Easy Ways to Cut Costs on New Castle Auto Insurance

Buying the most affordable New Castle auto insurance online is challenging for consumers new to buying insurance online. With dozens of online companies available, how can consumers possibly compare the different rates to find the lowest price available?

It's important to compare rates on a regular basis since insurance rates are constantly changing. Just because you had the best price a year ago you may be paying too much now. Ignore everything you know about auto insurance because we're going to demonstrate the proper way to properly buy coverages while reducing your premium.

Which Auto Insurance is Cheapest in New Castle, Colorado?

There are several ways to compare rate quotes from local New Castle auto insurance companies. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for repetitive form submissions to each individual auto insurance company. One form submission will return quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A harder way to get quotes online is to take the time to go to each individual company website and fill out their own quote form. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in New Castle, click here.

The most time-consuming way to compare rates is to spend your day driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you want the trained guidance only provided by licensed agents. It is possible to compare the best prices online and still use a local agent and we'll touch on that later.

Whichever method you choose, ensure you are comparing identical coverages and limits for every quote you compare. If you have different deductibles you can't possibly determine the best price in New Castle. Slightly different coverages may result in a large different in cost. Just remember that getting more free quotes helps locate a lower rate.

You have some control over your rates

It's important that you understand the factors that go into determining auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

Having a spouse can save you money - Having a spouse can actually save you money on auto insurance. It means you're more responsible and statistics show married drivers get in fewer accidents.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both tend to get into accidents in similar percentages, but the males cause more damage. They also get more serious tickets like reckless driving and DUI. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
A clean driving record saves money - Just one moving violation can boost insurance rates twenty percent or more. Careful drivers get better rates than bad drivers. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to continue driving.
High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
More claims means more premium - Car insurance companies in Colorado generally give lower rates to insureds who are claim-free. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Please use or commuting - The more miles you rack up on your car in a year's time the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance policy shows how each vehicle is driven.

Save big with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but a few need to be specifically requested prior to receiving the credit.

Sign Online - A handful of insurance companies give back up to $50 for buying your policy over the internet.
Accident Waiver - Certain companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
Own a Home - Owning a house in New Castle can save you money because owning a home is proof that your finances are in order.
Government Employees - Simply working for the federal government may qualify you for a discount with select insurance companies.
New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down your overall premium however.

For a list of companies offering auto insurance discounts in Colorado, click here.

Additional information can be found on the Colorado DORA Division of Insurance website found here. Colorado drivers can get help finding coverage, learn about insurance regulations, and file complaints about a company.

Affordable insurance is out there

Cheaper auto insurance is available on the web and also from your neighborhood New Castle agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented a lot of ways to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a small mutual company.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, poor customer service and high rates after DUI convictions. Whatever your reason, finding a new auto insurance company is not as hard as you think.