Compare Clifton Auto Insurance Prices With These Tips

Are you intimidated by the dozens of auto insurance options in Clifton? Lot's of other consumers are too. There are so many options that it can turn into a real challenge to find lower rates.

Finding affordable coverage in Clifton is quite easy. If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. Colorado drivers only need an understanding of the proper methods to compare rates over the internet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that help determine auto insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Theft deterrents lower rates - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
Do you know your deductibles? - The deductibles define the amount you are required to spend if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more the insured has to pay upfront, the less your auto insurance will be.
Teen drivers pay high rates - Teenage drivers in Colorado are known to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers.
Drive less and save money - Driving more miles in a year the higher your rate. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Keep rates low by being claim-free - Companies in Colorado generally give lower rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Protect yourself with liability coverage - Liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.

Compare Quotes for Clifton Auto Insurance

Reducing your insurance rates can be surprisingly simple. Consumers just need to invest a little time comparing price quotes online from several insurance companies. This can be done in a couple of different ways.

The fastest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form prevents you from having to do boring form submissions for each company you want a rate for. Filling out one form will get you rate comparisons from all major companies. It's definitely the quickest method.
A less efficient way to shop for auto insurance online requires you to visit the website of each company to request a price quote. For examples sake, we'll pretend you want to compare rates from , and . To get each rate you have to take the time to go to each site 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 Clifton, click here.

Whichever method you choose, ensure you are comparing identical coverage information for each price quote. If you use unequal deductibles or liability limits you will not be able to truly determine the lowest rate in Clifton.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every discount very clearly, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you're not getting every credit possible, you are paying more than you should be.

Payment Method - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company qualifies for this discount.
Distant Student - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
New Vehicle Savings - Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
Senior Discount - If you're over the age of 55, you may be able to get a discount up to 10%.
No Claims - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.

It's important to understand that some credits don't apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

To choose insurance companies who offer auto insurance discounts in Colorado, click here.

Save $429 a year? Really?

Colorado drivers can't ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all have a common claim of big savings after switching your policy.

How does each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the right customer that makes them money. For instance, a driver they prefer might be profiled as between 30 and 50, has no driving citations, and has a high credit rating. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be quoted higher premiums and this can result in business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently state the savings. This emphasizes why you need to get as many quotes as possible. It's not possible to predict which auto insurance company will have the lowest rates.

More tips and info about auto insurance is located at the Colorado DORA Division of Insurance website. Colorado drivers can view a list of available companies, report car insurance fraud, and read enforcement actions against agents and companies.

Other informative sites include this site for auto insurance rates in Colorado and this list of insurance agents in Clifton, CO.

A tidy conclusion

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund or even delays in paying claims. No matter why you want to switch, switching auto insurance companies is easier than you think.

Low-cost auto insurance can be bought on the web in addition to many Clifton insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.

As you restructure your insurance plan, make sure you don't reduce coverage to reduce premium. There have been many situations where someone sacrificed collision coverage and learned later that they should have had better coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.