Englewood, CO Car Insurance For Less Than You’re Paying Now

Overpriced car insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a smart way to lower your monthly bill.

You have multiple insurance companies to buy insurance from, and although it’s nice to be able to choose, lots of choices makes it harder to find the lowest cost provider.

It’s smart to price shop coverage once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest price a year ago you may be paying too much now. So just forget all the misinformation about car insurance because we’re going to show you the fastest way to find lower rates on car insurance.

How your Englewood rates are determined

It’s important that you understand some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get big savings.

  • How your age affects price – Young drivers in Colorado have a tendency to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and get fewer tickets.
  • Men pay higher rates – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. They both have accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like DUI and reckless driving.
  • What are your deductibles? – The deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. The more you are required to pay out-of-pocket, the less your car insurance will be.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Protect your assets with liability insurance – Liability coverage is the protection in the event that you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.

Vehicle Insurance Comparison

To find the best car insurance prices, there are several ways to get quotes from different in Englewood, COinsurance companies. The easiest way by far to find the lowest rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate quote forms for every car insurance company. One simple form gets rate comparisons from many national carriers.

A slightly less efficient method to compare rate quotes is to take the time to go to the website for each individual company and request a quote. For example, we’ll assume you want to compare State Farm, Progressive and Farmers. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker.

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

The most time-consuming way of comparing rate quotes is to spend your day driving to and from local Englewood insurance agencies. The internet has reduced the need for local agents unless you want the trained guidance of a local Englewood agent. However, consumers can price shop online and still use a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverage limits and deductibles on every quote you get. If you have different liability limits you can’t possibly determine the best price in Englewood. Just a small difference in coverages may result in a large different in cost. Just remember that quoting more gives you a better chance of getting the best price.

Do you qualify for discounts?

Companies that sell car insurance do not list all their discounts very well, so we took the time to find both well-publicized and also the lesser-known ways to save on car insurance.

  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Paperless Signup – A handful of insurance companies give back up to $50 just for signing your application online.
  • Auto/Home Discount – If you have multiple policies with the same company you will save approximately 10% to 15%.
  • Student Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Drive Less and Save – Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

To choose insurance companies who offer car insurance discounts in Colorado, click here.Englewood insurance comparisons

Are insurance agents obsolete?

Certain consumers would prefer to buy from a local agent. One of the best bonuses of getting online price quotes is that you can obtain the best rates but also keep your business local.

After filling out this quick form, the coverage information gets sent to local insurance agents who will compete to get your business. You don’t have to visit any agencies due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! Get lower rates without the usual hassles of price shopping.

Picking an insurer shouldn’t rely on just the price. These questions are important to ask:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Who is covered by the car insurance policy?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the agency support the community they serve?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How many years of experience in personal lines insurance coverages do they have?

What types of car insurance agents are in Englewood?

If you’re trying to find a reliable agent, there are a couple of different agency structures that you can select. Insurance agencies in Englewood are either independent or captive.

Agency Captives

These agents are contracted to one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. They are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

The following are Englewood captive agents that can give you price quote information.

American Family Insurance – 7257 S Tucson Way # 115 – Englewood, CO 80112 – (303) 799-8283
State Farm Insurance – 9777 MT Pyramid Ct # 300 – Englewood, CO 80112 – (303) 604-3500
Allstate Insurance – 5050 S Federal Blvd # 9 – Englewood, CO 80110 – (720) 283-4123
Farmers Insurance Group – 9565 S Kingston Ct – Englewood, CO 80112 – (303) 840-4455

Independent Insurance Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When shopping rates, it’s recommended you contact at least one independent agent for maximum quote selection.

Below are independent insurance agents in Englewood that are able to give price quote information.

Robert B Weist Agency – 333 W Hampden Ave # 905 – Englewood, CO 80110 – (303) 789-4406
Harley Reese Agency Inc – 7936 E Arapahoe Ct # 2200 – Englewood, CO 80112 – (303) 771-9111
Colorado Insurance Search – 5995 S Kenton St – Englewood, CO 80111 – (303) 290-8942
National Insurance Ctr – 4399 S Broadway – Englewood, CO 80113 – (303) 789-1820
Strand Agency – 6800 S Dawson Cir # 203 – Englewood, CO 80112 – (303) 680-9017

To view a complete directory of Englewood insurance agents, visit this link.

insurance quote Colorado

Upon receiving positive feedback to your questions as well as a affordable price, you may have just found a car insurance agent that can insure your vehicles.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Do I benefit by insuring my home with the same company?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • When should I not file a claim?
  • Am I covered when driving a rental car?
  • Is rental equipment covered for theft or damage?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

More tips and info about car insurance is available at the Colorado DORA Division of Insurance website. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, and report car insurance fraud.

The articles below may also help you learn more about car insurance in Englewood

Cheaper insurance is a realistic goal

Throughout this article, we presented some good ideas how you can save on car insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from a smaller regional carrier. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Discount car insurance is available online and also from your neighborhood Englewood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.