Free Guide to Saving Money on Glenwood Springs Auto Insurance Online

Expensive auto insurance can empty your bank account and put the squeeze on your family's finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Because there are so many companies to choose from, it's nearly impossible to locate the most cost effective insurance company.

It's important to price shop coverage quite often because insurance rates are constantly changing. Just because you found the best rates last year you will most likely find a better rate today. There is a lot of wrong information about auto insurance online but we're going to give you some great ways to put money back in your pocket.

Take advantage of discounts

Car insurance companies don't always advertise every available discount very well, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Save over 55 - If you qualify as a senior citizen, you may receive a discount up to 10%.
  • Own a Home - Being a homeowner can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Low Mileage - Low mileage vehicles could qualify for discounted rates on garaged vehicles.

It's important to note that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, you're out of luck.

Glenwood Springs auto insurance quote

How to know if you need help

When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in Colorado?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Is rental equipment covered for theft or damage?
  • Am I covered when delivering products for my home-based business?
  • What companies insure drivers after a DUI or DWI?

If you're not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Are auto insurance companies telling the truth?

Companies like Allstate and Progressive consistently run ads on TV and radio. All the ads make an identical promise that you can save if you change your policy. But how can every company make almost identical claims?

Different companies have a preferred profile for the right customer that earns them a profit. A good example of a preferred risk could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will be charged a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "people who quote" save that kind of money. This is how insurance companies can claim big savings. That is why you should compare as many rates as you can. It is impossible to predict which insurance companies will give you the biggest savings.

Additional detailed information can be read at the Colorado DORA Division of Insurance website. Colorado consumers can read consumer alerts, read enforcement actions against agents and companies, report car insurance fraud, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this directory of Glenwood Springs insurance agents.

Glenwood Springs auto insurance comparison

Do the work, save more money

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced auto insurance can be sourced online in addition to many Glenwood Springs insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.