Northglenn Colorado Car Insurance Buying Tips You Aren’t Supposed to Know

Are you a victim of high-priced car insurance? Trust us when we tell you many Northglenn consumers feel financially strained by their car insurance policy.

Big-name insurance companies like GEICO, 21st Century and Progressive continually hit you with fancy advertisements and it is difficult to ignore the flashy ads and take the time to shop coverage around.

It’s important to shop coverage around before your policy renews since rates are adjusted regularly by insurance companies. If you had the best price six months ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to find out how to use the internet to buy cheaper car insurance.

Fast and Easy Northglenn Car Insurance Quotes

All major car insurance companies such as State Farm, Allstate and GEICO quote insurance quotes on their websites. This process doesn’t take a lot of time as you just type in your personal and coverage information into a form. After you submit the form their system automatically orders reports for credit and driving violations and returns a price quote based on these factors. This streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to get many rate quotes if you want to find lower prices.

Rate comparisons made easy

The easiest way to lower your rates makes use of a single form that gets price quotes from a lot of companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much easier to do. Immediately after submitting the form, it is rated and you are able to buy any of the pricing results. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process only takes a few minutes and may result in a nice savings.

To compare rates using this form now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you type in the limits and deductibles identical to your current policy. Doing this guarantees you will have rate comparison quotes based on identical coverages.

Are car insurance companies telling the truth?

Car insurance companies such as State Farm, Allstate and GEICO continually stream television and radio advertisements. They all seem to say the same thing of big savings after switching to their company. How does each company make the same claim?

Different companies have a preferred profile for the right customer they prefer to insure. An example of a preferred risk might be between 30 and 50, has no prior claims, and has great credit. A driver that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Consumers who are not a match for the requirements will be charged higher rates and ends up with business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that much. That is how companies can state the savings. That is why it is so important to get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rates.

Understand what determines the rate you pay

It’s important that you understand the different types of things that go into determining your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get big savings.Car insurance in Northglenn CO

  • Big city or small town – Choosing to live in less populated areas has it’s advantages when it comes to car insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Fewer people means fewer accidents and a lower car theft rate.
  • What are your deductibles? – The deductibles define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more expense you have to pay, the lower your rates will be.
  • Your spouse saves you money – Having a spouse can get you a discount when buying car insurance. Marriage translates into being more mature than a single person and statistics show drivers who are married are more cautious.
  • Keep rates low by being claim-free – Insurance companies in Colorado provide cheaper rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to higher rates. Car insurance is designed for larger claims.
  • Performance makes a difference – The performance level of the vehicle you are insuring makes a substantial difference in the rate you pay. Lower performance four cylinder passenger models receive the most favorable rates, but the final cost of insurance is determined by many other factors.
  • Bundling policies can get discounts – The majority of companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money.

You probably qualify for some discounts

Companies don’t list every discount very well, so we break down both the well known as well as the least known discounts you could be receiving.

  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more depending on where you live.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Claim Free – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.

It’s important to note that some credits don’t apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

To choose insurers with the best car insurance discounts in Colorado, click this link.

Are insurance agents a thing of the past?

Certain consumers prefer to visit with an insurance agent and that is a personal choice. The biggest benefit of price shopping on the web is you may find the best rates but still work with a licensed agent.

To find an agent, once you fill out this short form, your insurance coverage information is emailed to companies in Northglenn who will give you bids for your insurance coverage. You don’t have to drive around because quoted prices will be sent immediately to your email address. How cool is that?! It’s the lowest rates AND a local agent.

Selecting an provider should depend on more than just the bottom line cost. Agents should be asked these questions:

  • Do they make recommendations based only on price?
  • Did they already check your driving record and credit reports?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Who is covered by the car insurance policy?
  • What are the financial ratings for the companies they represent?

Pick the best insurance agency in Northglenn for you

When finding a good Northglenn insurance agent, there are two types of insurance agents from which to choose. Agencies in Northglenn are categorized either captive or independent (non-captive).

Captive Agents

This type of agents are contracted to one company like Liberty Mutual, State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

The following are Northglenn captive insurance agents who may provide you with price quotes.

Shelter Insurance – 10465 Melody Dr # 102 – Northglenn, CO 80234 – (303) 450-0500
Hank Dorner State Farm Agency – 3927 E 120th Ave # A – Northglenn, CO 80233 – (303) 280-1115
American Family Insurance – 10465 Melody Dr – Northglenn, CO 80234 – (303) 280-1110
Allstate Insurance – 10465 Melody Dr # 110 – Northglenn, CO 80234 – (303) 451-7595
Farmers Insurance Group – 11990 Grant St # 306 – Northglenn, CO 80233 – (303) 410-7000

Independent Insurance Agents

Independent agents are not locked into one company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.

Car insurance in Northglenn CO

When searching for an agent, it’s a good idea to include price quotes from at a minimum one independent agency to ensure the widest selection of prices.

Listed below are independent insurance agents in Northglenn that are able to give comparison quotes.

Chavez Insurance – 11178 Huron St # 6 – Northglenn, CO 80234 – (303) 280-1078
James L Whiteley Agency – 10701 Melody Dr # 315 – Northglenn, CO 80234 – (303) 457-9080
Stengel Agency – 10701 Melody Dr # 350 – Northglenn, CO 80234 – (303) 254-6360
Todd Lucas Insurance Inc – 11150 Huron St # 209 – Northglenn, CO 80234 – (303) 452-5795
Hank Dorner State Farm Agency – 3927 E 120th Ave # A – Northglenn, CO 80233 – (303) 280-1115

To view a complete directory of insurance agents in Northglenn, please click here.

Once you have received satisfactory answers to all your questions as well as a affordable price, it’s possible that you found an insurance agent that is a good match to adequately provide car insurance.

A tidy conclusion

Discount car insurance is available from both online companies in addition to many Northglenn insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we presented a lot of tips how to reduce car insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with the least-expected company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

To find out more about Colorado car insurance

Additional detailed information can be read at the Colorado DORA Division of Insurance website. Visitors are able to file complaints about an insurance agent or broker, read consumer alerts, read industry bulletins, and download brochures.