7 Tricks to Slash Car Insurance Prices in Fountain

If price shopping car insurance online is new to you, it’s easy to get overwhelmed due to the large number of car insurance companies all offering big savings in Fountain.

If you have a current car insurance policy or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Locating the cheapest protection in Fountain is simple if you know the tricks. Colorado drivers just need to understand the proper methods to compare price quotes online.

How to Buy Fountain Car Insurance Online

All the larger car insurance companies provide price estimates on their websites. The process is quite easy as you simply enter the coverage amounts you desire as detailed in the form. When complete, their system automatically orders reports for credit and driving violations and quotes a price determined by many factors.

Online quotes helps simplify price comparisons, but having to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to get many rate quotes if you are searching for better car insurance pricing.

There is a better way!

A quicker way to compare car insurance pricing utilizes a single form to return rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online quotes much more enjoyable and efficient. After sending your information, it gets priced and you can select any or none of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and may result in a nice savings.

To quickly find out how much you can save on car insurance, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you complete the form with deductibles and limits identical to your current policy. This ensures you are getting a rate comparison based on the exact same insurance coverage.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for some of the elements that play a part in calculating your car insurance rates. Understanding what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

• Having a spouse can save you money – Getting married actually saves money on your policy. Having a significant other is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
• Bump up deductibles to save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your car insurance will be.
• Your car insurance rates can be influenced by your job – Jobs such as judges, social workers and dentists are shown to have the highest average rates due to stressful work requirements and long work hours. Other professions such as pilots, historians and retirees pay the least.
• One company can mean more discounts – Many companies give discounts to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money.
• Do you know you’re credit rating? – A driver’s credit history is a important factor in determining your rates. Therefore, if your credit is not that good, you could save money insuring your by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores.
• Proper usage rating affects rates – The more miles you rack up on your car in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance policy shows how each vehicle is driven, because it can save money.
• Where you live – Choosing to live in small towns and rural areas has it’s advantages when insuring your vehicles. Drivers who live in large cities have congested traffic and longer commutes to work. Lower population translates into fewer accidents and a lower car theft rate.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few must be asked for before they will apply. If you’re not getting every credit possible, you’re just leaving money on the table.

• Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
• Student in College – Children who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
• Driver Safety – Taking a driver safety course could cut 5% off your bill if your company offers it.
• Club Memberships – Belonging to a civic or occupational organization could qualify you for a break on your policy.
• Passive Restraints – Factory air bags can receive discounts of more than 20%.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will bring down your premiums.

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

A little work can save a LOT of money

Cheaper car insurance can be bought on the web as well as from independent agents in Fountain, and you need to comparison shop both to have the best rate selection. There are still a few companies who don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

In this article, we presented quite a bit of information on how to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a lesser-known regional company.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Read more about Colorado car insurance

Additional car insurance information is available on the Colorado DORA Division of Insurance website found here. Visitors are able to view agent and company licensing information, discover disciplinary actions, and get help finding coverage.

Additional helpful sites include BankRate.com’s Car Insurance: When not to Skimp and this link which helps you find a Fountain agent.