Is Your Fountain, CO Auto Insurance Costing Too Much?

Purchasing low-cost Fountain auto insurance on the internet is intimidating for consumers new to buying insurance online. With such a large number of insurers available, how can anyone possibly compare them all to find the best price?

It’s important to compare rates at least once a year since insurance rates change regularly. Just because you found the best price a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

Lower the Price of Insurance with These Tips

Consumers need to have an understanding of the factors that help determine auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to better auto insurance rates.

The following are a few of the “ingredients” that factor into prices.

  • Consolidate policies to earn discounts – Some auto insurance companies will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find better rates by buying insurance from more than one company.
  • Your spouse saves you money – Being married actually saves money on auto insurance. Having a significant other means you’re more responsible it has been statistically shown that married couples file fewer claims.
  • Theft deterrents lower rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Drive less and save money – The higher the mileage driven each year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle.

These discounts can slash auto insurance rates

Auto insurance companies don’t list all their discounts very clearly, so we took the time to find some of the best known as well as the least known auto insurance savings.

  • Accident Forgiveness – A few companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Low Mileage Discounts – Keeping the miles down could qualify for a substantially lower rate.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

For a list of companies offering auto insurance discounts in Colorado, click this link.price insurance in Fountain

Local Fountain agents and auto insurance

Certain consumers would rather sit down with an agent and that is just fine! The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent.

To make it easy to find an agent, after completing this quick form, the coverage information is emailed to agents in your area who will compete to get your business. You don’t have to even leave your home since price quotes are sent to your email. How’s that for easy! It’s the lowest rates and a licensed agent to work with.

Selecting an insurance company shouldn’t rely on just the price. Here are some questions to ask:

  • What insurance companies do they work with?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • How long has their agency been open in Fountain?
  • How are they compensated?
  • Are you getting all the discounts the company offers?

Listed below is a list of car insurance companies in Fountain willing to provide price quote information.

  • Aaires Insurance & Investments – 513 N El Paso St, Fountain, CO 80817 – (719) 382-3852
  • American Family Insurance – 709 Dale St # A, Fountain, CO 80817 – (719) 382-4900

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

After getting answers to your satisfaction to all your questions and an affordable coverage quote, it’s possible that you found a company that will adequately provide auto insurance.

For more Colorado auto insurance information

Additional detailed information can be read at the Colorado DORA Division of Insurance website. Colorado drivers can find a variety of consumer forms, discover disciplinary actions, view a list of available companies, and find out which companies have the most complaints.

In Summary

Cheap auto insurance is possible on the web as well as from independent agents in Fountain, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

People leave their current company for a variety of reasons including questionable increases in premium, lack of trust in their agent, extreme rates for teen drivers or even delays in paying claims. It doesn’t matter what your reason, finding a great new company can be pretty painless.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed physical damage coverage only to regret that they should have had better coverage. The aim is to find the BEST coverage at an affordable rate.