Brighton Car Insurance Buying Tips You Aren’t Supposed to Know

Are you tired of paying out the nose each month for car insurance? You’re in the same situation as many other drivers in Colorado.

There are many insurers to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to find the best rates.

Consumers need to take a look at other company’s rates every six months because insurance rates are usually higher with each renewal. Despite the fact that you may have had the best deal last year you can probably find a better price now. Don’t believe everything you read about car insurance on the internet, so by reading this article, you’re going to learn some excellent ideas to slash your car insurance rates.

Finding affordable coverage in Brighton is not rocket science. Essentially anyone who buys car insurance will most likely be able to save money. Nevertheless, Colorado car owners can benefit by having an understanding of how the larger insurance companies market insurance on the web and apply this information to your search.

Educated Consumers Know How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Protect yourself with liability coverage – Liability insurance is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Older drivers pay less – Young drivers in Colorado are known to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers.
  • Do you know you’re credit rating? – Having a bad credit rating is a large factor in determining what you pay for car insurance. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit ratings. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your by repairing your credit.
  • Multi-policy discounts can save money – Most companies provide better rates to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to compare rates to verify if the discount is saving money.
  • What are your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, collision with an animal, and rolling your vehicle. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive.
  • You might want pay the small claims yourself – Auto insurance companies in Colorado give discounts to drivers who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • Where you reside plays a part – Choosing to live in less populated areas can be a good thing when insuring your vehicles. Urban drivers tend to have much more traffic and longer commute times. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.

Compare Quotes for Brighton Car Insurance

When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The best method to find the lowest rates involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.

The fastest way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method saves time by eliminating separate quote forms to each individual car insurance company. Filling out one form gets you price quotes from multiple companies.lower rates in Brighton

A slightly less efficient method to analyze rates consists of visiting the website of each company and complete a new quote form. For example, we’ll pretend you want comparison quotes from Nationwide, Esurance and Farmers. You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

For a list of links to companies insuring cars in Brighton, click here.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverages for every company. If each company quotes mixed coverages it will be next to impossible to make a fair comparison in Brighton. Just a small difference in insurance coverages may result in large price differences. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting the best rates.

You probably qualify for some discounts

Companies offering auto insurance don’t always publicize all available discounts very well, so we researched both the well known as well as the least known ways to save on car insurance.

  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.
  • Auto/Home Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.

It’s important to note that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of companies offering car insurance discounts in Brighton, follow this link.

There’s no such thing as the perfect policy

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • When should I drop full coverage on my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • What are Colorado no-fault laws?
  • Should I buy additional glass protection?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

lower rates in Brighton

More tips and info about car insurance is available at the Colorado DORA Division of Insurance website. Consumers can find a variety of consumer forms, report car insurance fraud, file complaints about a company, and view a list of available companies.

The best insurance company isn’t always the cheapest

We just covered many tips how you can get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the best prices are with a small local company. These companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

Lower-priced car insurance is definitely available on the web in addition to many Brighton insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.