Comparison Shop Montrose Auto Insurance Prices With These Tips

Shopping for affordable Montrose auto insurance online can seem to be impossible for consumers not familiar with buying insurance online. With so many choices of online companies available, how can you even start to compare every company to locate the lowest price available?

It's important to shop coverage around quite often because prices are constantly changing. Just because you found the lowest price a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the quickest way to properly buy coverages while reducing your premium.

Finding affordable coverage in Montrose is quite easy. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Nevertheless, Colorado consumers do need to know the way companies sell online because it can help you find the best coverage.

Policy discounts you shouldn't miss

Companies don't always list all their discounts very well, so we researched both the well known and also the lesser-known discounts you could be receiving.

Sign Online - A few companies may give you up to $50 simply for signing online.
Senior Citizens - Mature drivers may receive a small decrease in premiums.
Own a Home - Owning a house in Montrose can save you money because maintaining a house shows financial diligence.
Good Student Discount - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
College Student - Youth drivers who are attending college and don't have a car can receive lower rates.
Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.

It's important to understand that some credits don't apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

To see a list of companies with discount auto insurance rates in Colorado, click here.

Free Montrose Auto Insurance Quotes

The are a couple different ways of comparing rates from local Montrose auto insurance companies. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

The best way to find low rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate quotes for each company you want a rate for. One form gets you price quotes instantly. Just one form and you're done.
A slightly less efficient method to shop for auto insurance online requires a trip to each individual company website to request a price quote. For examples sake, we'll assume you want comparison quotes from , and . To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Montrose, click here.

Whichever method you choose, make darn sure you compare apples-to-apples quote information for each price quote. If the quotes have mixed coverages you can't possibly truly determine the lowest rate in Montrose. Slightly different coverage limits may result in large price differences. And when comparison shopping, comparing more company's prices gives you a better chance of getting a better price.

Tips to Get Lower Montrose Rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate rates.

Having a spouse can save you money - Having a wife or husband helps lower the price on auto insurance. It translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
Mature drivers pay less - Youthful drivers in Colorado have a tendency to be more careless when driving so auto insurance rates are higher. Parents adding a teen driver onto a policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Increase deductibles and save - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, damage from fire, or theft. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more you have to pay, the bigger discount you will receive.
Cautious drivers pay less - Drivers who don't get tickets get better rates than their less careful counterparts. Even a single citation can bump up the cost by as much as thirty percent. Drivers who have dangerous citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
Drive a safer car and pay less - Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.

Insurance agents can help

When choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else's.

For example, these questions may help you determine whether your personal situation might need an agent's assistance.

Does medical payments coverage apply to all occupants?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Colorado?
Does my personal policy cover me when driving my company car?
Is my dog or cat covered if injured in an accident?
Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Montrose?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Save $429 a year? Really?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim of big savings if you change your coverage to them. But how can every company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that is profitable for them. For instance, a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will have to pay higher premiums and this can result in the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers must get a wide range of price quotes. It's impossible to know which insurance companies will provide you with the cheapest rates.

Do the work, save more money

Low-cost auto insurance can be sourced both online as well as from independent agents in Montrose, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When shopping online for auto insurance, don't be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price.

We covered a lot of ways to compare auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest rates come from a small mutual company.

More sites with auto insurance information

More tips and info about auto insurance is located at the Colorado DORA Division of Insurance website. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, and report car insurance fraud.

Additional helpful sites include this site for Colorado auto insurance information and see this list of insurance agents in Montrose.