6 Discounts Paonia Shoppers Forget when Comparing Car Insurance

Are you intimidated by the crazy number of car insurance company choices in Paonia? You're not the only one! You have so many choices that it can turn into a ton of work to locate the lowest price.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. Some discounts apply automatically when you complete an application, but less common discounts must be asked for before they will apply. If you're not getting every credit possible, you are paying more than you should be.

  • Claim Free - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Organization Discounts - Belonging to a qualifying organization could trigger savings when shopping for car insurance.
  • Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • No Charge for an Accident - Certain companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks with the same company could earn a price break for each car.

Keep in mind that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the cost of coverage.

To choose insurance companies with the best car insurance discounts in Colorado, click this link.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers can't ignore all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all make the same claim that you can save if you move your coverage to them.

How does each company make the same claim?

All companies are able to cherry pick for the type of customer that makes them money. For example, a driver they prefer could be over the age of 50, has no driving citations, and drives newer vehicles. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards will be quoted higher rates which leads to business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save that much money. That's the way insurance companies can claim big savings.

This emphasizes why you should quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

More information can be found on the Colorado DORA Division of Insurance website through this link. Consumers can read industry bulletins, find out which companies have the most complaints, and view a list of available companies.

And the best car insurance company is...

Insureds who switch companies do it for many reasons like high rates after DUI convictions, questionable increases in premium, unfair underwriting practices or even denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is easier than you think.

Affordable car insurance is possible from both online companies as well as from independent agents in Paonia, and you should be comparing both to get a complete price analysis. A few companies don't offer online price quotes and these regional insurance providers work with independent agents.

When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage only to discover later that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.