Is Your Denver Car Insurance Too High? Save with These Tips

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you there are a lot of people in Denver just like you who feel imprisoned by their car insurance policy.

Insurance companies such as State Farm and GEICO all promote huge savings with TV and radio ads and it can be hard to see past the geckos and flying pigs and find the best price available.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this strategy. Finding the best car insurance rates in Denver is easy if you know what you’re doing. But Colorado drivers benefit from understanding how companies sell insurance online.

These discounts can slash car insurance rates

Companies that sell car insurance do not advertise every discount in a way that’s easy to find, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Save over 55 – Older drivers may be able to get a small decrease in premiums.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on car insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% with a few car insurance companies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles could qualify for a substantially lower rate.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.

A little note about advertised discounts, some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of insurance companies offering car insurance discounts in Colorado, click here to money image

Which Car Insurance is Cheapest in Denver, Colorado?

Most major insurance companies like GEICO, State Farm and Progressive provide prices on their websites. Getting online rates is pretty easy as you simply type in the coverages you want into a form. When complete, the system pulls your driving and credit reports and generates pricing information based on these factors. Online price quotes makes it a lot easier to compare rates but the time required to go to different websites and fill out multiple forms can get tiresome after awhile. But it is imperative to get many rate quotes if you are searching for better prices.

The better way to compare rates

The easiest way to find better car insurance pricing utilizes a single form to obtain quotes from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick any of the quote results. If you find a better price you simply finish the application and buy the new coverage. This process takes just a few minutes to complete and may result in a nice savings.

In order to compare rates now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you complete the form with the coverage information as shown on your current policy. This ensures you will receive an apples-to-apples comparison based on identical coverages.

When might I need the advice of an agent?

When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs will benefit from professional help.

free Denver CO insurance quote

  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?
  • Exactly who is provided coverage by my policy?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Do I need higher deductibles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

And the best car insurance company is…

The cheapest car insurance is possible on the web in addition to many Denver insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We covered many ideas to save on car insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest premiums are with some of the lesser-known companies. These companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.