Car Insurance in Longmont, CO - 5 Tips to Save Money

Finding the lowest cost Longmont car insurance on the web is problematic for consumers not familiar with shopping for insurance online. With a ridiculous number of companies in the marketplace, how can consumers effectively compare every company to locate the best available price?

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. This article will help you learn the most effective way to quote insurance and some money-saving tips. Although Colorado car owners do need to know how companies price insurance differently.

Free Longmont Car Insurance Quotes

There are multiple methods to compare car insurance quotes, but one way is more efficient than others. You can spend countless hours talking about coverages with insurance companies in Longmont, or you could use online quoting to get rates in a matter of minutes.

The majority of car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and at least one company returns a rated price. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of system is you cannot specify the providers you want pricing from. So if you want to choose specific providers to compare rates, we put together a list of companies who write car insurance in Colorado. Click to view list.

It's up to you how you get prices quotes, just make darn sure you compare exactly the same information on every quote. If you are comparing higher or lower deductibles then you won't be able to make a fair comparison in Longmont. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, comparing more company's prices will increase your chances of finding the best price.

Don't pay full price with these 5 discounts

Companies offering auto insurance don't always advertise all available discounts in a way that's easy to find, so the following is a list of some of the more common and also the lesser-known ways to save on car insurance.

  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Student in College - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky.

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

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my vehicle?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Even more information can be read at the Colorado DORA Division of Insurance website. Consumers can report car insurance fraud, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.