Free Guide to Cutting Costs on Grand Junction Auto Insurance Online

Paying for high-priced auto insurance can overdraw your savings account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to tighten up your finances.

Numerous battle for your hard-earned dollar, and because of this it can be hard to compare to find the lowest price

These discounts can lower your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be manually applied before you get the savings.

  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for better rates on cars that stay parked.
  • Own a Home - Owning a home in Grand Junction may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Claim Free - Drivers who don't have accidents can earn big discounts when compared with drivers who are more careless.
  • Clubs and Organizations - Affiliation with certain professional organizations could trigger savings when buying auto insurance.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut the cost of coverage.

auto insurance in Grand Junction

Are you falling for claims of savings?

21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies make the same claim about savings if you move your coverage to them. How do they all say the same thing?

Different companies have a preferred profile for the type of customer that earns them a profit. An example of a profitable customer might be profiled as a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile must pay a higher premium which leads to business not being written. The ad wording is "customers that switch" not "everybody who quotes" save that much money. This is how companies can truthfully advertise the way they do.

This illustrates why you should get quotes from several different companies. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Additional information is available on the website for the Colorado DORA Division of Insurance located here. Colorado drivers can discover disciplinary actions, report car insurance fraud, read industry bulletins, and find out which companies have the most complaints.

Final considerations

Cheaper auto insurance is definitely available on the web as well as from independent agents in Grand Junction, and you need to price shop both to have the best selection. Some auto insurance companies don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.