Centennial Auto Insurance Buying Tips You Aren’t Supposed to Know

Overpriced auto insurance can dwindle your personal savings, especially in this economy. Comparison shopping is free and is an excellent way to cut your insurance bill. Companies like GEICO, Farmers Insurance and State Farm continually hit you with TV and radio ads and it can be hard to see through the deception and effectively compare rates to find the best deal.

It’s a good habit to do rate comparisons periodically due to the fact that insurance rates change regularly. Just because you found the lowest rates last year you can probably find a lower rate today. Starting right now, block out anything you think you know about auto insurance because you’re going to learn the easiest way to save on auto insurance.

How to Buy Centennial Auto Insurance Online

Most major insurance companies allow you to get price estimates on the web. Getting online quotes is pretty painless as you simply type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their system automatically retrieves your driving and credit reports and quotes a price. This makes it a lot easier to compare rates but having to visit many different websites and complete many quote forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you are searching for better prices.

Quote rates the easy way

The preferred way to get multiple rate quotes is to use a quote form that gets prices from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons much more efficient. After sending your information, it gets priced and you can select your choice of the returned quotes. If you find a better price you simply finish the application and purchase the new policy. It takes 15 minutes at the most and may save quite a bit of money.

If you want to get comparison pricing now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you input your coverages exactly as they are listed on your policy. This ensures you will receive a price comparison for similar insurance coverage.

Discounts are great for lower rates

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you are throwing money away.

  • Multiple Policy Discount – If you have multiple policies with one company you will save at least 10% off all policies.
  • Homeowners Savings – Owning a home in Centennial can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Claim Free – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Resident Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than less cautious drivers.
  • Multiple Cars – Insuring all your vehicles on the same auto insurance policy can get a discount on all vehicles.

It’s important to understand that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

To see a list of companies with discount auto insurance rates in Colorado, click this link.insurance quote Centennial

Your local neighborhood insurance agent

Certain consumers would prefer to buy from a licensed agent and that is a personal choice. Licensed agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you may find the best rates but still work with a licensed agent.

To find an agent, once you fill out this simple form, your information is submitted to insurance agents in Centennial who will give you bids for your coverage. You won’t need to leave your computer due to the fact that quote results will go directly to your email. How cool is that?!

Picking a company requires more thought than just the price. Some important questions to ask are:

  • How long have they worked with personal auto insurance coverage?
  • If they are an independent agency, which companies do they recommend?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • What insurance company do they write the most business with?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • What will you get paid if your car is a total loss? How is that amount determined?

Multiple types of insurance agencies in Centennial

When looking for an insurance agent, there are a couple of types of agencies to choose from. Agents can either be captive or independent. While both can properly insure your vehicles, but it’s important to know the difference between them because it can impact your agent selection.

Captive Agents

These agents can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. They receive extensive training on the products they sell which helps them sell insurance even at higher premiums.

The following are captive agencies in Centennial that can give you comparison quotes.

Farmers Insurance Group – 6970 S Holly Cir # 105 – Centennial, CO 80112 – (303) 773-3387
Colorado Farm Bureau Mutual – 9177 E Mineral Cir – Centennial, CO 80112 – (303) 749-7500
American Family Insurance – 6478 S Quebec St # 3 – Centennial, CO 80111 – (303) 798-8300
Shelter Insurance – 2275 E Arapahoe Rd # 103 – Centennial, CO 80122 – (303) 795-5839
State Farm Insurance – 6901 S Yosemite St # 201 – Centennial, CO 80112 – (303) 770-7990
Allstate Insurance – 8262 S University Blvd # 140 – Centennial, CO 80122 – (303) 694-0692

Independent Agents

Independent agents do not work for one specific company so they can insure your vehicles with many different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, it’s recommended you include at a minimum one independent agency for the best price selection.

Centennial CO car insurance

Listed below is a short list of independent insurance agents in Centennial willing to provide price quotes.

Brooke Insurance – 6825 S Galena St # 312 – Centennial, CO 80112 – (303) 346-2001
Collins Agency – 5367 S Lewiston St – Centennial, CO 80015 – (303) 699-1346
Susan Decarlo-Steele Agency – 7500 E Arapahoe Rd – Centennial, CO 80112 – (720) 493-4493
Lee Wood Agency – 7385 E Peakview Ave – Centennial, CO 80111 – (303) 646-8942
David R West Insurance Inc – 12201 E Arapahoe Rd # B15 – Centennial, CO 80112 – (303) 790-4333

To view a full list of insurance agents in Centennial, click here to link.

Upon getting satisfactory answers to your questions and a good coverage price, it’s possible that you found an auto insurance agent that can properly service your auto insurance policy.

Even more information can be found at the Colorado DORA Division of Insurance website. Colorado consumers can find out which companies have the most complaints, view a list of available companies, report car insurance fraud, and learn about insurance regulations.

Quote often and quote early

In this article, we presented many ways to compare auto insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even find the best prices are with a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

Lower-priced auto insurance is attainable both online and with local Centennial insurance agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies do not offer online price quotes and these small, regional companies work with independent agents.