Popular Tricks for Buying Brighton Auto Insurance for Less Money

Are you a victim of an overpriced auto insurance policy? Trust us, you’re not alone.

You have so many insurers to pick from, and even though it’s nice to have multiple companies, it makes it harder to compare company pricing.

Choosing the best insurance company for you in Brighton is not rocket science. If you currently have a car insurance policy, you should be able to save some money using these techniques. But Colorado consumers do need to learn the way insurance companies sell insurance online and use this information to your advantage.

Compare the Market for Auto Insurance in Brighton, Colorado

There are a variety of methods to shop for auto insurance, and some are less time-consuming than others. You could waste time talking about coverages with insurance companies in Brighton, or you can stay home and use the web to get rate comparisons in just a few minutes.

All the larger companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company can give them a price. This prevents consumers from doing quote requests for every auto insurance company.

To find out what other companies charge click to open in new window.

The only drawback to using this type of system is that consumers can’t choose which insurance companies to get quotes from. So if you want to choose from a list of companies to compare rates, we put together a list of companies who write auto insurance in Colorado. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage limits on every quote. If you enter mixed coverages then you won’t be able to determine which rate is truly the best in Brighton. Slightly different coverage limits may result in large price differences. Just remember that obtaining a wide range of quotes will enable you to find the best rates.

Be sure to get all your discounts

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we took the time to find some of the best known as well as the least known auto insurance savings.

  • Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount when shopping for auto insurance.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.

Consumers should know that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

What about my local Brighton agents?

Certain consumers would rather buy from a local agent. One of the great benefits of price shopping on the web is you can get better rates but also keep your business local.

After completing this quick form, your coverage information is instantly submitted to insurance agents in Brighton who will compete for your insurance coverage. You won’t need to leave your computer due to the fact that quote results will go to your email. How cool is that?! You can find the lowest rates and an insurance agent to talk to.Brighton CO insurance quotes

Deciding on an provider should depend on more than just the price. Some important questions to ask are:

  • What insurance company do they write the most business with?
  • Will your rates increase after a single accident?
  • If you are a high risk driver, do they have special markets for your coverage?
  • If your car is totalled, how to they determine the replacement cost?
  • Can glass repairs be made at your home?
  • Do they receive special compensation for putting your coverage with one company over another?

Brighton insurance agencies come in two flavors

When searching for a reliable agent, you need to know there are two different agency structures from which to choose. Brighton agents are classified as either independent (non-captive) or captive.

Agency Captives

This type of agents write business for a single company such as American Family, Liberty Mutual and AAA. They generally cannot compare other company’s rates so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Below is a short list of captive agents in Brighton who may provide you with rate quotes.

State Farm Insurance – 530 E Bromley Ln # 120 – Brighton, CO 80601 – (303) 659-9077
Farmers Insurance Group – 39 S 4th Ave # B – Brighton, CO 80601 – (303) 659-0828
Farm Bureau Insurance – 1295 E Bridge St # 101 – Brighton, CO 80601 – (303) 659-3082
American Family Insurance – 70 N 4th Ave – Brighton, CO 80601 – (303) 659-0190

Independent Agents (or Brokers)

Independent agencies are not locked into one company but rather can write business amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, you should always contact at a minimum one independent agency for maximum quote selection.

Shown below is a short list of independent insurance agencies in Brighton that are able to give price quote information.

All Drivers Insurance – 124 N Main St – Brighton, CO 80601 – (720) 685-8602
Strong’s Insurance – 51 S 1st Ave – Brighton, CO 80601 – (303) 659-3762

To view a complete directory of licensed insurance agents in Brighton, visit this site.

After getting acceptable answers and locked in a price quote, you’ve probably found a car insurance agent that can service your policy.

Car insurance in Brighton

When might I need an agent?

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can help discover if you might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered by my policy?
  • What happens if I owe more than my vehicle is worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do no-fault laws apply in Colorado?
  • At what point should I drop full coverage?
  • Should I sign the liability waiver when renting a car?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Get Cheaper Rates by Understanding Pricing

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get lower auto insurance prices.

The list below includes some of the factors companies use to determine your rates.

  • A clean driving record saves money – Good drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can increase rates by as much as thirty percent. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
  • Performance influences rates – The type of car you own makes a significant difference in your rates. Small economy passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
  • Lower rates come with age – Older insureds are more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Men fork out a little more – Statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Both sexes are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like reckless driving and DUI.
  • Lower deductibles cost more – Your deductibles define the amount you are required to spend if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage caused by hail, and windstorm damage. The higher the amount you’re willing to pay, the bigger discount you will receive.

More comparisons equals lower rates

Affordable auto insurance is definitely available on the web as well as from independent agents in Brighton, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the best price.

Colorado insurance information

Even more information is located at the Colorado DORA Division of Insurance website. Consumers can find out industry alerts, file complaints about an insurance agent or broker, and view agent and company licensing information.

Also read more on BankRate.com’s Car Insurance: When not to Skimp and this list of agents in Brighton, CO.