Car Insurance in Denver, IA - 6 Tricks to Save Money

Finding low-cost Denver car insurance over the internet can be difficult for consumers not familiar with comparison shopping online. With so many insurers to choose from, how can you have a chance to compare every company to locate the lowest rates?

Are you getting all your discounts?

Auto insurance companies don't always list every discount in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.

Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
Life Insurance - Some companies give better rates if you take out life insurance.
New Car Discount - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Military Discounts - Being on active duty in the military may qualify for rate reductions.
Multiple Policy Discount - When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
No Claims - Drivers who don't have accidents pay much less when compared to frequent claim filers.

It's important to note that most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you're out of luck.

For a list of insurance companies who offer car insurance discounts in Denver, click here to view.

Where Can I Get Cheap Denver Car Insurance?

Most major insurance companies allow you to get insurance quotes on their websites. Getting quotes doesn't take much effort as you simply type in your required coverages as detailed in the form. Once entered, their rating system will obtain information on your driving record and credit history and quotes a price based on many factors.

Online quotes makes it a lot easier to compare rates but having to visit many different websites and complete many quote forms gets old quite quickly. But it's very important to get many rate quotes in order to find the best price on car insurance.

There is a better way!

A more efficient way to compare car insurance pricing is to use a quote form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes online price comparison a lot less work. Immediately after submitting the form, it is rated and you can select your choice of the quotes that you receive. If a lower price is quoted, it's easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you type in exactly as shown on your declarations page. This helps ensure you're receiving a fair comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different.

For instance, these questions can help discover whether you might need professional guidance.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Who is covered when they drive my vehicle?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Will I be non-renewed for getting a DUI or other conviction?
Can I afford to buy a different vehicle if my vehicle is totaled?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form.

The best insurance company isn't always the cheapest

People change insurance companies for a number of reasons such as unfair underwriting practices, delays in paying claims, policy non-renewal and lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

When trying to cut insurance costs, it's not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice collision coverage and learned later that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

Lower-priced car insurance can be purchased from both online companies in addition to many Denver insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online quoting and these small, regional companies work with independent agents.