Car Insurance in Kersey - 6 Discounts to Save Money
Finding affordable Kersey car insurance is difficult for people who are new to buying insurance online. There are so many options that it can easily become a ton of work to locate the lowest price in Kersey.
It's important to get comparison quotes once or twice a year since rates are constantly changing. Even if you got the lowest rates on your last policy you may be paying too much now. Starting now, forget all the misinformation about car insurance because we're going to show you the tricks you need to know to save on car insurance.
How to Compare Car Insurance Costs in Kersey
Most major insurance companies allow you to get insurance quotes on their websites. Getting quotes doesn't take much effort as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain your credit score and driving record and returns a price based on these and other factors.
This makes it a lot easier to compare rates but having to visit different websites and enter the same data into a form is monotonous and tiresome. But it's very important to have as many quotes as possible in order to find the best price on car insurance.
A less time-consuming method to find cheaper rates is to use a quote form that obtains quotes from more than one company. The form is fast, reduces the work, and makes rate comparisons a little more enjoyable. After sending your information, it is rated and you can select any or none of the returned quotes.
If you find a better price it's easy to complete the application and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.
To find out if lower rates are available, click here to open in new window and enter your information. To compare your current rates, we recommend you input the limits and deductibles as shown on your current policy. This way, you will have a price comparison based on similar coverages.
Are you getting all your discounts?
The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Most are applied when you purchase, but lesser-known reductions have to be inquired about before being credited.
- Save with a New Car - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- Payment Method - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Bundle and Save - When you have multiple policies with one insurance company you will save at least 10% off all policies.
- Good Students Pay Less - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
- Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.
Keep in mind that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way. But any discount will help reduce the cost of coverage.
For a list of companies who offer car insurance discounts in Colorado, click this link.
More information can be found on the Colorado DORA Division of Insurance website found here. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, and view agent and company licensing information.
Other useful links include Auto Insurance 101 and this page where you can research Kersey insurance agents.
Shop smart and save
When you buy insurance online, don't be tempted to reduce needed coverages to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best price.
Insureds change insurance companies for a variety of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal and high prices. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.
We just covered many ideas to lower your car insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a small mutual company.
