Comparison Shop Thornton Auto Insurance Prices With These Tricks

Shopping for low-cost Thornton auto insurance on the internet can be rather challenging for beginners to comparison shopping online. Because there are so many choices, how can you even start to compare every one to find the best available price?

Be sure to get all your discounts

Companies offering auto insurance don't necessarily list all available discounts very well, so here is a list both the well known as well as the least known auto insurance savings. If you don't get every credit you deserve, you are throwing money away.

  • Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Paperless Signup - A few companies may give you up to $50 just for signing your application online.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Student in College - Children who live away from home and don't have a car can receive lower rates.

Keep in mind that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn't work that way.

Is there truth in advertising?

Consumers in Colorado get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies say the same thing that you can save if you change your policy.

But how can every company claim to save you money?

Insurance companies have a preferred profile for the right customer that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile must pay higher premiums which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can advertise the savings. This illustrates why you should get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

For more Colorado auto insurance information

Additional detailed information is available at the Colorado DORA Division of Insurance website. Visitors are able to find out which companies have the most complaints, get help finding coverage, and report car insurance fraud.

Also read more on this link for Colorado auto insurance quotes and this page for help finding agents in Thornton, CO.

A tidy conclusion

Affordable auto insurance can be sourced both online in addition to many Thornton insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, policy cancellation and even unfair underwriting practices. Regardless of your reason, choosing a new insurance company is less work than it seems.