates, you definitely need to get quotes from at least one independent agent to get the most accurate price comparison. Most also have access to companies you’ve never heard of which may have better rates.
Listed below is a short list of independent agencies in Omaha that can give you rate quotes.
- Omaha Division Insurance
14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map - Best Insurance Agency
7300 F St – Omaha, NE 68127 – (402) 331-1515 – View Map - Auto Insurance Mart
1913 Military Ave – Omaha, NE 68111 – (402) 553-0700 – View Map
Affordable car insurance premiums are out there
In this article, we covered many ideas to lower your Chevy Colorado insurance auto insurance rates in Omaha. The key concept to understand is the more price quotes you have, the better likelihood of getting the cheapest Chevrolet Colorado rate quotes. You may even find the lowest auto insurance rates are with the smaller companies.
Insureds who switch companies do it for many reasons like not issuing a premium refund, high rates after DUI convictions, lack of trust in their agent and high prices. It doesn’t matter why you want to switch switching car insurance companies is pretty simple and you could end up saving a buck or two.
When searching for affordable Omaha car insurance quotes, do not buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced collision coverage and learned later that it was a big mistake. Your goal is to find the BEST coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Steps to buying discount Chevy Colorado insurance in Omaha
To save the most money, the best way to find the cheapest price for Chevy Colorado insurance is to compare prices once a year from companies who sell insurance in Omaha.
- Spend a few minutes and learn about how companies price auto insurance and the measures you can control to keep rates in check. Many policy risk factors that result in higher prices like traffic citations and your credit history can be controlled by making minor driving habit or lifestyle changes.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can quote rates from many different companies.
- Compare the new quotes to your current policy to determine if switching companies saves money. If you find a better price and buy the policy, make sure there is no lapse in coverage.
- Notify your current company to cancel your current auto insurance policy. Submit payment and a signed application to your new carrier. Once coverage is bound, place the new proof of insurance paperwork along with your vehicle registration.
One key aspect of rate comparisons is to try to compare identical deductibles and limits on every price quote and and to analyze every insurance company. Doing this ensures the most accurate price comparison and plenty of rates choose from.
For more information, take a look at the articles below:
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Who Has Affordable Omaha Auto Insurance for a Ford F-150? (FAQ)
- Who Has Affordable Car Insurance Quotes After a Speeding Ticket in Omaha? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Speed and Speed Limit FAQ (iihs.org)
- Older Drivers FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)