Free Guide to Paying Less for Sterling Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.

You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around at least once a year since insurance rates are constantly changing. Even if you think you had the best price two years ago you may be paying too much now. Ignore everything you know about auto insurance because we're going to demonstrate how to quote online to find great coverage at a great price.

Pricing affordable auto insurance in Sterling is quite easy. In a nutshell, every driver who has to buy auto insurance will be able to reduce their rates. Nevertheless, Colorado vehicle owners do need to know how insurance companies market insurance on the web and apply this information to your search.

Comprehensive Sterling Auto Insurance Comparison Quotes

Performing a rate comparison can take time and effort if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Sterling, or you can utilize the web to quickly compare rates.

All the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company then returns a price quote determined by their information. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of system is you don't know exactly which companies you want to price. So if you want to select from a list of companies to receive pricing from, we have a listing of low cost auto insurance companies in Colorado. Click here to view list.

It's up to you how you get prices quotes, just compare identical coverage limits on every quote. If your comparisons have differing limits it will be next to impossible to make a fair comparison in Sterling. Having just a slight variation in coverage limits may result in large price differences. Just keep in mind that comparing more company's prices helps locate better pricing.

Tips to Get Lower Sterling Rates

It's important that you understand the rating factors that play a part in calculating auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

More miles equals more premium - The higher the mileage driven in a year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.
Safer occupants lowers premiums - Vehicles with high crash test scores tend to have better insurance rates. These vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates.
Add-on coverages can add up - There are quite a few extra coverages that you can buy if you aren't careful. Coverages for vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. They may seem good at first, but now you might not need them so eliminate them to save money.
Men are more aggressive - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. Both sexes have accidents in similar percentages, but the males tend to have more serious accidents. They also have more aggressive citations like reckless driving and DUI.
Car features impact rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your vehicle from being stolen.
Protect your assets with liability insurance - Your policy's liability coverage provides coverage if ever a jury decides you are liable for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Traffic citations inflate rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation can bump up the cost forty percent or more. Drivers who don't get tickets receive lower rates than their less careful counterparts. Drivers who have dangerous citations like DUI or reckless driving 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.

How much can you save with discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically when you complete an application, but less common discounts must be specially asked for before they will apply.

Auto/Life Discount - Larger companies have a discount if you purchase life insurance.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
Safety Course Discount - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
Senior Discount - Older drivers may receive a small decrease in premiums.
Drivers Education - Require your teen driver to complete a driver education course if offered at their school.
Club Memberships - Affiliation with a qualifying organization could trigger savings on auto insurance.
Air Bag Discount - Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
Sign Online - A few companies give back up to $50 simply for signing over the internet.

Consumers should know that most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of companies with discount auto insurance rates in Colorado, click this link.

Additional auto insurance information can be found on the website for the Colorado DORA Division of Insurance through this link. Colorado drivers can file complaints about an insurance agent or broker, find disaster information, discover disciplinary actions, and learn about insurance regulations.

The best insurance company isn't always the cheapest

When buying insurance coverage, it's very important that you do not reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at an affordable rate.

Cost effective auto insurance is attainable on the web as well as from independent agents in Sterling, and you should be comparing both to get a complete price analysis. Some insurance companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.