Save Money on Longmont Auto Insurance Rates in Five Minutes

People who are new to shopping for insurance online could find shopping for the cheapest Longmont auto insurance quite difficult.

Buying affordable coverage in Longmont is quite easy. Just about everyone who carries auto insurance should be able to reduce their rates. Although Colorado car owners must know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Lots of discounts mean lots of savings

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but a few need to be asked for before they will apply.

  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less than less cautious drivers.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Student in College – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Defensive Driver – Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.

It’s important to note that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies offering auto insurance discounts in Colorado, click here to view.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Teen drivers pay high rates – Teen drivers in Colorado are statistically proven to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Men fork out a little more – Statistics have proven that women are safer drivers than men. However, don’t assume that women are better drivers. Men and women have accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as real estate brokers, social workers and stock brokers tend to have the highest rates because of job stress and lots of time spent at work. On the other hand, occupations like scientists, students and homemakers receive lower rates.
  • How credit affects auto insurance rates – Your credit score is a huge factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores. If your credit history is low, you could be paying less to insure your by spending a little time repairing your credit.
  • High numbers of claims are not good – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies in Colorado give better rates to people who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.

What about my local Longmont agents?

Certain consumers would rather buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is you can get better rates but also keep your business local. Buying from local businesses is important particularly in Longmont.

Once you complete this simple form, your insurance data is submitted to agents in your area who will battle for your coverage. You never need to leave your computer because quoted prices will be sent to your email. Now that’s easy! Get lower rates and work with a local agent.Longmont CO auto insurance

If you wish to view licensed agents in Longmont, please click here.

Choosing an insurance company needs to be determined by more than just a low price. Here are some questions to ask:

  • Do they specialize in personal lines coverage?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Which insurance companies are they affiliated with?
  • Do they carry Errors and Omissions coverage?
  • How are they compensated?

Upon getting satisfactory answers to any questions you have and an affordable coverage quote, you’ve probably found an insurer that can adequately provide auto insurance.

Do drivers who switch really save?

State Farm and Allstate regularly use ads on television and other media. All the companies make an identical promise about savings if you move to their company. But how can every company claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who are not a match for this ideal profile will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently make the claims of big savings.

This emphasizes why drivers must get as many comparisons as possible. It’s impossible to know which company will provide you with the cheapest rates.

Additional auto insurance links

More information can be read on the Colorado DORA Division of Insurance website found here. Colorado consumers can discover disciplinary actions, find a variety of consumer forms, file complaints about an insurance agent or broker, and download brochures.

Longmont CO auto insurance

Also read more on and this page of insurance agents in Longmont.

Smart shoppers get results

Throughout this article, we presented quite a bit of information on how to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company.

Lower-priced auto insurance can be purchased from both online companies in addition to many Longmont insurance agents, and you need to price shop both to have the best selection. Some companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.

Drivers leave their current company for any number of reasons including policy non-renewal, high prices, high rates after DUI convictions and delays in responding to claim requests. Regardless of your reason, finding a new company is actually quite simple.