Top 5 Ways to Pay Less on Car Insurance in Colo

If online car insurance comparisons are new to you, it's easy to get confused by the hoards of car insurance companies selling insurance in Colo.

It's important to do rate comparisons occasionally since rates are constantly changing. Even if you think you had the best rates a couple years back there may be better deals available now. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to stop overpaying for insurance.

Save big with these 5 discounts

Companies do not advertise all their discounts very clearly, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Accident Forgiveness - Certain companies permit an accident without raising rates as long as you don't have any claims for a set time period.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drive Less and Save - Low mileage vehicles could qualify for a substantially lower rate.
  • Bundle and Save - When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Military Rewards - Being deployed with a military unit could be rewarded with lower premiums.

It's important to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you're out of luck.

For a list of companies with discount car insurance rates in Iowa, click here.

Finding Car Insurance Deals in Colo, IA

There are several ways to get quotes from different Colo insurance companies. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote for each company you want a rate for. A single form will get you price quotes . Recommended for those who want to invest the least amount of time.

A more time consuming way to get quotes online requires a visit to each individual company website to complete their respective quote request forms. For instance, we'll assume you want to compare , and . To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Colo, click here.

However you get your quotes, make absolute certain that you use identical coverage limits on every quote you get. If you use differing limits it will be next to impossible to determine which rate is truly the best in Colo. Slightly different limits can mean a large discrepancy in price. And when quoting car insurance, remember that more quotes helps locate better pricing.

But I don't know anything about car insurance

When it comes to choosing coverage for your vehicles, there isn't really a "best" method to buy coverage. Each situation is unique.

These are some specific questions might point out if your situation would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form.

Affordable insurance is out there

Lower-priced car insurance is attainable both online and with local Colo insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many cases, an insured cut collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate.

Drivers leave their current company for many reasons like denial of a claim, policy non-renewal, delays in responding to claim requests and an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider is not as hard as you think.