Top 8 Ways to Save on Auto Insurance in Greeley Colorado

Are you tired of being strong-armed to insure your vehicles every month? You are in the same boat as millions of other consumers. Drivers have so many insurers to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to locate the cheapest rates.

How to Compare Auto Insurance Costs in Greeley

There are a lot of ways to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance agencies in Greeley, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace where insurance shoppers send in one quote, and each company provides a quote based on that information. This prevents consumers from doing quote forms to every company.

To compare rates using this form now click here to start a free quote.

The only drawback to using this type of form is that you can’t choose which companies to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have a page of auto insurance companies in Colorado. Click here for list of insurance companies in Colorado.

It’s up to you which method you use, but compare identical coverages and limits with each company. If you compare mixed coverages you can’t possibly determine the best price in Greeley.

These eight discounts can lower your rates

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we researched both the well known as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Senior Discount – Older drivers may qualify for reduced rates.
  • Fewer Miles Equal More Savings – Keeping the miles down could qualify for a substantially lower rate.
  • Clubs and Organizations – Affiliation with certain professional organizations may earn a discount on auto insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of providers with discount auto insurance rates in Colorado, click here to view.<img class="alignright" style="padding-top:15px;" src="" alt="Greeley CO car insurance prices“/>

Different people need different coverages

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

  • What is covered by UM/UIM coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy additional glass protection?
  • What are the best liability limits?
  • When should I not file a claim?
  • Should I sign the liability waiver when renting a car?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like ambulance fees, doctor visits, hospital visits, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your vehicle.

Since many Colorado drivers carry very low liability coverage limits (which is 25/50/15), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance – Liability coverage protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like bail bonds, funeral expenses, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. Colorado state minimum liability requirements are 25,000/50,000/15,000 but drivers should carry more coverage.

Greeley CO car insurance prices

Collision coverages – This covers damage to your vehicle resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like rolling your car, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, theft, fire damage, hitting a bird and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Learn more about auto insurance in Colorado

Even more information is available at the Colorado DORA Division of Insurance website. Visitors are able to get help finding coverage, view a list of available companies, and find disaster information.