Find Cheaper Estes Park Car Insurance

Finding the lowest cost Estes Park car insurance on the web can seem to be rather challenging for beginners to comparing rates online. Because there are so many online companies, how can consumers possibly compare every one to find the best available price?

If you have a current car insurance policy or need new coverage, you can learn to find the best rates and still get good coverage. Locating affordable protection in Estes Park can be fairly easy. Colorado drivers only need an understanding of the most effective way to get comparison quotes over the internet.

Take advantage of discounts

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known ways to save on car insurance. If they aren't giving you every credit you deserve, you are throwing money away.

  • Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Accident Waiver - A few companies will forgive one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Auto/Life Discount - Larger companies have lower rates if you buy a life insurance policy as well.
  • Own a Home - Owning a home in Estes Park may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Good Student Discount - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Student in College - Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

It's important to understand that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, it doesn't quite work that way.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies make the same claim of big savings after switching your coverage to them.

How do they all make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer could be a mature driver, insures multiple vehicles, and has great credit. A customer who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile must pay a higher premium which leads to business going elsewhere. The ads state "customers that switch" not "people who quote" save that much money. This is how insurance companies can confidently advertise the savings. This illustrates why you should get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

More tips and info about car insurance can be read at the Colorado DORA Division of Insurance website. Consumers can find out which companies have the most complaints, get help finding coverage, and file complaints about an insurance agent or broker.

A tidy conclusion

Low-cost car insurance can be purchased from both online companies as well as from independent agents in Estes Park, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you many ideas to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies.