Best Way to Find Low-Cost Lone Tree Car Insurance

Finding lower premiums on Lone Tree car insurance is a challenge for beginners to comparing rates online. Drivers have so many options that it can turn into a big hassle to compare prices in Lone Tree.

Take advantage of discounts

Car insurance companies don't always advertise all available discounts very well, so here is a list some of the more common as well as the least known ways to save on car insurance.

Fewer Miles Equal More Savings - Fewer annual miles can qualify you for better rates on cars that stay parked.
Payment Method - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
Auto/Home Discount - When you combine your home and auto insurance with the same company you will save approximately 10% to 15%.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Student in College - Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurers who offer car insurance discounts in Colorado, click this link.

Compare the Market for Car Insurance in Lone Tree

There are several ways to compare quotes and find the best price. The best method to find the lowest rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

The best way to get quotes for comparison is to use a rate comparison form click to view form in new window. This form keeps you from doing separate quotation requests to each individual car insurance company. Taking the time to complete one form gets rate comparisons from car insurance companies with the best prices. This is by far the quickest method.
Another way to compare rate quotes is spending the time to visit the website for every company you want to comare and complete a new quote form. For examples sake, let's say you want rates from , and . To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Lone Tree, click here.
The hardest way to get comparison rates is driving around to different Lone Tree agent offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance only provided by licensed Lone Tree agents. Drivers can obtain prices from the web and still use a local agent and we'll talk about that later.

It's up to you how you get prices quotes, just double check that you are using apples-to-apples information on every quote. If the quotes have higher or lower deductibles it's not possible to make a fair comparison in Lone Tree. Having just a slight variation in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding the best price.

Lone Tree Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in big savings.

The following are some of the factors car insurance companies consider when setting premiums.

Drive a safer car and pay less - Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates.
Car features impact rates - Driving a car with an alarm system can help lower your rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Where you live can impact rates - Being located in less populated areas is a positive aspect when it comes to car insurance. Drivers in populated areas have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
Credit scores impact car insurance rates - A driver's credit history is a important factor in your rate calculation. So if your credit rating is not that good, you could pay less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
How's your driving record? - Whether or not you get tickets has a big impact on rates. Careful drivers have lower premiums compared to drivers with tickets. Only having one moving violation can boost insurance rates by twenty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to keep their license.
Mature drivers pay less - Young drivers in Colorado are known to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, file fewer claims and receive fewer citations.
Do men or women drive better? - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim about savings after switching to their company. But how can every company make the same claim?

All the different companies can use profiling for the driver that is profitable for them. An example of a profitable customer could be between 25 and 40, has no tickets, and drives newer vehicles. A customer who matches those parameters will get the preferred rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile must pay higher rates which leads to business going elsewhere. The ads state "customers that switch" not "people who quote" save that much. That's why companies can truthfully claim big savings. This illustrates why drivers must compare as many rates as you can. Because you never know the company that will give you the biggest savings.

Final considerations

Cheaper car insurance can be purchased from both online companies and also from your neighborhood Lone Tree agents, so you should compare both to get a complete price analysis. A few companies may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, policy non-renewal or policy cancellation. No matter why you want to switch, choosing a new insurance company is actually quite simple.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

More Colorado car insurance information

Even more information is available at the Colorado DORA Division of Insurance website. Consumers can find disaster information, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include this page for car insurance prices in Colorado and this page of Lone Tree insurance agents.