Ultimate Strategies for Cheaper Westminster, CO Auto Insurance

Beginners to buying insurance online can find finding cut-rate Westminster auto insurance quite difficult.

You should take the time to get comparison quotes every six months since insurance rates are adjusted regularly by insurance companies. Just because you had the best price on your last policy you can probably find a better price now. There is a lot of wrong information about auto insurance on the web, but I’m going to show you some excellent ideas to reduce your auto insurance bill.

This article will help educate you on how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. But Colorado car owners do need to know the methods companies use to sell insurance online.

Automobile Insurance Quotes in Westminster

When shopping for auto insurance there are multiple ways to compare quotes from auto insurance companies in your area. The quickest method to find the lowest rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  • The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method eliminates the need for multiple quote forms for each company. A single form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to get comparison quotes requires visiting each company website and complete a new quote form. For sake of this example, we’ll assume you want rates from Auto-Owners, Progressive and Allstate. To get rate quotes you would need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in Westminster, click here.
  • The least recommended method of comparing rate quotes is to spend time driving to local Westminster insurance agencies. The internet makes this process obsolete unless you prefer the professional guidance only provided by licensed Westminster agents. It is possible to obtain prices from the web but still have the advice of a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just be sure to compare the exact same deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote you can’t possibly make an equal comparison in Westminster. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, quoting more will enable you to find lower pricing.

Save big with these discounts

Car insurance can cost a lot, but there could be available discounts to reduce the price significantly. Most are applied when you quote, but less common discounts must be specially asked for in order for you to get them.

  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Driver Safety – Taking a course in driver safety could cut 5% off your bill if you qualify.

Keep in mind that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will reduce your premiums.

To choose insurance companies with discount auto insurance rates in Westminster, click here.

Comparing rates from local agents

A small number of people prefer to sit down with an agent and that is just fine! The biggest benefit of comparing rates online is you may find the lowest rates and still choose a local agent. And providing support for local businesses is especially important in Westminster.

After filling out this short form, your insurance data is sent to local insurance agents who will battle to get your business. You don’t have to even leave your home due to the fact that quote results will go straight to your inbox. Now that’s easy! Get lower rates AND a local agent.

Best insurance agent in Westminster

When searching for a local agent, there are two types of insurance agents from which to choose. Westminster agents can either be captive or independent.

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, we recommend you include at least one independent agent to have the most options to choose from. They often place coverage with different regional companies which can save you money.

The following are independent insurance agencies in Westminster that are able to give rate quotes.

  • Terry Miller Agency – 8690 Wolff Ct # 110 – Westminster, CO 80031 – (303) 425-4659
  • Country Insurance – 8501 Turnpike Dr # 103 – Westminster, CO 80031 – (303) 940-7320
  • Premier Insurance – 5720 W 88th Ave – Westminster, CO 80031 – (303) 309-3140
  • A King Agency – 5005 W 81st Pl # 400 – Westminster, CO 80031 – (720) 542-0720
  • D M Pergola Agency Inc – 7190 Julian Way – Westminster, CO 80030 – (303) 429-8188
Agency Captives

Captive agents can only place business with one company and some examples include AAA, Allstate and State Farm. Captives cannot give you multiple price quotes so they have no alternatives for high prices. Captive agencies are well schooled on their company’s products which helps them compete with independent agents. Consumers sometimes choose to use a captive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Shown below is a short list of captive agents in Westminster that are able to give comparison quotes.

  • Allstate Insurance – 9101 Harlan St # 105 – Westminster, CO 80031 – (303) 487-0168
  • State Farm Insurance – 3520 W 92nd Ave # 102 – Westminster, CO 80031 – (303) 421-6888
  • Farmers Insurance Group – 8690 Wolff Ct – Westminster, CO 80031 – (303) 666-2130
  • Shelter Insurance – 4810 W 80th Ave # L102 – Westminster, CO 80030 – (303) 430-1163
  • American Family Insurance – 11145 Sheridan Blvd # 20 – Westminster, CO 80020 – (303) 635-2227

For a complete listing of auto insurance agents in Westminster, please click here.

Choosing a car insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:

  • What insurance company do they write the most business with?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Does the agency provide any after hours assistance?
  • Do the companies they represent have a solid financial rating?
  • Who are their largest clients?

Once you have received positive responses for all questions you ask and a low price estimate, you have narrowed it down to a car insurance agent that can provide auto insurance coverage.

It’s not one size fits all

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

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  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when making deliveries for my home business?
  • Do I need PIP coverage since I have good health insurance?
  • Is my babysitter covered when using my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does liability extend to a camper or trailer?
  • Is my cargo covered for damage or theft?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Additional auto insurance information is located on the Colorado DORA Division of Insurance website located here. Consumers can download brochures, learn about insurance regulations, report car insurance fraud, and read industry bulletins.

Buy online or local, you save

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, questionable increases in premium or delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

The cheapest auto insurance can be sourced on the web as well as from independent agents in Westminster, and you need to price shop both to have the best selection. Some auto insurance companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. There have been many cases where an insured cut uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.