7 Discounts Divide Consumers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are lots of people in the same boat. Consumers have many to buy insurance from, and even though it's nice to have a choice, it can be more difficult to compare rates.

Pricing affordable car insurance coverage in Divide is quite easy. If you are insured now or need new coverage, you can use these techniques to find better prices and still get good coverage. Colorado drivers only need an understanding of the most effective way to find the lowest price online.

Don't pay full price with these seven discounts

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be inquired about prior to receiving the credit. If you're not getting every credit possible, you're just leaving money on the table.

  • Club Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
  • Fewer Miles Equal More Savings - Keeping the miles down can earn lower rates on the low mileage vehicles.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • No Charge for an Accident - Certain companies will forgive one accident without raising rates so long as you haven't had any claims for a set time period.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.
  • Student in College - Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

It's important to understand that most credits do not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will bring down your premiums.

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

Comprehensive Divide Car Insurance Comparison Quotes

Shopping for lower car insurance rates can take hours if you don't know the best way to get rate quotes. You can waste hours talking to insurance agencies in Divide, or you could save time and use online quoting to achieve your goal.

Most car insurance companies belong to an insurance system that enables customers to submit one quote, and each company returns a rated price. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is you are unable to specify the companies you want pricing from. So if you want to select from a list of companies to compare, we have a listing of car insurance companies in Colorado. View list of Colorado insurance companies.

It doesn't matter which method you choose, just compare identical deductibles and coverage limits for every quote you compare. If you are comparing different values for each quote it will be impossible to determine the best price in Divide.

A tidy conclusion

Low-cost car insurance is possible from both online companies and also from your neighborhood Divide agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, never sacrifice coverage to reduce premiums. In too many instances, an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.