Thornton, CO Car Insurance Buying Tips You Aren’t Supposed to Know

Nobody I know enjoys paying for car insurance, especially knowing their premiums are too high. Consumers have many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find a good deal.

Consumers need to get comparison quotes on a regular basis because insurance rates are usually higher with each renewal. If you had the best price last year you can probably find a lower rate today. Starting right now, forget all the misinformation about car insurance because it’s time to teach you the right way to reduce your cost while increasing coverage.

Finding the best rates in Thornton is quite easy. If you have a policy now or are just looking to switch companies, you can follow these tips to find better prices and still get good coverage. Colorado drivers just need to know the best way to shop for car insurance on the web.

More discounts equal less premium

Auto insurance companies don’t always publicize every discount very well, so we researched both the well known and the more hidden discounts you could be receiving. If you don’t get every credit available, you are paying more than you should be.

  • No Claims – Claim-free drivers can save substantially compared to bad drivers.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.

Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of companies offering car insurance discounts in Colorado, click here to view.Thornton CO auto insurance

Free Quotes for Car Insurance in Thornton, Colorado

Finding lower Thornton car insurance rates doesn’t have to be difficult. Just take a couple of minutes comparing price quotes online with multiple companies. This can be accomplished in several different ways.

The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quote forms to each individual car insurance company. Filling out one form will get you rate comparisons direct from many companies.

A slightly less efficient method to get comparison quotes consists of visiting each company’s website to complete their respective quote request forms. For examples sake, we’ll pretend you want to compare rates from State Farm, Allstate and Farmers. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method.

For a handy list of car insurance company links in Thornton, click here.

The hardest method to get comparison rates to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you have a need for the trained guidance that only a license agent can provide. You can, however, price shop your coverage online and get advice from an agent in your area. We’ll cover that shortly.

Whichever method you choose, ensure you’re using apples-to-apples information with every price quote. If your comparisons have higher or lower deductibles it’s not possible to find the best deal in Thornton.

price insurance in Colorado

In the end, you save

Cheaper car insurance can be purchased on the web and also from your neighborhood Thornton agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these small, regional companies work with independent agents.

In this article, we presented many tips how you can get a better price on car insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced physical damage coverage only to regret that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.