Granby Auto Insurance For Less Than You're Paying Now

Finding the lowest price for Granby auto insurance can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how.

It's important to compare rates occasionally since insurance rates are constantly changing. If you had the lowest price a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to learn one of the easiest ways to find the best coverage while lowering your premiums.

Be sure to get all your discounts

Car insurance companies don't always publicize every available discount very well, so we researched some of the best known and the harder-to-find ways to save on auto insurance. If you don't get every credit you qualify for, you are throwing money away.

Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Service Members Pay Less - Having a family member in the military can result in better rates.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
Federal Employees - Active or retired federal employment can earn a discount up to 10% with certain companies.
Multi-policy Discount - If you have multiple policies with one company you may earn 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

You have some control over your rates

Smart consumers have a good feel for the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get better auto insurance rates.

The list below includes a partial list of the pieces auto insurance companies consider when setting your rates.

How credit affects auto insurance rates - Your credit rating is a huge factor in determining your rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower ratings. If your credit can use some improvement, you could potentially save money when insuring your by improving your rating.
One company can mean more discounts - The majority of auto insurance companies give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare other company rates to ensure the best deal.
Safer cars cost less to insure - Safer cars tend to have better insurance rates. Safer cars reduce injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
You might want pay the small claims yourself - Insurance companies in Colorado give discounts to insureds who are claim-free. If you file claims often, you can pretty much guarantee higher rates. Car insurance is intended to be relied upon for larger claims.

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone's situation is unique.

For example, these questions might point out whether or not you might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Can I still get insurance after a DUI?

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Is there truth in advertising?

Colorado drivers get pounded daily by advertisements for cheaper car insurance by Allstate and Progressive. All the ads make the same claim about savings if you move to their company.

But how can every company say the same thing? This is how they do it.

Different companies have a certain "appetite" for the driver that earns them a profit. For instance, a preferred risk might be profiled as between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher prices which leads to business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do. That is why drivers should compare as many rates as you can. It's not possible to predict which company will provide you with the cheapest rates.

Even more information is located at the Colorado DORA Division of Insurance website. Colorado drivers can find out industry alerts, read consumer alerts, and find disaster information.

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

Best coverage at the best price

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. Too many times, an insured cut liability coverage limits only to discover later that the savings was not a smart move. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Insureds who switch companies do it for any number of reasons including policy cancellation, policy non-renewal, unfair underwriting practices and even poor customer service. Regardless of your reason, switching auto insurance companies is less work than it seems.

Cheaper auto insurance is possible on the web and also from your neighborhood Granby agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.