Free Guide to Spending Less for Westminster Car Insurance Online

Searching for the cheapest Westminster car insurance over the internet is somewhat difficult for beginners to shopping for insurance online. With so many insurers to choose from, how can Westminster drivers even start to compare every one to find the best pricing?

Compare Quotes for Westminster Car Insurance

Most major insurance companies provide coverage price quotes on the web. Getting online quotes is quite simple as you simply type in your required coverages as detailed in the form. Behind the scenes, the system pulls your driving and credit reports and returns a price based on many factors.

This makes it a lot easier to compare rates but the time required to go to multiple sites and fill out multiple forms gets old quite quickly. But it is imperative to perform this step in order to get better car insurance pricing.

The preferred way to get multiple rate quotes is to use a quote form that gets price quotes from many companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. As soon as the form is sent, it is rated and you are able to buy any of the pricing results. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and may result in a nice savings.

To quickly find out what other companies charge, click here and enter your information. If you currently have coverage, we recommend you enter the insurance coverages exactly as shown on your declarations page. Doing this assures you will be getting comparison quotes based on similar coverages.

Are you falling for claims of savings?

Car insurance companies such as Allstate, GEICO and Progressive regularly use television and radio advertisements. They all seem to say the same thing of big savings if you move your coverage to them. How does each company make the same claim? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. For example, a driver they prefer might be profiled as between 25 and 40, insures multiple vehicles, and has great credit. A driver who fits that profile will get very good rates and therefore will save a lot of money.

Drivers who don’t qualify for the “perfect” profile will have to pay higher prices which leads to business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make the claims of big savings. Because of the profiling, you need to get as many comparisons as possible. Because you never know which insurance companies will provide you with the cheapest rates.

Lower the Price of Insurance with These Tips

An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. Understanding what impacts premium levels enables informed choices that may reward you with better car insurance rates.

Listed below are some of the factors car insurance companies consider when setting rates.

  • Do you know you’re credit rating? – Having a bad credit score is a large factor in determining what you pay for car insurance. If your credit history is lower than you’d like, you could potentially save money when insuring your by repairing your credit. People with excellent credit tend to be more responsible than those with poor credit.
  • Never go without insurance – Not having insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, but not being able to provide proof of insurance can result in a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with the Colorado motor vehicle department.
  • Mature drivers pay less – Teen drivers in Colorado are known to be less responsible when driving so they pay higher car insurance rates. Parents adding a youthful driver onto a policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Little extras can really add up – There are a lot of extra bells and whistles that you can buy on your car insurance policy. Coverages like roadside assistance, towing coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
  • More claims means more premium – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance companies in Colorado generally give lower rates to insureds who file claims infrequently. Car insurance is intended for larger claims.

Save money by taking advantage of these discounts

Companies that sell car insurance do not list all available discounts very well, so we took the time to find some of the best known as well as the least known ways to save on car insurance.

  • No Claims – Claim-free drivers can save substantially compared to frequent claim filers.
  • Own a Home – Owning a house in Westminster can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Forgiveness – Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.

It’s important to understand that most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.Colorado car insurance prices

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

When might I need an agent?

When buying coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether you may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I crash into my own garage door?
  • How much liability coverage do I need in Colorado?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Will my rates increase for filing one claim?
  • Is Colorado a no-fault state?
  • How do I file an SR-22 for a DUI in Colorado?
  • When do I need to add a new car to my policy?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

What about my local Westminster agents?

Some people would rather get advice from a local agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you may find better rates but also keep your business local.

By using this simple form, your insurance coverage information gets sent to participating agents in Westminster who will return price quotes for your coverage. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. How cool is that?! You can find better rates and an insurance agent to talk to.

Deciding on an insurer requires more thought than just a low price. Any agent should be forthright in answering these questions:

  • Is the agency involved in supporting local community causes?
  • Do they make recommendations based only on price?
  • What are the financial ratings for the companies they represent?
  • What insurance companies do they work with?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Which members of your family are coverage by the policy?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Captive and independent Westminster insurance agencies

When searching for a good insurance agency, there are two types of insurance agents that you can select. Insurance agencies in Westminster are either independent (non-captive) or captive.

Captive Agents

Captive insurance agents write business for a single company and some examples include State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so always compare other rates. Captive agencies are trained well on their products and sales techniques which can be an advantage. Consumers sometimes buy from captive agents mostly because of high brand loyalty and solid financial strength.

The following is a list of captive agents in Westminster that are able to give price quote information.

  • Shelter Insurance – 3489 W 72nd Ave # 207 – Westminster, CO 80030 – (303) 427-5200
  • State Farm Insurance – 7318 Federal Blvd – Westminster, CO 80030 – (303) 428-6185
  • Farmers Insurance Group – 2701 W 84th Ave # 201 – Westminster, CO 80031 – (303) 428-6512
  • Allstate Insurance – 8704 Yates Dr # 115 – Westminster, CO 80031 – (303) 429-2600
  • American Family Insurance – 11145 Sheridan Blvd # 20 – Westminster, CO 80020 – (303) 635-2227
Independent Agents (or Brokers)

These agents do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and that require little work on your part. When comparison shopping, it’s a good idea to include at a minimum one independent agency for the best price selection. Most have the option of insuring with smaller companies which may provide better rates.

Below are independent agents in Westminster willing to provide comparison quotes.

  • A King Agency – 5005 W 81st Pl # 400 – Westminster, CO 80031 – (720) 542-0720
  • Steve Coleman Agency – 8791 Wolff Ct # 230 – Westminster, CO 80031 – (303) 412-5990
  • D M Pergola Agency Inc – 7190 Julian Way – Westminster, CO 80030 – (303) 429-8188
  • Insurance Advisors – 8774 Yates Dr – Westminster, CO 80031 – (303) 996-5274
  • Palmer Insurance Network – 8778 Wolff Ct # 101 – Westminster, CO 80031 – (303) 487-7400

To view a full list of licensed insurance agents in Westminster, view this link.

Upon receiving positive feedback to all your questions and locked in a price quote, you have narrowed it down to a car insurance agent that can service your policy.

In Summary

People leave their current company for a variety of reasons including policy non-renewal, questionable increases in premium, policy cancellation and even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

Discount car insurance can be found both online and also from your neighborhood Westminster agents, so compare prices from both to have the best selection. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

We’ve covered a lot of information how to get a better price on car insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with a smaller regional carrier.

Even more information is located at the Colorado DORA Division of Insurance website. Colorado drivers can file complaints about a company, discover disciplinary actions, view a list of available companies, and download brochures.