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