Top 8 Ways to Pay Less on Car Insurance in Fairplay

No one in their right mind enjoys paying for car insurance, particularly when the cost is too high. With so many choices of insurance companies, it can be hard to locate the lowest price insurer.

Locating affordable car insurance in Fairplay can be fairly easy. If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Colorado vehicle owners just need to know the tricks to shop for car insurance on the web.

These eight discounts can lower your rates

Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. Some discounts apply automatically when you complete an application, but some may not be applied and must be specially asked for before they will apply. If you don't get every credit you qualify for, you are throwing money away.

Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Safety Course Discount - Taking a defensive driving course can save you 5% or more if you qualify.
Good Student - Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
Discount for Life Insurance - Select insurance companies reward you with a break if you buy life insurance from them.
Multiple Policy Discount - If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don't profit that way. But all discounts will help reduce the cost of coverage.

Different people need different coverages

When it comes to buying coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is a little different so your insurance needs to address that. For instance, these questions might point out whether you may require specific advice.

Am I covered if I drive in a foreign country?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I have combined single limit or split liability limits?
Should I buy only the required Colorado minimum liability coverage?
When does my teenage driver need to be added to my policy?
What are the best liability limits?
Can I rate high risk drivers on liability-only vehicles?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers in Colorado get pounded daily by advertisements for cheaper car insurance by Progressive, Allstate and GEICO. They all say the same thing that you'll save big if you change to their company.

But how can every company claim to save you money?

Different companies have a certain "appetite" for the driver that earns them a profit. A good example of a driver they prefer might be over the age of 50, owns a home, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will be quoted higher rates which usually ends up with the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. That is how companies can state the savings.

This emphasizes why drivers should compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

Much more information about car insurance in Colorado can be read on the website for the Colorado DORA Division of Insurance located here. Visitors are able to download brochures, read consumer alerts, discover disciplinary actions, and file complaints about a company.

Also read more on this online resource for car insurance quotes in Colorado and this list of insurance agents in Fairplay.

In the end, you save

When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. There are too many instances where an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Discount car insurance is attainable both online and also from your neighborhood Fairplay agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.