7 Discounts Carbondale Drivers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you you're not alone. Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you are insured now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Finding the best rates in Carbondale is not that difficult. Colorado consumers only need to know the best way to shop for car insurance online.

These seven discounts can lower your rates

Companies do not advertise every discount in a way that's easy to find, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you aren't receiving every discount possible, you are paying more than you should be.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Low Mileage Discounts - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Drivers Ed for Students - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • No Charge for an Accident - A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Discount for Good Grades - This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only cut specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

To choose insurance companies with the best car insurance discounts in Carbondale, click here to view.

Are you falling for claims of savings?

Consumers can't ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all make an identical promise about savings if you move to their company.

How can each company make the same claim? It's all in the numbers.

All the different companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, has no tickets, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be quoted a higher premium and ends up with business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully state the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

Find out more about car insurance

Even more information can be found at the Colorado DORA Division of Insurance website. Consumers can read industry bulletins, find disaster information, download brochures, and view a list of available companies.

car insurance in Carbondale

In the end, you save

The cheapest car insurance is possible from both online companies and also from your neighborhood Carbondale agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.