9 Discounts Rocky Ford Drivers Forget when Quoting Car Insurance

I can't think of a single person who likes having to buy car insurance, especially when the cost is way too high.

You have so many to pick from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage periodically since rates are constantly changing. If you had the best price a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we're going to demonstrate one of the easiest ways to find great coverage at a great price.

Finding the best rates in Rocky Ford is quite easy. Just about everyone who has to buy car insurance should be able to lower their premiums. Nevertheless, Colorado car owners do need to know the way insurance companies determine prices and apply this information to your search.

Colorado car insurance quotes

Rocky Ford Car Insurance Comparisons

Most companies like GEICO, State Farm and Progressive quote coverage price quotes directly from their websites. Getting quotes doesn't take a lot of time as you just type in your personal and coverage information as detailed in the form. When the form is submitted, their rating system will obtain reports for credit and driving violations and provides a quote. This makes it a lot easier to compare rates but the work required to visit each company's website and repetitively fill out multiple forms can be a bit repetitive. But it's very important to perform this step if you are searching for better car insurance pricing.

There is an easier way!

A quicker way to compare rates is to use a quote form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier. After your information is entered, it is quoted and you are able to buy any one of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and may result in a nice savings.

To find out what other companies charge, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate the coverage information identical to your current policy. This ensures you will have comparison quotes for similar insurance coverage.

These nine discounts can lower your rates

Companies offering auto insurance don't list all their discounts very clearly, so we took the time to find some of the more common and the more hidden ways to save on car insurance.

  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • Air Bag Discount - Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Memberships - Belonging to a qualifying organization could trigger savings on car insurance.
  • Auto/Life Discount - Larger companies have a discount if you purchase life insurance from them.
  • Drive Less and Save - Keeping the miles down can earn better rates on cars that stay parked.
  • Defensive Driving Course - Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Homeowners Savings - Owning a house in Rocky Ford may earn you a small savings because of the fact that having a home is proof that your finances are in order.

Consumers should know that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.

To see a list of companies with the best car insurance discounts in Colorado, click this link.

Different people need different coverages

When choosing the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Each situation is unique so this has to be addressed. For instance, these questions may help highlight whether you would benefit from professional advice.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have any recourse if my insurance company denies a claim?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

More tips and info about car insurance can be found at the Colorado DORA Division of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, view a list of available companies, and read consumer alerts.

Additional helpful sites include Wikipedia and this Rocky Ford agent directory.