Chevy Cobalt Insurance Quotes in Louisville

Insurance quote for Chevy Cobalt in LouisvilleReally, the only way to find better pricing on Chevy Cobalt insurance in Louisville is to start comparing prices regularly from companies that sell auto insurance in Kentucky.

An important note is that you’ll want to make sure you compare the same coverage limits and deductibles on every price quote and and to get price estimates from as many companies as you can. Doing this enables a fair price comparison and the best price selection.

We don’t have to tell you that auto insurance companies don’t want policyholders to shop around. Insureds who shop around for better prices are likely to buy a new policy because there is a high probability of finding coverage at a cheaper rate. A recent survey revealed that consumers who regularly compared rates saved an average of $3,450 over four years as compared to drivers who didn’t regularly shop around.

If finding the best rates on Chevy Cobalt insurance in Louisville is your ultimate goal, then having some knowledge of how to get price quotes and compare insurance coverage can save time, money, and frustration.

Companies offering Chevy Cobalt insurance in Louisville

The companies shown below provide quotes in Louisville, KY. To locate cheap car insurance in Kentucky, we recommend you click on several of them to get a more complete price comparison.

Data for Chevy Cobalt insurance

The premium information shown below showcases a range of insurance coverage prices for Chevy Cobalt models. Having a good grasp of how insurance premiums are determined is important for you to make smart choices when selecting a coverage provider.

Chevrolet Cobalt Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cobalt LS 4-Dr Sedan $140 $344 $354 $20 $106 $964 $80
Cobalt XFE 4-Dr Sedan $140 $344 $354 $20 $106 $964 $80
Cobalt LS 2-Dr Coupe $160 $344 $392 $24 $118 $1,038 $87
Cobalt XFE 2-Dr Coupe $160 $344 $392 $24 $118 $1,038 $87
Cobalt LT 4-Dr Sedan $160 $344 $354 $20 $106 $984 $82
Cobalt LT 2-Dr Coupe $180 $344 $392 $24 $118 $1,058 $88
Cobalt SS Turbo 2-Dr Coupe $202 $448 $392 $24 $118 $1,184 $99
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in vehicle location which can revise auto insurance rates noticeably.

Can higher deductibles save money?

One common question asked by Louisville drivers is how high should the physical damage coverage deductibles be. The following tables may aid in understanding the costs and benefits when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.

Chevrolet Cobalt insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cobalt LS 4-Dr Sedan $244 $598 $368 $22 $110 $1,367 $114
Cobalt XFE 4-Dr Sedan $244 $598 $368 $22 $110 $1,367 $114
Cobalt LS 2-Dr Coupe $280 $598 $408 $24 $122 $1,457 $121
Cobalt XFE 2-Dr Coupe $280 $598 $408 $24 $122 $1,457 $121
Cobalt LT 4-Dr Sedan $280 $598 $368 $22 $110 $1,403 $117
Cobalt LT 2-Dr Coupe $318 $598 $408 $24 $122 $1,495 $125
Cobalt SS Turbo 2-Dr Coupe $354 $778 $408 $24 $122 $1,711 $143
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Chevrolet Cobalt insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cobalt LS 4-Dr Sedan $178 $404 $368 $22 $110 $1,082 $90
Cobalt XFE 4-Dr Sedan $178 $404 $368 $22 $110 $1,082 $90
Cobalt LS 2-Dr Coupe $206 $404 $408 $24 $122 $1,164 $97
Cobalt XFE 2-Dr Coupe $206 $404 $408 $24 $122 $1,164 $97
Cobalt LT 4-Dr Sedan $206 $404 $368 $22 $110 $1,110 $93
Cobalt LT 2-Dr Coupe $232 $404 $408 $24 $122 $1,190 $99
Cobalt SS Turbo 2-Dr Coupe $258 $526 $408 $24 $122 $1,338 $112
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can impact insurance rates considerably.

We can derive from the above data that using a $100 deductible costs about $25 more each month or $300 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 16 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Impact of citations and accidents on Louisville insurance rates

The example below shows how traffic citations and at-fault claims can increase Chevy Cobalt car insurance costs for each different age category. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Do you qualify for discounts on Chevy Cobalt insurance in Louisville?

Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be asked for before you will receive the discount.

Policy discounts save money, but most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

The diagram below illustrates the difference between Chevy Cobalt insurance rates with and without some available policy discounts. The premiums are based on a male driver, no violations or accidents, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, multi-policy, and marriage discounts applied.

A list of companies and their possible discounts can be read below.

Before you buy a policy, ask all companies you are considering the best way to save money. Some credits might not be available to policyholders in Louisville. To find auto insurance companies offering auto insurance discounts in Kentucky, click here to view.

Situations that may require an agent’s advice

When quoting and comparing the right insurance coverage, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Insurance agent or online?

Many drivers still like to get advice from a local agent and doing that can be a smart decision Most agents can help you build your policy and help file insurance claims. One of the benefits of getting online price quotes is that you can obtain the best rates but still work with a licensed agent. And buying from local agencies is definitely important in Louisville.

Upon completion of this form (opens in new window), the coverage information is submitted to participating agents in Louisville who can give free rate quotes for your coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go instantly to you. If for some reason you want to compare prices from a specific insurance company, don’t hesitate to go to their quote page and give them your coverage information.

The difference between Louisville auto insurance agents

When narrowing the list to find a local agent, there are a couple of different agency structures that you can select. Agencies in Louisville can be classified as either independent (non-exclusive) or exclusive. Either one can provide insurance policies, but it’s important to point out the subtle differences because it can factor into buying decisions.

Independent Insurance Agencies

These type of agents are not employed by one company and that allows them to write policies through many companies depending on which coverage is best. If they find a cheaper price, your policy is moved internally which is easy for the insured.

When comparing insurance rates, you absolutely need to check rates from independent agents to get the best comparison.

Shown below are independent insurance agencies in Louisville who can help you get cheap rate quotes.

11420 Bluegrass PkwyLouisville, KY 40299(502) 499-6880View Map

2000 Envoy Cir # 2000Louisville, KY 40299(502) 736-7000View Map

6801 Dixie Hwy #232Louisville, KY 40258(502) 933-2255View Map

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Exclusive Agents

Agents in the exclusive channel generally can only insure with one company and examples are State Farm or Allstate. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price.

Listed below is a short list of exclusive insurance agents in Louisville that can give you rate quotes.

1005 Dupont Square NLouisville, KY 40207(502) 897-6426View Map

7619 Dixie HwyLouisville, KY 40258(502) 937-5256View Map

6608 Bardstown Rd aLouisville, KY 40291(502) 231-2350View Map

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Choosing a insurance agency needs to be determined by more than just a cheap price. These are some valid questions you should ask.

Persistence will pay off

As you restructure your insurance plan, do not reduce needed coverages to save money. There are many occasions where an insured dropped full coverage only to regret they didn’t have enough coverage. The ultimate goal is to get the best coverage possible for the lowest price and still be able to protect your assets.

We just covered some good ideas how you can reduce Chevy Cobalt insurance prices online in Louisville. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable Louisville auto insurance quotes. You may even be surprised to find that the lowest priced insurance comes from some of the lesser-known companies. Smaller companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

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