5 Discounts Boulder Drivers Forget when Shopping for Car Insurance

Searching for the most affordable Boulder car insurance online is challenging for people who are new to comparison shopping online. With dozens of online companies available, how can consumers have a chance to compare them all to find the best price?

It's important to compare prices quite often since rates are constantly changing. If you had the best price six months ago you may be paying too much now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

If you are insured now or need a new policy, you can use these techniques to find better prices and still get good coverage. The purpose of this post is to help you learn how to effectively get price quotes and some tricks to saving. Colorado consumers only need to know the most efficient way to buy car insurance online.

Free Quotes for Car Insurance in Boulder, Colorado

Most major insurance companies such as State Farm and Allstate provide coverage prices on the web. Getting quotes is quite simple as you simply enter your coverage information as detailed in the form. Behind the scenes, their rating system will obtain your credit score and driving record and generates pricing information based on these and other factors.

Quoting online helps simplify price comparisons, but the time it takes to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

A less time-consuming method to locate the lowest prices is to use a quote form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes quoting online much more enjoyable and efficient. Once the form is submitted, it gets priced and you are able to buy any of the returned quotes. If a lower price is quoted, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you complete the form with the coverages as close as possible to your current policy. This way, you will receive a fair comparison based on similar coverages.

Colorado car insurance

Are you getting all your discounts?

Companies do not advertise every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • 55 and Retired - Older drivers can possibly qualify for better car insurance rates.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of providers with the best car insurance discounts in Boulder, click here.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's needs are different.

For instance, these questions may help you determine whether you might need an agent's assistance.

  • Do I need to file an SR-22 for a DUI in Colorado?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

Even more information can be found at the Colorado DORA Division of Insurance website. Consumers can file complaints about a company, learn about insurance regulations, and view a list of available companies.

Boulder car insurance comparison

Best coverage at the best price

You just learned a lot of ways to lower your car insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a small local company.

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as poor customer service, denial of a claim, extreme rates for teen drivers and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.