Top 6 Ways to Save on Car Insurance in Pueblo, CO
Cutting costs on Pueblo car insurance is difficult for consumers not familiar with comparison shopping online. People have so many options available that it can quickly become a lot of work to compare prices in Pueblo.
It's important to compare rates once or twice a year since rates are constantly changing. Even if you think you had the best price a year ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you're about to find out how to quote online to properly buy coverages while reducing your premium.
If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. This article will instruct you on how to effectively get price quotes and some tricks to saving. Although Colorado consumers do need to know the methods companies use to market insurance on the web and apply this information to your search.
How to Compare Car Insurance Costs in Pueblo
There are several ways you can shop for car insurance but there is one way that is less time-consuming than others. You can spend your afternoon talking to agents in Pueblo, or you could use the internet to get rate comparisons in just a few minutes.
Most of the larger companies belong to an insurance system that allows shoppers to submit one quote, and every company can provide price quotes based on the submitted data. This eliminates the need for quote forms for each company you want a rate for.
To submit your quote information now, click here to open in new window.
One minor caviat to using this type of form is that you can't choose which providers you will receive quotes from. So if you want to select specific providers for rate comparison, we put together a list of companies who write car insurance in Colorado. Click here to view list.
It doesn't matter which method you choose, just double check that you are using exactly the same coverage limits with each company. If you enter differing limits you can't possibly make an equal comparison in Pueblo. Just a small difference in coverages may result in a large different in cost. It's important to know that getting more free quotes will improve the odds of getting better pricing.
How much can you save with these six discounts?
Car insurance can cost a lot, but there could be available discounts to help bring down the price. Most are applied at the time of quoting, but less common discounts must be specifically requested before you will receive the discount.
- Passive Restraints - Vehicles with factory air bags can qualify for discounts of 20% or more.
- Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class if offered at their school.
- Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
- Employee of Federal Government - Employees or retirees of the government can save as much as 8% with certain companies.
- Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
- Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.
To choose providers with discount car insurance rates in Pueblo, follow this link.
Save 15 percent in 15 minutes? Is it for real?
Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads say the same thing about savings if you change to their company. How can each company claim to save you money? It's all in the numbers.
All companies can use profiling for the driver that makes them money. For example, a preferred risk might be over the age of 40, has no tickets, and has excellent credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.
Potential insureds who don't meet the requirements will be charged more money which usually ends up with the customer not buying. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make those claims.
That is why you need to get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.
Additional information can be found on the Colorado DORA Division of Insurance website found here. Visitors are able to find out industry alerts, view a list of available companies, and find disaster information.
Shop smart and save
We just covered a lot of tips how to compare car insurance prices online. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a small mutual company.
Consumers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, delays in responding to claim requests or even high rates after DUI convictions. It doesn't matter what your reason, finding a new car insurance company is easier than you think.
The cheapest car insurance is attainable both online and also from your neighborhood Pueblo agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.
