Want to learn a better way to compare cheaper Chevy Cobalt insurance in Tucson? Buying more affordable Tucson Chevy Cobalt insurance quotes might appear problematic for vehicle owners new to quoting and price shopping over the internet. When there are so many companies, how can you have the ability to compare all the different companies and get the cheapest available price?
Steps to finding low-cost rates for Chevy Cobalt insurance in Tucson
The preferred way to get cheaper Chevy Cobalt insurance is to regularly compare prices from different companies in Tucson.
- Spend a few minutes and learn about how insurance works and the factors you can control to prevent rate increases. Many rating criteria that increase rates such as traffic citations and a less-than-favorable credit rating can be eliminated by improving your driving habits or financial responsibility. Continue reading for more information to help keep rates affordable and earn a bigger discount.
- Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agents can provide rate quotes from multiple sources.
- Compare the price quotes to the price on your current policy to see if cheaper Cobalt coverage is available. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
- Tell your current company to cancel your current auto insurance policy. Submit a signed application and payment to the new company. Once received, put the new certificate of insurance along with the vehicle’s registration papers.
The key thing to remember is that you use the same level of coverage on each quote request and and to look at every company you can. Doing this provides a fair rate comparison and the best rate selection.
It’s a known fact that car insurance companies don’t want you quoting rates from other companies. Insureds who rate shop once a year are likely to switch companies because of the high probability of finding a lower-priced company. A recent auto insurance study revealed that consumers who compared prices regularly saved an average of $860 a year as compared to drivers who never shopped around.
If finding the cheapest price for auto insurance in Tucson is your objective, then having a good understanding how to get rate quotes and compare insurance can make it simple to find affordable coverage.
Locating the most cost-effective insurance policy in Tucson can be made easier if you know where to look. Nearly every vehicle owner who is looking for cheaper insurance will find better rates. Although Arizona consumers do need to learn the way companies determine prices because rates fluctuate considerably.
Keep in mind that comparing a wide range of rates helps you find more affordable rates.
The companies in the list below provide price comparisons in Tucson, AZ. To locate cheap car insurance in Tucson, it’s highly recommended you visit two to three different companies to get the most competitive price.
Cheaper rates on Chevy Cobalt insurance in Tucson with these insurance discounts
Some providers don’t necessarily list every possible discount in a way that’s easy to find, so the list below details a few of the more common and the harder-to-find discounts you could be receiving when you buy Tucson car insurance online.
- Driver Safety – Participating in a course teaching safe driver skills could possibly earn you a 5% discount and easily pay for the cost of the class.
- Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies permit an accident without raising rates so long as you are claim-free for a set time period.
- Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
- Discount for Swiching Early – A few larger companies give discounts for switching to them early. This can save 10% or more.
- Federal Government Employee – Federal government employees can save as much as 8% but check with your company.
Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, nobody gets a free ride.
The illustration below shows the comparison of Chevy Cobalt auto insurance rates with and without policy discounts. Data assumes a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.
The best insurance companies and some of the discounts can be read below.
- State Farm may include discounts for safe vehicle, good student, Drive Safe & Save, accident-free, driver’s education, and anti-theft.
- Progressive has discounts for good student, multi-policy, continuous coverage, online quote discount, and homeowner.
- Travelers may offer discounts for payment discounts, early quote, good student, hybrid/electric vehicle, and continuous insurance.
- American Family offers discounts including good driver, defensive driver, mySafetyValet, air bags, multi-vehicle, and Steer into Savings.
- Liberty Mutual has savings for newly retired, new vehicle discount, multi-policy, preferred payment discount, multi-car, good student, and safety features.
Before you buy a policy, ask each insurance company to apply every possible discount. Some discounts listed above might not be offered on policies in Tucson. For a list of insurance companies who offer cheap Chevy Cobalt insurance quotes in Arizona, click this link.
Premium rates and analysis
The price information displayed next showcases estimates of insurance costs for Chevy Cobalt models. Knowing how policy rates are calculated helps drivers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $108 | $284 | $356 | $22 | $106 | $876 | $73 |
| Cobalt XFE 4-Dr Sedan | $108 | $284 | $356 | $22 | $106 | $876 | $73 |
| Cobalt LS 2-Dr Coupe | $124 | $284 | $394 | $24 | $118 | $944 | $79 |
| Cobalt XFE 2-Dr Coupe | $124 | $284 | $394 | $24 | $118 | $944 | $79 |
| Cobalt LT 4-Dr Sedan | $124 | $284 | $356 | $22 | $106 | $892 | $74 |
| Cobalt LT 2-Dr Coupe | $138 | $284 | $394 | $24 | $118 | $958 | $80 |
| Cobalt SS Turbo 2-Dr Coupe | $154 | $370 | $394 | $24 | $118 | $1,060 | $88 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can impact coverage rates noticeably.
An analysis of deductible level
One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The premium rates below can help illustrate the cost difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $202 | $460 | $338 | $20 | $102 | $1,147 | $96 |
| Cobalt XFE 4-Dr Sedan | $202 | $460 | $338 | $20 | $102 | $1,147 | $96 |
| Cobalt LS 2-Dr Coupe | $232 | $460 | $374 | $22 | $112 | $1,225 | $102 |
| Cobalt XFE 2-Dr Coupe | $232 | $460 | $374 | $22 | $112 | $1,225 | $102 |
| Cobalt LT 4-Dr Sedan | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Cobalt LT 2-Dr Coupe | $262 | $460 | $374 | $22 | $112 | $1,255 | $105 |
| Cobalt SS Turbo 2-Dr Coupe | $292 | $600 | $374 | $22 | $112 | $1,425 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Cobalt XFE 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Cobalt LS 2-Dr Coupe | $144 | $290 | $374 | $22 | $112 | $942 | $79 |
| Cobalt XFE 2-Dr Coupe | $144 | $290 | $374 | $22 | $112 | $942 | $79 |
| Cobalt LT 4-Dr Sedan | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Cobalt LT 2-Dr Coupe | $162 | $290 | $374 | $22 | $112 | $960 | $80 |
| Cobalt SS Turbo 2-Dr Coupe | $180 | $376 | $374 | $22 | $112 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in Tucson location which can modify price quotes significantly.
Based on this data, using a $250 deductible will cost you roughly $25 more each month or $300 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 30 months between claims, you would save more money if you choose a higher deductible.
Impact of citations and accidents on insurance rates
The chart below highlights how traffic violations and at-fault accidents impact Chevy Cobalt yearly insurance costs for each different age group. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Chevrolet Cobalt liability rates compared to full coverage
The illustration below illustrates the difference between Chevy Cobalt insurance prices with full physical damage coverage and with liability coverage only. The prices are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied.
When to drop comp and collision
There is no set rule to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Chevy Cobalt settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 annually to have full coverage, then you might consider buying liability only.
There are a few situations where only buying liability is not a good plan. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
Learn How to Find Car Insurance Cheaper
Multiple criteria are part of the equation when premium rates are determined. Some are obvious such as your driving record, but other criteria are not quite as obvious such as your marital status or your commute time. When buying car insurance it’s important to understand some of the elements that aid in calculating the rates you pay for car insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could result in much lower annual insurance costs.
The factors shown below are some of the items companies use to determine your rate level.
More performance means more cost – The performance level of the vehicle you need to insure makes a substantial difference in determining your rates. Economy passenger vehicles usually have the lowest premiums, but your final cost has many other factors.
The following data uses these variables: married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The data compares Chevrolet Cobalt insurance rates compared to other models of vehicles that have different risk factors.
Driver age impacts rates – Teenage drivers in Arizona are known to be more careless in a vehicle therefore car insurance rates are much higher. Older drivers are more responsible, cause fewer claims and accidents, and receive fewer citations.
The next chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Guys pay more for auto insurance – The statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Males and females have at-fault accidents in similar numbers, but the men tend to have higher claims. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
The chart below compares Chevy Cobalt insurance costs for male and female drivers. Data assumes no claims, a clean driving record, full coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
Cut car insurance rates and deter theft – Buying a car with advanced anti-theft systems can earn a premium discount. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
Insurance agent or online?
A small number of people just want to sit down with an agent and often times that is recommended One of the benefits of comparing insurance prices online is that drivers can save money and get the lowest rates and still buy from a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is emailed to local insurance agents who will return price quotes for your business. There is no reason to contact any agents because quoted prices will be sent instantly to you. You can get cheaper insurance rates and an insurance agent to talk to. If you want to quote rates from a specific insurance provider, feel free to visit that company’s website to submit a rate quote request.
Selecting an insurer is decision based upon more than just the premium amount. Get answers to these questions too.
- Is the agent CPCU or CIC certified?
- Will the company cover a rental car if your car is getting fixed?
- Does the agent recommend any additional coverage?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are claims handled at the agent’s location?
- If independent agents, which companies do they recommend?
- Does the agency provide any after hours assistance?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Below is a short list of car insurance companies in Tucson who can help you get rate quotes for Chevy Cobalt insurance in Tucson.
- Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222 – View Map - Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map - Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map
Once you have received acceptable answers to any questions you may have and a good coverage price, it’s possible that you found a company that is professional and can adequately provide insurance. Just remember it’s your coverage and you can cancel your policy for any reason so don’t think that you are obligated to your new company for any length of time.
Ratings for Arizona car insurance companies
Buying coverage from the highest-rated company can be challenging considering how many different insurance companies sell coverage in Arizona. The ranking information in the next section may help you decide which auto insurers to look at when looking for cheaper rates.
Top 10 Tucson Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Smart consumers save more
Insureds change insurance companies for any number of reasons including high prices, lack of trust in their agent, being labeled a high risk driver and denial of a claim. Regardless of your reason for switching companies, finding a new company is actually quite simple.
When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later that it was a big mistake. The ultimate goal is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.
Some insurance providers may not offer online quoting and most of the time these smaller providers only sell coverage through independent insurance agents. Lower-priced Chevy Cobalt insurance in Tucson can be purchased online as well as from independent agents in Tucson, so you should be comparing quotes from both to have the best selection.
Steps to buying cheaper Chevy Cobalt insurance in Tucson
If saving the most money is your goal, then the best way to find discount auto insurance rates is to begin comparing prices regularly from companies in Tucson.
- Step 1: Try to learn a little about how companies price auto insurance and the changes you can make to keep rates in check. Many policy risk factors that result in higher rates like speeding and an imperfect credit score can be amended by making lifestyle changes or driving safer.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers. Compare rates
- Step 3: Compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate quote, make sure there is no coverage gap between policies.
- Step 4: Notify your company or agent of your decision to cancel your current auto insurance policy and submit payment and a completed application to the new company. Don’t forget to safely store the certificate verifying proof of insurance along with your vehicle registration.
One thing to point out is to compare identical coverages on every quote and and to analyze as many car insurance companies as possible. This helps ensure a fair price comparison and a thorough price selection.
Much more information about auto insurance in Arizona can be read at these links:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Tucson? (FAQ)
- How Much is Car Insurance for Police Officers in Tucson? (FAQ)
- How Much is Auto Insurance for Welfare Recipients in Tucson? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Bad Credit in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance for Drivers Under 25? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Electronic Stability Control FAQ (iihs.org)