Find Low-Cost Woodland Park Auto Insurance

Are you intimidated by the sheer number of auto insurance options in Woodland Park? Lot's of other consumers are too. Consumers have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

This article will help educate you on how to get online quotes and some money-saving tips. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Colorado drivers only need an understanding of the most efficient way to compare rates over the internet.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit. If you don't get every credit possible, you're paying more than you need to.

Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
No Charge for an Accident - Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
Multiple Policy Discount - When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
Seat Belts Save - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
Early Switch Discount - Select companies give a discount for signing up before your current expiration date. It's a savings of about 10%.

It's important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurance companies who offer auto insurance discounts in Colorado, click here to view.

How to Compare Auto Insurance in Woodland Park, Colorado

Finding cheaper auto insurance prices is not a difficult process. Consumers just need to invest a few minutes comparing price quotes online from several insurance companies. This can be accomplished using a couple different methods.

The best way consumers can analyze rates is a comparison rater form click here to open form in new window. This easy form eliminates the need for repetitive form entry for every auto insurance company. Filling out one form gets you price quotes direct from many companies. This is by far the quickest method.
A harder way to shop for auto insurance online requires visiting the website of each company and fill out their own quote form. For instance, we'll pretend you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Woodland Park, click here.
The least recommended method to get comparison rates is to waste gas driving to and from local Woodland Park insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional guidance of a local Woodland Park agent. However, consumers can obtain prices from the web but buy from a local insurance agent and we'll touch on that later.

It's up to you which method you use, but ensure you are comparing apples-to-apples quote information for every quote you compare. If you are comparing mixed coverages you will not be able to determine the best price in Woodland Park.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that help determine auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower auto insurance prices.

The following are a few of the "ingredients" that factor into prices.

Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
Protect yourself with liability coverage - Liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. It provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents in similar percentages, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive auto insurance rates.
Discounts for multiple policies - Many insurers provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare rates to confirm you are receiving the best rates possible. You may still find a better deal by buying auto insurance from a different company.
Never go without insurance - Allowing your auto insurance policy to lapse will be a fast way to bump up your auto insurance costs. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with the Colorado DMV.
An active claims history can cost you - Companies in Colorado award discounts to policyholders who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.

Save $429 a year? Really?

Colorado drivers can't get away from ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all make an identical promise of big savings after switching your policy.

But how can every company say the same thing? This is how they do it.

All companies are able to cherry pick for the right customer that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no driving citations, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted higher prices and ends up with business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently make the claims of big savings.

This emphasizes why drivers must get as many quotes as possible. It's not possible to predict which auto insurance company will fit your personal profile best.

In the end, you save

People change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, denial of a claim or policy non-renewal. No matter why you want to switch, switching auto insurance companies is actually quite simple.

Low-cost auto insurance can be sourced on the web in addition to many Woodland Park insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Additional auto insurance information can be found on the Colorado DORA Division of Insurance website. Click here for link. Colorado drivers can view a list of available companies, find out which companies have the most complaints, and learn about insurance regulations.

Additional helpful sites include this site for auto insurance rates in Colorado and this list of insurance agents in Woodland Park, CO.