Free Guide to Cutting Costs on Fleming Car Insurance Online

Sick and tired of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners in Colorado. There is such a variety of to buy insurance from, and even though it's nice to be able to choose, so many choices can make it hard to compare rates.

The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Colorado drivers only need an understanding of the most efficient way to buy car insurance on the web.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to big savings.

Shown below are a partial list of the pieces that factor into prices.

  • High numbers of claims are not good - If you frequently file small claims, you can definitely plan on higher rates. Companies in Colorado award lower rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Your stress level may be raising your rates - Careers like judges, business owners and financial analysts are shown to have higher average rates due to job stress and lots of time spent at work. Conversely, occupations such as farmers, engineers and retirees pay the least.
  • Policy add-ons can waste money - There are quite a few extra bells and whistles that can waste your money on your policy. Coverages for rental car reimbursement, accident forgiveness and membership fees may be costing you every month. They may seem good initially, but your needs may have changed so eliminate them to save money.
  • Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. They both are in accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • Clean credit earns discounts - Having a bad credit score is a big factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower ratings. If your credit rating is low, you could save money insuring your by spending a little time repairing your credit.
  • How many coverages with the same company - Some insurers provide better rates to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it's still a good idea to comparison shop to confirm you are receiving the best rates possible. Drivers may still find better rates by buying car insurance from a different company.
  • Protect yourself with liability coverage - Your policy's liability coverage will protect you when you are found to be at fault for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Optional equipment can affect rates - Driving a car with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.

compare Fleming car insurance rates

Are you getting all your discounts?

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Certain discounts will be applied when you purchase, but less common discounts must be specifically requested before being credited. If you're not getting every credit available, you are paying more than you should be.

  • Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • No Claims - Claim-free drivers pay much less when compared to accident-prone drivers.
  • Low Mileage Discounts - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • One Accident Forgiven - Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints - Cars that have air bags may earn rate discounts of up to 25% or more.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Multiple Policy Discount - If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.

It's important to understand that most discount credits are not given to the entire cost. Most cut specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will bring down the cost of coverage.

To choose insurance companies with discount car insurance rates in Colorado, click here to view.

How can State Farm, Allstate and GEICO save drivers who switch?

Consumers can't ignore all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all make an identical promise of big savings if you change your policy.

How does each company make the same claim? It's all in the numbers.

All the different companies can use profiling for the right customer that makes them money. For instance, a driver they prefer could be between the ages of 30 and 50, is a homeowner, and has excellent credit. A customer who meets those qualifications gets the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher prices and ends up with business going elsewhere. The ads say "customers who switch" not "everybody who quotes" save that kind of money. That's why insurance companies can confidently make those claims.

This emphasizes why you should get as many comparisons as possible. Because you never know the company that will have the lowest rates.

Learn more today

Additional car insurance information is located on the website for the Colorado DORA Division of Insurance found here. Consumers can download brochures, read industry bulletins, discover disciplinary actions, and learn about insurance regulations.

Best coverage at the best price

Low-cost car insurance is attainable from both online companies in addition to many Fleming insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online price quotes and these small, regional companies work with independent agents.

We just showed you some good ideas how you can save on car insurance. It's most important to understand that the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest rates come from a small mutual company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as .