La Salle Car Insurance For Less Than You're Paying Now

Finding lower rates for La Salle car insurance is a challenge for beginners to comparison shopping online. Drivers have so many companies to choose from that it can be a big hassle to find lower rates in La Salle.

It's important to check car insurance prices once or twice a year because rates are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. Don't believe everything you read about car insurance online but I'm going to show you some great ways to save money.

Be sure to get all your discounts

The price of auto insurance can be rather high, but there are discounts available that many people don't even know exist. Some trigger automatically when you quote, but some may not be applied and must be asked for before you get the savings. If you're not getting every credit available, you're paying more than you need to.

  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Military Rewards - Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Bundle and Save - When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Early Signing - A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of companies offering car insurance discounts in Colorado, click here.

Colorado car insurance quotes

Fast and Easy La Salle Car Insurance Quotes

There are several ways you can shop for car insurance and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance companies in La Salle, or you can utilize the web to get prices fast.

Many insurance companies participate in an industry program that allows shoppers to submit one quote, and each participating company then returns a price quote for coverage. This prevents consumers from doing quote requests to each individual car insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you cannot specify which carriers you want to price. So if you want to select specific providers to compare rates, we put together a list of low cost car insurance companies in Colorado. Click here for list of insurance companies in Colorado.

Whichever method you choose, double check that you are using identical coverage limits and deductibles on every quote you get. If you use different liability limits it will be next to impossible to determine which rate is truly the best in La Salle.

What determines how much you pay?

An important part of buying insurance is that you know the factors that go into determining your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower car insurance prices.

Listed below are some of the items companies use to determine rates.

  • More miles equals more premium - The more miles you rack up on your car every year the more you will pay for car insurance. Most companies rate vehicles based upon how you use the vehicle. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance policy shows how each vehicle is driven.
  • Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Better credit means lower rates - Credit score is a large factor in your rate calculation. If your credit rating is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Big city or small town - Being located in a rural area can be a good thing when it comes to car insurance. Urban drivers have much more traffic and longer commute times. Fewer drivers means fewer accidents and a lower car theft rate.
  • Performance makes a difference - The make and model of the car you own makes a big difference in determining your rates. The most favorable rates are generally reserved for small economy passenger cars, but there are many factors that impact the final cost.
  • How's your driving record? - Your driving citation history has a lot to do with how much you pay for insurance. Good drivers receive lower rates than bad drivers. Even a single moving violation can increase rates by twenty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
  • Having a spouse can save you money - Getting married can actually save you money on car insurance. It is viewed as being more responsible and it's statistically proven that drivers who are married are more cautious.

Is there truth in advertising?

Consumers can't get away from ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to have a common claim about savings if you switch to them.

How does each company make the same claim?

All companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured could be between 25 and 40, has no tickets, and has great credit. A customer that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the savings.

Because of the profiling, drivers must get quotes from several different companies. Because you never know the company that will give you the biggest savings.

In the end, you save

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. In many instances, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at an affordable rate.

Drivers switch companies for many reasons like delays in paying claims, unfair underwriting practices, policy cancellation or policy non-renewal. Regardless of your reason, finding the right car insurance provider is actually quite simple.

We just showed you a lot of ways to compare car insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a company that doesn't do a lot of advertising.

compare La Salle car insurance rates

More Colorado car insurance information

Additional information can be read on the Colorado DORA Division of Insurance website through this link. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and find out industry alerts.

Additional helpful sites include Auto Insurance 101 and this page where you can research La Salle insurance agents.