Free Guide to Cutting Costs on Brighton Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you you're not alone. Companies like GEICO and Progressive increase brand awareness with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

Quick Brighton Auto Insurance Quotes

Most major insurance companies allow you to get prices for coverage on the web. This process is fairly straightforward as you just enter the coverage amounts you desire as detailed in the form. Behind the scenes, the company's rating system will obtain your driving record and credit report and generates pricing information based on these and other factors. Online quotes makes comparing rates easy, but the time it takes to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find the best price on auto insurance.

There is a better way!

A less time-consuming method to find better auto insurance pricing uses one form that gets prices from many companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable and efficient. After sending your information, it is rated with multiple companies and you can pick your choice of the returned quotes. If you find a better price you simply finish the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you copy coverages and limits as shown on your current policy. This way, you are getting a price comparison based on similar coverages.

What determines how much you pay?

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that could result in big savings.

Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Your stress level may be raising your rates - Occupations such as real estate brokers, architects and dentists tend to pay the highest average rates due to high stress and lots of time spent at work. Other occupations such as actors, historians and retirees have the lowest average rates.
Careful drivers pay lower rates - Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
Bundling policies can get discounts - Some companies will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it's still a good idea to shop around to make sure you are getting the best deal. Drivers may still find a better deal by splitting coverages up.
More claims means more premium - Auto insurance companies in Colorado provide cheaper rates to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is designed for the large, substantial claims.
Better credit means lower rates - A driver's credit score is a big factor in calculating your auto insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit history is low, you could be paying less to insure your by improving your credit score.
Please use or commuting - The higher the mileage driven in a year the more you'll pay to insure your vehicle. Most companies apply a rate based on their usage. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle.

Are you getting all your discounts?

Companies don't list all available discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known auto insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

Fewer Miles Equal More Savings - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Military Rewards - Having a deployed family member could be rewarded with lower premiums.
Homeowners Discount - Owning a home in Brighton may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
Discount for Swiching Early - Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
Auto/Home Discount - When you have multiple policies with one insurance company you may save approximately 10% to 15%.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn't work that way.

For a list of insurers with discount auto insurance rates in Brighton, follow this link.

Additional detailed information can be read at the Colorado DORA Division of Insurance website. Colorado consumers can find disaster information, read industry bulletins, file complaints about a company, and read consumer alerts.

Best coverage at the best price

Affordable auto insurance is attainable online and with local Brighton insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

You just read many ways to lower your auto insurance rates. It's most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the biggest savings come from a small mutual company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as .