Tightwads Guide to Saving on Colorado City Auto Insurance

Paying for high-priced auto insurance can overdraw your checking account and force you to prioritize other expenses. Comparison shopping is a smart way to tighten up your finances.

Having so many companies and agents to choose from, it is very difficult to choose the lowest cost insurer.

It's important to compare prices quite often because prices are constantly changing. If you had the lowest price two years ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the internet, so we're going to give you some great ways to stop overpaying for insurance.

Colorado City auto insurance quote

More discounts equal less premium

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few must be specially asked for before you will receive the discount.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Save over 55 - Older drivers can possibly qualify for a small decrease in premiums.
  • Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
  • Anti-theft Discount - 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 on your policy.
  • Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will help reduce your premiums.

For a list of providers with the best auto insurance discounts in Colorado, follow this link.

Free Quotes for Auto Insurance in Colorado City, Colorado

Most major insurance companies provide price estimates online. This process is quite simple as you simply enter your coverage information into the quote form. Once entered, the company's rating system will obtain reports for credit and driving violations and returns a price quote. This streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to perform this step if you want to find a lower rate.

Quote rates the easy way

A more efficient way to locate the lowest prices uses one form to return rates from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes price shopping online much more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any or none of the quotes that you receive.

If a lower price is quoted, you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended you enter coverages and limits as close as possible to your current policy. This helps ensure you will get an apples-to-apples comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone's situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in Colorado?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Do I really need UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

The best insurance company isn't always the cheapest

When buying insurance coverage, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Cheaper auto insurance is definitely available online as well as from independent agents in Colorado City, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.