Little Known Techniques to Paying Less for Grand Junction, CO Auto Insurance

Are you sick and tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other Colorado consumers.

Numerous car insurance companies battle for your business, and it can be difficult to compare rates to find the absolute best rate

How your Grand Junction rates are determined

Smart consumers have a good feel for the factors that go into determining auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get better auto insurance rates.

  • The type of vehicle makes a difference – The make and model of the vehicle you are insuring makes a big difference in your rates. Economy passenger cars usually have the lowest rates, but the final cost of insurance is determined by many other factors.
  • Consolidate policies to earn discounts – Most insurers provide better rates to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
  • A lapse in coverage is a bad thing – Not having insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. And not only will your rates increase, failure to provide proof of insurance might get you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with the Colorado motor vehicle department to get your license reinstated.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you.

Grand Junction Auto Insurance Quote Comparison

Most companies like State Farm and Allstate give coverage prices directly from their websites. Getting quotes is quite simple as you simply type in your coverage preferences as requested by the quote form. After you complete the form, the company’s rating system will order your credit score and driving record and quotes a price. Online quotes simplifies rate comparisons, but the process of having to visit different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to find lower prices.

Rate comparisons made easy

The preferred way to get multiple rate quotes requires only one form to return rates from many companies. This type of form saves time, requires much less work on your part, and makes online price comparison a little more enjoyable. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process only takes a few minutes and may result in a nice savings.

To save time and find out how much you can save on auto insurance, simply click here to open in new window and submit the form. To compare your current rates, we recommend that you enter coverages and limits just like they are on your policy. This way, you’re receiving rate comparison quotes based on identical coverages.

Discounts are great for lower rates

Companies don’t always publicize every available discount very well, so we took the time to find some of the best known as well as the least known savings tricks you should be using.

  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
  • Senior Discount – Older drivers may be able to get better auto insurance rates.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less than drivers with accidents.
  • Early Switch Discount – Select companies give a discount for signing up before your current policy expires. It’s a savings of about 10%.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.

More tips and info about auto insurance can be found at the Colorado DORA Division of Insurance website. Consumers can view a list of available companies, file complaints about an insurance agent or broker, learn about specific coverages, and download brochures.

Grand Junction Colorado car insurance quote

Compare but don’t skimp

The cheapest auto insurance is available online and with local Grand Junction insurance agents, so compare prices from both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

You just learned many tips how you can save on auto insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.