5 Simple Ways to Lower Car Insurance Costs in Ordway, CO

Are you intimidated by the crazy number of car insurance choices in Ordway? You're not the only one! You have so many companies to choose from that it can turn into a lot of work to find better rates.

It's important to do rate comparisons every six months since rates are constantly changing. Just because you found the best price on your last policy you can probably find a lower rate today. Block out anything you think you know about car insurance because we're going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

Ordway car insurance comparison

Comprehensive Ordway Car Insurance Comparison

Cutting your Ordway car insurance rates is a fairly straight forward process. Just take time comparing price quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

  • The recommended way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quote forms to each individual car insurance company. Filling out one form gets you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  • A different way to compare rate quotes requires a trip to each company's website and request a quote. For sake of this example, let's assume you want to compare rates from , and . To find out each rate you need to spend time on each company's site to input your insurance information, which is why the first method is quicker. To view a list of companies in Ordway, click here.
  • The hardest method of getting rate comparisons is driving around to different Ordway agent offices. The internet has reduced the need for local agents unless you want the trained guidance only provided by licensed Ordway agents. Drivers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just ensure you are comparing identical quote information with every price quote. If you enter mixed coverages then you won't be able to find the best deal in Ordway.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Some trigger automatically at the time you complete a quote, but a few need to be inquired about prior to getting the savings. If you're not getting every credit possible, you're paying more than you need to.

  • 55 and Retired - Mature drivers may receive reduced rates.
  • Memberships - Belonging to a qualifying organization could trigger savings on car insurance.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • No Charge for an Accident - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

To see a list of companies with discount car insurance rates in Colorado, click this link.

Learn more about Colorado car insurance

Additional information can be found on the Colorado DORA Division of Insurance website found here. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and learn about insurance regulations.