Finding the cheapest insurance for your Chevy Cobalt in California can normally be an all-consuming task, but you can learn our insurance buying tips to find lower rates.
There are both good and bad ways to find insurance online and we’ll show you the quickest way to price shop coverage for your Chevy and find the best price possible either online or from Irvine insurance agents.
It’s a great practice to get comparison quotes every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rate on Chevy Cobalt insurance in Irvine at your last renewal you will most likely find a better price today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the easiest ways to lower your rates without sacrificing coverage.
Quoting the lowest-priced protection in Irvine is not as hard as you may think. If you already have coverage or are looking for a new policy, use these tips to find better prices without reducing protection. Comparison shoppers just need to know the most efficient way to compare prices online from multiple companies.
Take policy discounts and save on Chevy Cobalt insurance in Irvine
Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so the following list contains some of the more common as well as some of the hidden credits available to bring down your rates.
- Sign Online – A handful of companies will give a small break just for signing your application on the web.
- Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total Cobalt insurance premium.
- Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Full Payment Discount – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accidents.
- Active Military Service – Having an actively deployed family member may qualify for rate reductions.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.
The diagram below illustrates the comparison of Chevy Cobalt insurance prices with and without discounts applied to the policy rates. Data assumes a male driver, no violations or accidents, California 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-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.
A list of auto insurance companies and the discounts they provide are:
- GEICO policyholders can earn discounts including driver training, daytime running lights, five-year accident-free, seat belt use, and air bags.
- Auto-Owners Insurance includes discounts for safe driver, mature driver, paid in full, company car, and anti-lock brakes.
- American Family may have discounts that include TimeAway discount, air bags, mySafetyValet, multi-vehicle, early bird, and defensive driver.
- Esurance may include discounts for paid-in-full, emergency road assistance, renters, multi-car, anti-lock brakes, anti-theft, and good student.
- Progressive has savings for multi-policy, homeowner, good student, continuous coverage, and online signing.
- State Farm offers discounts including multiple autos, good driver, passive restraint, Steer Clear safe driver discount, good student, safe vehicle, and anti-theft.
- AAA offers discounts for anti-theft, multi-car, multi-policy, good driver, education and occupation, and AAA membership discount.
If you want affordable Irvine auto insurance quotes, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in Irvine. If you would like to see a list of companies that offer many of these discounts in Irvine, click here.
Finding low cost car insurance prices is actually easier than you may think. The only thing you need to do is invest a little time comparing rates online from several insurance companies.
The providers in the list below provide price quotes in Irvine, CA. To find the best auto insurance in Irvine, we recommend you visit as many as you can to get the cheapest price.
Chevy Cobalt insurance analysis
The rate table shown next covers a range of policy rates for Chevy Cobalt models. Having insight into how rates are established can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $208 | $564 | $564 | $34 | $168 | $1,538 | $128 |
| Cobalt XFE 4-Dr Sedan | $208 | $564 | $564 | $34 | $168 | $1,538 | $128 |
| Cobalt LS 2-Dr Coupe | $238 | $564 | $624 | $36 | $186 | $1,648 | $137 |
| Cobalt XFE 2-Dr Coupe | $238 | $564 | $624 | $36 | $186 | $1,648 | $137 |
| Cobalt LT 4-Dr Sedan | $238 | $564 | $564 | $34 | $168 | $1,568 | $131 |
| Cobalt LT 2-Dr Coupe | $270 | $564 | $624 | $36 | $186 | $1,680 | $140 |
| Cobalt SS Turbo 2-Dr Coupe | $300 | $734 | $624 | $36 | $186 | $1,880 | $157 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in specific location information which can affect auto insurance rates greatly.
Higher deductibles save money
One frequently asked question is how low should you set your deductibles. The rates shown below sum up the rate difference when you choose different physical damage coverage deductibles. The first rate table uses a $100 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $332 | $810 | $500 | $30 | $150 | $1,847 | $154 |
| Cobalt XFE 4-Dr Sedan | $332 | $810 | $500 | $30 | $150 | $1,847 | $154 |
| Cobalt LS 2-Dr Coupe | $380 | $810 | $552 | $32 | $166 | $1,965 | $164 |
| Cobalt XFE 2-Dr Coupe | $380 | $810 | $552 | $32 | $166 | $1,965 | $164 |
| Cobalt LT 4-Dr Sedan | $380 | $810 | $500 | $30 | $150 | $1,895 | $158 |
| Cobalt LT 2-Dr Coupe | $430 | $810 | $552 | $32 | $166 | $2,015 | $168 |
| Cobalt SS Turbo 2-Dr Coupe | $478 | $1054 | $552 | $32 | $166 | $2,307 | $192 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $242 | $546 | $500 | $30 | $150 | $1,468 | $122 |
| Cobalt XFE 4-Dr Sedan | $242 | $546 | $500 | $30 | $150 | $1,468 | $122 |
| Cobalt LS 2-Dr Coupe | $278 | $546 | $552 | $32 | $166 | $1,574 | $131 |
| Cobalt XFE 2-Dr Coupe | $278 | $546 | $552 | $32 | $166 | $1,574 | $131 |
| Cobalt LT 4-Dr Sedan | $278 | $546 | $500 | $30 | $150 | $1,504 | $125 |
| Cobalt LT 2-Dr Coupe | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| Cobalt SS Turbo 2-Dr Coupe | $348 | $712 | $552 | $32 | $166 | $1,810 | $151 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in your specific Irvine location which can influence premiums significantly.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $34 more each month or $408 a year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 12 months between claim filings, you would probably save some money if you opt for a higher deductible. Below is a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $165 |
| Average monthly premium for $500 deductibles (subtract): | – $131 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
One thing to note is that a higher deductible results in a higher out-of-pocket expense if you have a claim. That will require some money saved in order to pay the deductible.
Age, gender, and Chevrolet Cobalt insurance
The information below visualizes the comparison of Chevy Cobalt insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Can’t I compare rate quotes from local Irvine insurance agents?
Certain consumers still like to buy from a licensed agent. Agents are very good at helping people manage risk and will help you if you have claims. An additional benefit of comparing rates online is you may find cheap car insurance rates and still have a local agent. And providing support for local insurance agencies is still important in Irvine.
Upon completion of this short form, the coverage information is immediately sent to insurance agents in Irvine who can give free rate quotes to get your business. It’s much easier because you don’t need to find an agent because quoted prices will be sent to your email. If you have a need to get a comparison quote from a specific insurance company, you can always jump over to their website to submit a rate quote request.
If you need to find a reliable insurance agency, there are two different agency structures and how they are slightly different. Car insurance policy providers are classified as either exclusive or independent agents depending on their company appointments. Both types of agents can provide car insurance policies, but it is a good idea to know how they are different since it can affect buying decisions.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent do not work for one specific company and that gives them the ability to insure with multiple insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you can keep the same agent. When comparing car insurance prices, you should always compare prices from independent agents in order to compare the most rates. A lot of them also have access to companies you’ve never heard of that may provide cheaper car insurance rates.
Featured below are independent agents in Irvine that can possibly get you price quotes.
- Journey Insurance
9541 Irvine Center Dr – Irvine, CA 92618 – (888) 323-7480 – View Map - Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270 – View Map - USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897 – View Map
Exclusive Agencies
Agents in the exclusive channel work for only one company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are usually well trained in insurance sales which helps them sell on service rather than price. Drivers often use the same exclusive agent mainly due to loyalty to the company rather than having the cheapest rates.
Below are exclusive agents in Irvine that are able to give rate quotes.
- State Farm: Jim Canty
3200 El Camino Real #110 – Irvine, CA 92602 – (949) 769-2600 – View Map - Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 – View Map - Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 – View Map
Choosing the best insurance agent should include more criteria than just the premium amount. Below are some questions you should ask.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Where would glass claims be handled in Irvine?
- What are their preferred companies if they are an independent agency?
- Is there a local claims center in Irvine?
- Does the company use OEM repair parts?
- Do they get extra compensation for selling add-on coverages?
What is YOUR best insurance company?
While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.
Insureds change insurance companies for any number of reasons including not issuing a premium refund, denial of a claim, poor customer service or unfair underwriting practices. Regardless of your reason, choosing a new insurance company is not as hard as you think.
The cheapest Chevy Cobalt insurance in Irvine is definitely available on the web as well as from insurance agents, and you need to comparison shop both to have the best selection. Some companies may not offer the ability to get a quote online and these small, regional companies only sell through independent agents.
Steps to finding the cheapest rates for Chevy Cobalt insurance in Irvine
To save the most money, the best way to find low-cost prices for Chevy Cobalt insurance in Irvine is to start comparing prices yearly from different companies that insure vehicles in California.
- Gain an understanding of what is in your policy and the measures you can take to keep rates in check. Many rating criteria that cause high rates such as at-fault accidents, speeding tickets, and an imperfect credit history can be improved by making minor changes in your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can give you price quotes from many different companies. Find an Irvine insurance agent
- Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate, verify that coverage does not lapse between policies.
- Give notification to your current company of your intent to cancel your current policy and submit any necessary down payment along with the completed application to the new company. Immediately upon receiving it, keep your new proof of insurance certificate in a readily accessible location in your vehicle.
The most important part of shopping around is that you use identical deductibles and limits on every quote and and to get quotes from as many different insurance providers as possible. This helps ensure a fair price comparison and a complete selection of prices.
More detailed insurance information can be read in these articles:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for 17 Year Olds in Irvine? (FAQ)
- Who Has Cheap Auto Insurance for Good Drivers in Irvine? (FAQ)
- Who Has the Cheapest Irvine Car Insurance Rates for Police Officers? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What is Covered by GAP Insurance? (Allstate)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)