Car Insurance Rate Quotes for a Chevy Cobalt in Portland

Insurance quote for Chevy Cobalt in PortlandTruthfully, the best way to find better pricing on Chevy Cobalt insurance is to do an annual price comparison from insurers in Portland.

One important bit of advice is to compare similar coverage information on every quote request and and to look at as many carriers as you can. Doing this enables a fair rate comparison and and a good selection of different prices.

Unbelievable but true according to a study the vast majority of drivers kept buying from the same company for at least the last four years, and approximately 38% of consumers have never shopped around. Many drivers in the United States could save 46.5% every year, but they mistakenly think it’s difficult to do a rate comparison.

When looking for low cost Portland car insurance quotes, there are a couple ways to compare rate quotes from many available auto insurance companies in Oregon. The easiest way by far to lower the rate you pay for Chevy Cobalt insurance involves getting comparison quotes online.

Online shopping is fast and free, and it replaces the need to drive to insurance agents’ offices. Comparing online rate quotes eliminates this option unless you want the trained advice that only an agent can give. You can, however, comparison shop your insurance online and get advice from an agent in your area.

Just remember that comparing more prices will increase your chances of finding more affordable insurance.

The following companies can provide free rate quotes in Portland, OR. To buy cheaper car insurance in Portland, OR, we suggest you visit as many as you can to get the best price comparison.

Chevy Cobalt insurance rate analysis

The table displayed below showcases estimates of insurance premium costs for Chevy Cobalt models. Having a good understanding how prices are determined can be useful when making smart policy decisions.


Chevrolet Cobalt Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cobalt LS 4-Dr Sedan $232 $574 $368 $22 $110 $1,306 $109
Cobalt XFE 4-Dr Sedan $232 $574 $368 $22 $110 $1,306 $109
Cobalt LS 2-Dr Coupe $266 $574 $408 $24 $122 $1,394 $116
Cobalt XFE 2-Dr Coupe $266 $574 $408 $24 $122 $1,394 $116
Cobalt LT 4-Dr Sedan $266 $574 $368 $22 $110 $1,340 $112
Cobalt LT 2-Dr Coupe $302 $574 $408 $24 $122 $1,430 $119
Cobalt SS Turbo 2-Dr Coupe $336 $746 $408 $24 $122 $1,636 $136
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can revise prices greatly.

Raise deductibles and save

A question often asked by Portland drivers is how high should the physical damage coverage deductibles be. The tables below may aid in understanding how much more rates are when you choose different insurance deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.


Chevrolet Cobalt insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cobalt LS 4-Dr Sedan $240 $586 $362 $22 $108 $1,343 $112
Cobalt XFE 4-Dr Sedan $240 $586 $362 $22 $108 $1,343 $112
Cobalt LS 2-Dr Coupe $274 $586 $400 $24 $120 $1,429 $119
Cobalt XFE 2-Dr Coupe $274 $586 $400 $24 $120 $1,429 $119
Cobalt LT 4-Dr Sedan $274 $586 $362 $22 $108 $1,377 $115
Cobalt LT 2-Dr Coupe $310 $586 $400 $24 $120 $1,465 $122
Cobalt SS Turbo 2-Dr Coupe $346 $762 $400 $24 $120 $1,677 $140
Get Your Own Custom Quote Go

Chevrolet Cobalt insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cobalt LS 4-Dr Sedan $132 $308 $362 $22 $108 $932 $78
Cobalt XFE 4-Dr Sedan $132 $308 $362 $22 $108 $932 $78
Cobalt LS 2-Dr Coupe $152 $308 $400 $24 $120 $1,004 $84
Cobalt XFE 2-Dr Coupe $152 $308 $400 $24 $120 $1,004 $84
Cobalt LT 4-Dr Sedan $152 $308 $362 $22 $108 $952 $79
Cobalt LT 2-Dr Coupe $172 $308 $400 $24 $120 $1,024 $85
Cobalt SS Turbo 2-Dr Coupe $192 $402 $400 $24 $120 $1,138 $95
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in specific Portland garaging location which can change premiums significantly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $37 more each month or $444 a year than requesting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 24 months between claim filings, you would probably come out ahead going with the higher deductible.

The illustration below illustrates how your deductible choice and can affect Chevy Cobalt insurance rates for different insured age categories. The prices are based on a single female driver, full coverage, and no discounts are taken into consideration.

Chevrolet Cobalt full coverage rates compared to liability only

The illustration below illustrates the difference between Chevy Cobalt insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Oregon. The price estimates are based on no claims or driving citations, $250 deductibles, single marital status, and no additional discounts are factored in.

Should you pay for full coverage?

There is no exact formula for phasing out physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Chevy Cobalt settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your policy deductible. If you are paying over $800 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Affordable Portland car insurance quotes with discounts

Companies do not list every available discount in a way that’s easy to find, so below is a list some of the more common in addition to some of the lesser obvious discounts that you may qualify for. If you aren’t receiving every discount you deserve, you could be paying more than you need to.Cheaper car insurance with discounts

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The illustration below shows the difference between Chevy Cobalt premium costs with and without some available policy discounts. The prices are based on a male driver, no accidents or driving violations, Oregon state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, homeowner, and multi-policy discounts applied.

To find companies with discount rates in Oregon, click this link.

Three reasons insurance is important

Even though it can be expensive, insuring your vehicle serves several important purposes.

The benefits of buying insurance greatly outweigh the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $850 per year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.

Exclusive and independent auto insurance agents

Some people still prefer to get advice from a local agent and we recommend doing that The biggest benefit of comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent.

Find insurance agent in PortlandUpon completion of this short form, your insurance coverage information is sent to insurance agents in Portland who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to contact an agency due to the fact that quote results will go to the email address you provide. Get lower rates without having to waste a lot of time. If you want to get a rate quote from one company in particular, you can always find their quoting web page and fill out their quote form.

Picking the best company should include more criteria than just a cheap price quote. Some important questions to ask are: