Getting Low-Cost Windsor Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say there are lots of people in the same boat.

Having so many insurance companies to choose from, it's difficult to choose the right provider.

Finding affordable coverage in Windsor is not that difficult. If you are paying for car insurance now, you will be able to save some money using this information. Although Colorado vehicle owners do need to know the way companies sell insurance online and take advantage of how the system works.

Compare Quotes for Windsor Auto Insurance

There are several ways to compare auto insurance prices and some are more efficient than others. You could spend your day driving to agents in Windsor, or you could save time and use the internet for quick rates.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and at least one company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is you can't choose which companies to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we put together a list of auto insurance companies in Colorado. Click here for list of insurance companies in Colorado.

However you get your quotes, ensure you are comparing apples-to-apples coverages and limits for each comparison quote. If you use different deductibles it will be impossible to determine the lowest rate in Windsor. Slightly different coverages can result in a big premium difference. Just remember that comparing a large number of companies gives you a better chance of getting a lower rate.

How to Lower your Auto Insurance Rates

It's important that you understand the factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

Listed below are some of the factors used by your company to calculate prices.

Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Careers like doctors, social workers and stock brokers have the highest rates because of high stress levels and lots of time spent at work. On the other hand, occupations like actors, students and homemakers get better rates.
Do you know your deductibles? - The deductibles define the amount you are willing to pay in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you have to pay, the less your auto insurance will be.
What type of vehicle do you drive? - The performance level of the car you are buying insurance for makes a significant difference in determining your rates. The lowest rates are generally reserved for low performance passenger cars, but the cost you end up paying is determined by many additional factors.
Do you know you're credit rating? - Having a bad credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you'd like, you could be paying less to insure your by improving your rating. People with high credit scores tend to be more responsible than drivers who have poor credit.
Don't skimp on liability - Liability insurance provides coverage when a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
A clean driving record saves money - A bad driving record has a big impact on rates. Even one speeding ticket can bump up the cost twenty percent or more. Drivers who don't get tickets have lower premiums than bad drivers. If you have serious violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.

How much can you save with discounts?

Companies that sell car insurance do not advertise every discount very well, so here is a list some of the best known as well as the least known discounts you could be receiving.

Claim Free - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Homeowners Discount - Simply owning a home can save you money because owning a home requires personal responsibility.
Early Signing - Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
No Charge for an Accident - Some insurance companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of insurance companies offering auto insurance discounts in Colorado, click here.

Even more information is available at the Colorado DORA Division of Insurance website. Colorado drivers can read industry bulletins, report car insurance fraud, learn about specific coverages, and find out industry alerts.

Other useful links include this online resource for auto insurance quotes in Colorado and this list of insurance agents in Windsor.

Final considerations

The cheapest auto insurance is available on the web as well as from independent agents in Windsor, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and these smaller companies work with independent agents.

Throughout this article, we presented a lot of techniques to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like .