How to Know You're Wasting Money for Auto Insurance in Greenwood Vlg

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, you're not alone.

Big-name insurance companies like GEICO and Progressive promote their brand names with ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates every six months because insurance rates are constantly changing. Just because you found the lowest rates a few years ago there may be better deals available now. So just block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Greenwood Vlg is easy if you know what you're doing. But Colorado drivers do need to know the way insurance companies sell online and use this information to your advantage.

How much can you save with discounts?

Companies don't list every available discount in a way that's easy to find, so we break down both well-publicized and also the lesser-known auto insurance savings.

Theft Prevention System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
Homeowners Discount - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
No Accidents - Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
Driver Safety - Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
Save over 55 - Older drivers may be able to get better auto insurance rates.
Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

Consumers should know that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies don't profit that way.

For a list of providers who offer auto insurance discounts in Greenwood Vlg, follow this link.

How to Compare Auto Insurance Quotes in Greenwood Vlg, Colorado

There are several ways to compare auto insurance prices but there is one way that is easier and takes less work. You can waste hours talking to insurance agencies in Greenwood Vlg, or you could use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies enroll in a system that allows shoppers to send in one quote, and each company can give them a price determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify the companies you want to price. If you prefer to choose specific insurance companies to compare rates, we have a page of companies who write auto insurance in Colorado. Click to view list.

Which method you use is up to you, but ensure you are comparing exactly the same quote information on every quote you get. If your comparisons have mixed coverages you can't possibly determine which rate is truly the best in Greenwood Vlg. Just a small difference in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Do the work, save more money

As you shop your coverage around, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Discount auto insurance can be sourced online and also from your neighborhood Greenwood Vlg agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.