Tightwads Guide for Saving on Craig Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Comparing price quotes is a smart way to lower your monthly bill. Popular companies such as GEICO and Progressive continually bombard you with ad campaigns and consumers find it hard to sift through the bull and find the best price available.

It's important to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. If you had the best deal a few years ago you can probably find a better price now. Starting now, ignore everything you know about car insurance because I'm going to teach you the only way to find better rates and still maintain coverage.

If you are insured now or need a new policy, you will benefit by learning to find the best rates while maintaining coverages. Buying car insurance in Craig is quite easy. Colorado drivers only need an understanding of the most efficient way to get comparison rates online.

Tips to Get Lower Craig Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with better car insurance rates.

The list below includes some of the factors used by your company to calculate rates.

Your spouse saves you money - Being married actually saves money when buying car insurance. It translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
Small claims can cost you - If you are a frequent claim filer, you can expect either higher rates or even cancellation. Car insurance companies in Colorado provide cheaper rates to policyholders who do not file claims often. Car insurance is intended for the bigger claims that can't be paid out-of-pocket.
Sex matters - Statistics have proven women are more cautious behind the wheel. However, don't assume that women are BETTER drivers than men. Men and women tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like DUI and reckless driving.
Don't get talked into coverage you don't need - There are a lot of add-on coverages that you can buy when buying car insurance. Insurance for roadside assistance, towing coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so eliminate the coverages to reduce your premium.
Consolidate policies to earn discounts - The majority of companies will give a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, it's still a good idea to comparison shop to verify if the discount is saving money.
Safer cars cost less to insure - Safer cars are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.

Save big with these discounts

Companies do not advertise all their discounts in a way that's easy to find, so here is a list both the well known and also the lesser-known car insurance savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

Sign Online - Some insurance companies may give you up to $50 simply for signing digitally online.
Own a Home - Owning a house in Craig may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Government Employees - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
Senior Citizens - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Defensive Driving Course - Taking a defensive driving course could cut 5% off your bill if your company offers it.
Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Drive Less and Save - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, companies don't profit that way.

To choose companies with the best car insurance discounts in Craig, follow this link.

Car insurance ads bend the truth

Consumers in Colorado can't ignore all the ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you move your coverage to them.

How can each company claim to save you money? It's all in the numbers.

Different companies have a preferred profile for the type of customer that makes them money. An example of a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "people who quote" save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you should compare many company's rates. You cannot predict which insurance companies will provide you with the cheapest rates.

More tips and info about car insurance is available at the Colorado DORA Division of Insurance website. Visitors are able to get help finding coverage, download brochures, learn about insurance regulations, and discover disciplinary actions.

Best coverage at the best price

Cost effective car insurance is possible both online as well as from independent agents in Craig, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies don't offer online price quotes and most of the time these smaller companies sell through independent agents.

When shopping online for car insurance, it's a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price.