Free Guide to Cutting Costs on Littleton Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many Littleton consumers feeling the pinch from expensive auto insurance. You have so many to buy insurance from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage at least once a year because insurance rates are constantly changing. Even if you think you had the best rates a couple years back the chances are good that you can find a lower rate today. There is too much inaccurate information about auto insurance on the internet, so we're going to give you some great ways to save money.

These discounts can lower your rates

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of both well-publicized and the more hidden auto insurance savings. If you're not getting every credit possible, you're paying more than you need to.

Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
Save over 55 - Mature drivers may receive a discount up to 10%.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.

It's important to note that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like it's possible to get free car insurance, you're out of luck.

To see a list of providers with discount auto insurance rates in Colorado, follow this link.

How to Compare Littleton Auto Insurance Costs

Most companies like State Farm and Allstate allow you to get coverage price quotes online. Getting online rates doesn't take a lot of time as you simply enter the coverage amounts you desire as detailed in the form. Once you submit the form, the company's rating system will obtain your driving and credit reports and quotes a price. Being able to quote online makes it a lot easier to compare rates but having to visit many different websites and type in the same information is not the best way to spend an afternoon. But it's very important to do this in order to find better auto insurance pricing.

The preferred way to find better auto insurance pricing uses one simple form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes online shopping a lot less work. Immediately after you send the form, it is rated with multiple companies and you can pick any one of the price quotes you receive. If the quotes result in lower rates, it's easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To save time and find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you enter deductibles and limits exactly as shown on your declarations page. This makes sure you will be getting rate quotes based on the exact same insurance coverage.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

Shown below are some of the items that factor into your rates.

Traffic violations increase rates - Your driving record has a lot to do with how much you pay for insurance. Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates.
Don't buy coverages you don't need - There are quite a few extra coverages you can purchase on your auto insurance policy. Coverages for rental car reimbursement, better glass coverage and membership fees are examples of these. These coverages may sound good at first, but your needs may have changed so eliminate them to save money.
Men are more aggressive - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Women and men are in accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Your stress level may be raising your rates - Occupations like real estate brokers, architects and financial analysts are shown to have higher average rates attributed to high stress and lengthy work days. Conversely, occupations such as actors, engineers and retirees pay the least.
Marriage brings a discount - Getting married helps lower the price when buying auto insurance. Marriage usually means you are more mature and it's statistically proven that being married results in fewer claims.

Are you falling for claims of savings?

Colorado consumers can't get away from ads that promise big savings from companies such as State Farm and Allstate. All the ads say the same thing that you can save if you change your policy.

How does each company make almost identical claims?

All companies are able to cherry pick for the right customer that is profitable for them. A good example of a preferred risk could possibly be between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A driver who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can advertise the way they do. That is why drivers must get quotes from several different companies. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

And the best car insurance company is...

In this article, we presented a lot of information how to compare auto insurance prices online. It's most important to understand that the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with an unexpected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as .

Lower-priced auto insurance is attainable online in addition to many Littleton insurance agents, so you should compare both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There have been many cases where an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Additional detailed information can be read at the Colorado DORA Division of Insurance website. Colorado consumers can file complaints about a company, find disaster information, discover disciplinary actions, and learn about insurance regulations.