8 Ways to Slash Car Insurance Premium in Littleton, Colorado

Shopping for the most affordable Littleton car insurance online can be difficult for consumers not familiar with comparing rates online. With so many insurers to choose from, how can Littleton drivers even start to compare every one to find the best available rates?

It’s a great practice to compare prices before your policy renews because insurance rates are constantly changing. If you had the lowest rates a couple years back there is a good chance you can find better rates now. Starting right now, forget all the misinformation about car insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

This information will help you learn how to get online quotes. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Nevertheless, Colorado vehicle owners must understand how the larger insurance companies price online insurance.

Save big with these discounts

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but some may not be applied and must be asked for in order for you to get them.

• Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
• New Car Discount – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
• Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
• Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
• Government Employees – Employees or retirees of the government can save as much as 8% depending on your company.
• Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
• Senior Discount – Mature drivers may receive reduced rates.
• Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.

It’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But any discount will bring down your overall premium however.

For a list of companies offering car insurance discounts in Colorado, follow this link.

But I don’t know anything about car insurance

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

• What companies insure drivers after a DUI or DWI?
• What are the financial responsibility laws in Colorado?
• Is there coverage for injuries to my pets?
• How can I get high-risk coverage after a DUI?
• Is my custom paint covered by insurance?
• What can I do if my company denied a claim?
• Are there companies who specialize in insuring high-risk drivers?
• Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Much more information about car insurance in Colorado can be found on the Colorado DORA Division of Insurance website. Click here for link. Consumers can find a variety of consumer forms, learn about insurance regulations, and learn about specific coverages.

Best coverage at the best price

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, questionable increases in premium, delays in responding to claim requests or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is actually quite simple.

The cheapest car insurance can be purchased from both online companies and with local Littleton insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability limits or collision coverage only to regret that it was a big error on their part. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.