10 Money Saving Ideas Shown to Slash the Cost of Car Insurance Costs in Littleton

Beginners to comparing rates online will discover shopping for the cheapest Littleton car insurance quite challenging.

Finding Car Insurance in Littleton

Reducing your insurance rates can be relatively painless. The only thing you need to do is spend a few minutes on the computer to compare rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotes for every car insurance company. One form compares rates from many national carriers. It’s the fastest way to compare.
  2. Another way to find lower rates requires visiting each company website and fill out their own quote form. For sake of this example, let’s assume you want rates from Liberty Mutual, Farmers and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in Littleton, click here.

  3. The hardest method of getting rate comparisons is to drive around to and from local Littleton insurance agencies. The internet can eliminate the need for a local agent unless you prefer the professional guidance only provided by licensed Littleton agents. You can, however, find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make sure you use apples-to-apples quote information for every quote you compare. If each company quotes different values for each quote it will be impossible to find the best deal in Littleton.

Don’t pay full price with these ten discounts

Car insurance companies don’t necessarily list every available discount very clearly, so we break down some of the best known and the more hidden car insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying your policy online.
  • No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10%.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than less cautious drivers.
  • Homeowners Discount – Owning a home in Littleton may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.

Drivers should understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of providers who offer car insurance discounts in Littleton, follow this link.

Buying car insurance from a local agent

Certain consumers just want to talk to a local agent. Insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of price shopping on the web is that you can obtain the best rates but still work with a licensed agent.

Upon completion of this form (opens in new window), your coverage information gets sent to local insurance agents in Littleton who will compete for your insurance coverage. There is no reason to drive around since price quotes are sent to the email address you provide. Now that’s easy!

Picking an insurer shouldn’t rely on just a cheap price. Here are some questions to ask:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • How much will you save each year by using a higher deductible?
  • Which insurance companies are they affiliated with?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

The different types of insurance agents

When researching an insurance agent, there are two different agency structures that you can select. Agents can either be captive or independent. Both types can properly insure your vehicles, but it’s good to learn the differences since it may influence the selection process.

Captive Insurance Agents

Captive insurance agents write business for a single company such as Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so they have to upsell other benefits. These agents are well schooled on their products and sales techniques which can be an advantage. Consumers often purchase coverage from captives primarily because of the prominence of the brand and strong financial ratings.

Listed below is a list of captive insurance agencies in Littleton that can give you price quote information.

  • Farmers Insurance Group – 799 W Littleton Blvd – Littleton, CO 80120 – (303) 794-5534
  • State Farm Insurance – 5125 S Kipling St # 208 – Littleton, CO 80127 – (303) 932-8876
  • Insurance Shelter – 83 Centennial Blvd – Littleton, CO 80129 – (303) 470-0474
  • American Family Insurance – 541 W Highlands Ranch Pkwy – Littleton, CO 80129 – (303) 346-2461
  • Liberty Mutual Insurance – 537 W Highlands Ranch Pkwy # 1 – Littleton, CO 80129 – (303) 346-0028
  • Allstate Insurance – 8906 W Bowles Ave # 290 # 2 – Littleton, CO 80123 – (303) 904-2375
Independent Agencies or Brokers

These agents are not employed by any specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and that require little work on your part. When comparison shopping, we recommend you include price quotes from several independent insurance agents to get the best comparison.Many can place coverage with different regional companies who may have lower rates.

Shown below are independent agencies in Littleton who can help you get price quotes.Littleton auto insurance

  • BW Insurance Agency – 7293 W Walden Dr – Littleton, CO 80128 – (303) 973-5394
  • Rick Cline Agency – 9200 W Cross Dr – Littleton, CO 80123 – (303) 932-1700
  • Insurance Arranger – 6361 S Lakeview St – Littleton, CO 80120 – (303) 798-6363
  • Diana Ashby Agency Inc – 8089 S Lincoln St – Littleton, CO 80122 – (303) 794-7607
  • Entrepreneur Insurance – 26 W Dry Creek Cir # 602 – Littleton, CO 80120 – (303) 820-3430

To view a complete directory of licensed insurance agents in Littleton, go to this page.

Once you have answers to your satisfaction to any questions you have in addition to an acceptable price estimate, you’ve probably found an insurance agency that will service your policy.

Don’t be fooled by advertising claims

Colorado consumers can’t get away from ads that promise big savings by companies like Allstate, GEICO and Progressive. All the ads say the same thing that you can save if you move to them.

How does each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the right customer that makes them money. A good example of a preferred risk might be over the age of 50, has no prior claims, and chooses high deductibles. A driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential insureds who don’t measure up to these standards must pay a more expensive rate and ends up with business not being written. The ads say “people who switch” not “people who quote” save that kind of money. That’s why companies can truthfully advertise the way they do. This illustrates why you should get as many quotes as possible. Because you never know the company that will fit your personal profile best.

Auto insurance 101

Learning about specific coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from flooding and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, doctor visits and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Coverage for liability

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, pain and suffering, structural damage, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Colorado requires minimum liability limits of 25,000/50,000/15,000 but you should consider buying higher limits.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your vehicle.

Littleton Colorado insurance quotes

Since many Colorado drivers have only the minimum liability required by law (25/50/15 in Colorado), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This pays for damage to your vehicle caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

And the best car insurance company is…

Affordable car insurance can be found online in addition to many Littleton insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not provide online quoting and these small, regional companies work with independent agents.

We’ve covered some good ideas how to get a better price on car insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from a lesser-known regional company.

When shopping online for car insurance, do not skimp on coverage in order to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Informative consumer insurance sites

Even more information can be read at the Colorado DORA Division of Insurance website. Colorado consumers can report car insurance fraud, read enforcement actions against agents and companies, and find a variety of consumer forms.