Easy Methods to Cut Costs on Avon Auto Insurance

Shopping for the most affordable Avon auto insurance on the internet is challenging for beginners to comparison shopping online. With dozens of choices, how can consumers effectively compare every one to find the lowest rates?

Which Auto Insurance is Cheapest in Avon, Colorado?

Performing a rate comparison can take hours if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Avon, or you could save time and use the web to get the quickest rates.

All the larger companies belong to a marketplace that enables customers to only type in their quote data once, and each company provides a quote for coverage. This eliminates the need for quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify which companies to get quotes from. So if you want to choose specific insurance companies to compare, we put together a list of auto insurance companies in Colorado. Click here to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples quote information with every price quote. If you use mixed coverages it will be impossible to find the best deal in Avon.

compare Avon auto insurance rates

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Equipment add-ons that lower auto insurance rates - Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
  • Marriage brings a discount - Having a spouse helps lower the price when buying auto insurance. Having a significant other translates into being more responsible and it's proven that married drivers get in fewer accidents.
  • High deductibles save money - Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The higher the amount you have to pay, the bigger discount you will receive.
  • Multiple policies with one company can save - Some companies provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to shop around to verify if the discount is saving money.
  • Liability coverage is cheap - Your policy's liability coverage is the protection when a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Where you live can impact rates - Residing in less populated areas can save you money when insuring your vehicles. City drivers have to deal with traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you don't get every credit you deserve, you're just leaving money on the table.

  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Paperwork-free - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Club Memberships - Participating in a professional or civic organization could qualify you for a break when shopping for auto insurance.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will help reduce your premiums.

For a list of insurance companies with discount auto insurance rates in Colorado, follow this link.

Additional information can be found on the Colorado DORA Division of Insurance website located here. Colorado consumers can view a list of available companies, get help finding coverage, and report car insurance fraud.

Other useful links include this site for auto insurance rates in Colorado and this list of insurance agents in Avon, CO.

And the best car insurance company is...

Consumers leave their current company for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and policy cancellation. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Cheaper auto insurance can be sourced online as well as from independent agents in Avon, and you need to price shop both to have the best rate selection. A few companies don't offer online quoting and these regional insurance providers work with independent agents.

When trying to cut insurance costs, do not reduce needed coverages to save money. There have been many situations where drivers have reduced physical damage coverage only to discover later that it was a big mistake. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.