How to Know You're Wasting Money for Car Insurance in Evans

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you're not alone. Numerous battle for your hard-earned dollar, so it can be very hard to choose a to find the lowest rate

It's important to compare prices at least once a year due to the fact that insurance rates are constantly changing. Just because you found the lowest price a few years ago you may be paying too much now. You can find a lot of wrong information about car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.

If you have a current car insurance policy or need new coverage, you can use these techniques to find the best rates while maintaining coverages. Finding affordable coverage in Evans is quite easy. Colorado drivers only need an understanding of the proper way to compare prices over the internet.

Comprehensive Evans Car Insurance Comparison Quotes

There are several ways to compare car insurance prices and some are less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance companies in Evans, or you could use online quotes to get pricing more quickly.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and each participating company can give them a price determined by their information. This eliminates the need for quotation requests for each company you want a rate for.

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

The single downside to comparing rates this way is you cannot specify which companies you want to price. So if you want to select from a list of companies to compare rates, we have a listing of companies who write car insurance in Colorado. Click to view list.

Which method you use is up to you, but compare the exact same quote information on every quote you get. If your comparisons have mixed coverages you can't possibly determine which rate is truly the best in Evans.

How to Lower your Car Insurance Rates

It's important that you understand some of the elements that help determine the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate your rates.

Consolidate policies to earn discounts - Many companies give discounts to insureds who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it's still a good idea to shop around to verify if the discount is saving money. You may still find a better deal by buying car insurance from a different company.
Extra add-on coverages are wasting money - There are a ton of extra coverages you can purchase when buying car insurance. Coverages like vanishing deductibles, better glass coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so get rid of them and save.
Marriage brings a discount - Having a wife or husband can get you a discount when buying car insurance. Marriage translates into being more mature and responsible and statistics show being married results in fewer claims.
Older drivers save more - Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers are known to get distracted easily when behind the wheel therefore car insurance rates are much higher.
Please use or commuting - Driving more miles in a year the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Safer occupants lowers premiums - Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you.
Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Drivers who don't get tickets get better rates compared to drivers with tickets. Just one citation can bump up the cost forty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

How much can you save with discounts?

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Some trigger automatically when you quote, but a few must be manually applied before you get the savings. If they aren't giving you every credit possible, you're just leaving money on the table.

Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Low Mileage - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
E-sign - A few companies may give you up to $50 simply for signing on their website.
Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Senior Citizens - Older drivers may be able to get a small decrease in premiums.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
Save with a New Car - Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

It's important to understand that most credits do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

For a list of providers who offer car insurance discounts in Evans, follow this link.

Additional car insurance information is located on the website for the Colorado DORA Division of Insurance found here. Visitors are able to read consumer alerts, discover disciplinary actions, get help finding coverage, and read enforcement actions against agents and companies.

And the best car insurance company is...

When shopping online for car insurance, you should never reduce needed coverages to save money. Too many times, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Low-cost car insurance can be sourced both online as well as from independent agents in Evans, so you should compare both to have the best selection. Some car insurance companies don't offer online quoting and many times these small, regional companies only sell through independent insurance agents.