Learn the Secrets to Saving Money on Commerce City Car Insurance

Finding lower premiums on Commerce City car insurance can seem to be a challenge for consumers new to comparing rates online. Consumers have so many options that it can be a challenge to find the best price in Commerce City.

It’s important to compare prices periodically due to the fact that insurance rates are variable and change quite frequently. If you had the best rates two years ago you can probably find a lower rate today. There is a lot of bad advice regarding car insurance online, so I’m going to show you some good information on how to put money back in your pocket.

If you are insured now or need a new policy, you can use these tips to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to let you in on how car insurance quotes work and some tricks to saving. Colorado vehicle owners just need to understand the proper methods to compare prices on the web.

Car Insurance Comparison Rates in Commerce City, CO

There are a variety of methods to compare car insurance prices but some are more efficient than others. You can spend countless hours discussing policy coverages with insurance companies in Commerce City, or you can utilize the internet to maximize your effort.

Most major companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company can provide price quotes for coverage. This system prevents you from having to do repetitive form submissions to each company. To submit your quote information now, click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly the providers to receive prices from. If you would rather choose specific insurance companies to compare prices, we have a page of companies who write car insurance in Colorado. Click here for list of insurance companies in Colorado.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage information for each price quote. If the quotes have different liability limits it’s not possible to make a fair comparison in Commerce City.

The fine print in car insurance ads

Colorado drivers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all have a common claim of big savings after switching to them.

How do they all say the same thing?

All companies have a certain “appetite” for the type of driver that is profitable for them. A good example of a preferred risk could possibly be over the age of 40, is a homeowner, and has great credit. A customer who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards will be quoted higher premiums and ends up with business not being written. The ads say “people who switch” not “everyone that quotes” save that much. That’s why companies can truthfully advertise the way they do.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-67.jpg" alt="Commerce City CO car insurance prices” />

This emphasizes why drivers must get as many comparisons as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Save money by taking advantage of these discounts

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but a few must be requested specifically prior to receiving the credit. If you don’t get every credit possible, you’re just leaving money on the table.

  • Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Accident Waiver – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Low Mileage Discounts – Fewer annual miles can qualify you for better rates on cars that stay parked.
  • Organization Discounts – Affiliation with a civic or occupational organization may earn a discount on your policy.
  • Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think you can get free auto insurance, companies don’t profit that way. But any discount will cut your premiums.

What happened to insurance agents?

Some people just want to buy from a licensed agent and that is just fine! Good agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent. Supporting small agencies is important particularly in Commerce City.

To make it easy to find an agent, after completing this short form, your insurance coverage information is immediately sent to companies in Commerce City who will battle for your insurance coverage. There is no reason to leave your computer due to the fact that quote results will go immediately to your email address. How’s that for easy!

Pick the best insurance agent in Commerce City for you

When looking for a local agent, there are a couple of types of insurance agents to choose from. Commerce City agents can either be independent or captive. Both write coverage properly, but it’s good to learn the difference between them because it can influence your agent selection.

Independent Agents

Independent insurance agents are not locked into one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, it’s a good idea to include price quotes from at least one independent agent to get the best comparison.Many can place coverage with smaller companies which can save you money.

Shown below is a list of independent agencies in Commerce City that may be able to provide comparison quotes.

  • Jergensen Insurance – 7260 Magnolia St – Commerce City, CO 80022 – (303) 288-0522
  • Insurance Solutions Inc – 7250 Monaco St – Commerce City, CO 80022 – (303) 777-4000
Captive Insurance Agents

This type of agents write business for a single company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Captives are well schooled on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives mostly because of the prominence of the brand and solid financial strength.

Listed below is a list of captive insurance agencies in Commerce City willing to provide price quote information.

  • Allstate Insurance – 6401 E 72nd Ave # 105 – Commerce City, CO 80022 – (303) 853-4140
  • American Family Insurance – 4545 E 60th Ave – Commerce City, CO 80022 – (303) 853-9400
  • State Farm Insurance – 6025 E Parkway Dr # 190 – Commerce City, CO 80022 – (303) 288-4604

To view a complete directory of Commerce City captive agents, visit this site.

save money concept

Selecting an insurance agent needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

  • Who are their largest clients?
  • Do they feel the quoted coverages are adequate?
  • Which company do they place the most coverage with?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How much can you save by raising your physical damage deductibles?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are claims handled at the agent’s location?

Upon receiving acceptable answers to these questions and locked in a price quote, chances are good that you have found an insurance agency that will insure your vehicles.

Additional car insurance information can be found on the Colorado DORA Division of Insurance website. Click here for link. Visitors are able to find out industry alerts, read consumer alerts, and read enforcement actions against agents and companies.

Quote often and quote early

You just read many ways to save on car insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a smaller regional carrier.

Cheap car insurance is attainable on the web in addition to many Commerce City insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, delays in responding to claim requests, policy cancellation and not issuing a premium refund. Regardless of your reason, choosing a new company is easier than you think.