Finding Cheap Ouray Auto Insurance

I can't think of anyone who cherishes buying auto insurance, especially knowing their premiums are too high. There are many to buy insurance from, and though it is a good thing to have multiple companies, it makes it harder to compare rates.

It's important to check auto insurance prices periodically since insurance rates are constantly changing. Just because you found the lowest price on your last policy a different company probably has better rates today. Forget all the misinformation about auto insurance because we're going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Finding affordable coverage in Ouray is quite easy. If you have car insurance now, you will most likely be able to cut costs considerably using this information. Colorado drivers only need an understanding of the proper way to compare rates on the web.

Policy discounts you shouldn't miss

Companies don't always advertise all their discounts very clearly, so we researched some of the best known and the harder-to-find savings tricks you should be using. If you're not getting every credit you qualify for, you are throwing money away.

Accident Forgiveness - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
Good Student - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Homeowners Savings - Owning a house in Ouray can help you save on auto insurance because maintaining a house shows financial diligence.
Federal Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
Discount for Swiching Early - Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
Clubs and Organizations - Affiliation with a qualifying organization is a good way to get lower rates on auto insurance.

It's important to understand that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, it doesn't quite work that way.

What determines how much you pay?

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces companies use to determine rates.

Males pay more for insurance - Statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Women and men have accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.
A clean driving record saves money - Just one citation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
Protect yourself with liability coverage - Your policy's liability coverage is the coverage that protects you if ever a jury decides you are liable for damages from an accident. It provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
What are your deductibles? - Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The more you're willing to pay, the lower your rates will be.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from an agent's advice.

Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
Does my policy cover my teen driver if they drive my company car?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?

If you're not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Save $429 a year? Really?

Colorado drivers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to make an identical promise of big savings if you change to them.

How does each company say the same thing? This is how they do it.

All companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a desirable insured might be profiled as between 25 and 40, a clean driving record, and has great credit. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and ends up with business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently advertise the savings. Because of the profiling, drivers should compare many company's rates. It's not possible to predict which company will fit your personal profile best.

More tips and info about auto insurance is located at the Colorado DORA Division of Insurance website. Colorado drivers can learn about insurance regulations, file complaints about a company, find out which companies have the most complaints, and report car insurance fraud.

In the end, you save

Low-cost auto insurance can be sourced on the web and with local Ouray insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented many tips how you can reduce auto insurance prices online. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a smaller regional carrier. Regional companies can often provide lower rates in certain areas compared to the large companies like .