Quote Online to Get the Cheapest Car Insurance Rates From Agents in Colorado Springs, CO

Selecting a car insurance company in Colorado Springs, CO can be time consuming since there are a lot of options and finding the best Colorado auto insurance agent is harder than just randomly choosing from the yellow pages. You require a friendly agent, but also the lowest rates in Colorado Springs.

You have so many insurance agents to pick from, and though it is a good thing to have multiple companies, it makes it harder to find the best rates for your vehicles.

How to buy car insurance from an agent in Colorado Springs

Educated insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about getting online price quotes is you can get lower rates but still work with a licensed agent.

After completing this quick form, the quote information is immediately sent to participating agents in Colorado Springs who will give you bids for your business. You won’t need to drive around due to the fact that quote results will go to your email. It doesn’t get any easier!

Picking an insurance agent shouldn’t rely on just a low price. Here are some questions to ask:

  • Can glass repairs be made at your home?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Are they properly licensed to sell insurance in Colorado?
  • If they are an independent agency, which companies do they recommend?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Can they give you a list of client referrals?

The different types of insurance agents

When finding a good Colorado Springs insurance agent, there are two types of insurance agents that you can select. Agents are categorized either independent (non-captive) or captive. Both insure your vehicles, but it’s worth learning how they differ because it can influence your selection of an agent.

Captive Insurance Agents

Captive agents are contracted to one company such as Allstate, Farmers Insurance, State Farm and AAA. Captives cannot give you multiple price quotes so they have no alternatives for high prices. Captives are trained well on their products and sales techniques and that can be a competitive advantage. Consumers often buy from captive agents partially due to high brand loyalty and solid financial strength.

Below is a short list of captive agencies in Colorado Springs that are able to give comparison quotes.

  • State Farm Insurance – 6750 N Academy Blvd – Colorado Springs, CO 80918 – (719) 598-8211
  • Allstate Insurance – 2975 Broadmoor Valley Rd # 204 – Colorado Springs, CO 80906 – (719) 226-0057
  • Liberty Mutual Insurance – 730 Village Center Dr – Colorado Springs, CO 80919 – (719) 531-9777
  • Farmers Insurance Group – 5333 N Union Blvd # 100 – Colorado Springs, CO 80918 – (719) 210-6055
  • American Family Insurance – 3510 Austin Bluffs Pkwy # 1 – Colorado Springs, CO 80918 – (719) 593-2923
  • Shelter Insurance – 2210 Academy Pl # A – Colorado Springs, CO 80909 – (719) 574-9544
Independent Agents

Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When searching for an agent, it’s recommended you include several independent insurance agents for maximum quote selection. They also have the ability to place coverage with smaller companies which can save you money.

Below is a list of independent insurance agencies in Colorado Springs that can give you comparison quotes.

  • Hansen Agency – 6170 Lehman Dr # 108 – Colorado Springs, CO 80918 – (719) 599-5757
  • Manny Strauch Agency Inc – 6645 Delmonico Dr # 100 – Colorado Springs, CO 80919 – (719) 536-0416
  • Barbara Kontny Insurance Inc – 1745 S 8th St – Colorado Springs, CO 80906 – (719) 633-4600
  • Thompson Agency – 3520 Galley Rd # 100 – Colorado Springs, CO 80909 – (719) 574-0507
  • Insurance House – 5180 N Union Blvd # 5 – Colorado Springs, CO 80918 – (719) 548-8008

To view a full list of insurance agents in Colorado Springs, visit this site.

After getting satisfactory answers as well as a affordable price, you have narrowed it down to an auto insurance agent that will properly insure your vehicles.

But what about GEICO, Progressive and Esurance?

Local insurance agents serve a purpose, but you also have the option of buying direct online. Some specific companies like State Farm and Allstate who employ agents also let you buy a policy online. This is something to consider if you’re trying to lower your rates.

If you’re uncomfortable with choosing your own coverages, that shouldn’t be an issue. Insurance companies have toll-free phone numbers and other options to walk you through the process.

The only way to know if the best rates are online or from local agents is to get rates from both and compare them. You may actually get a different price returned by the same company depending on where you get the price quote from. But you can’t find out which method provides the best price unless you actually compare identical quotes each way.

Are online companies cheaper? It’s difficult to provide an answer since companies use quite a few components which can adversely affect your policy premium. Some people think that buying directly from the company saves money by not requiring a commission. But in most cases, advertising budgets are huge and that can quickly cost more than paying an agent.

Summing up your car insurance search

While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Insureds who switch companies do it for many reasons like poor customer service, delays in paying claims, being labeled a high risk driver or policy cancellation. Regardless of your reason for switching companies, switching car insurance companies is pretty easy and you might even save some money in the process.

To learn more about car insurance in Colorado

More detailed Colorado car insurance information is located at the Colorado DORA Division of Insurance website. Colorado drivers can report car insurance fraud, find a variety of consumer forms, find out which companies have the most complaints, and read enforcement actions against agents and companies.

Colorado Springs CO insurance quotes

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