Little Known Advice on Paying Less for Brighton Colorado Car Insurance

People not familiar with shopping for insurance online could find finding low-cost Brighton car insurance is harder than they anticipated.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Buying the cheapest protection in Brighton is simple if you know the tricks. But Colorado car owners must learn the methods companies use to market on the web because it can help you find the best coverage.

Why some people pay less for insurance in Brighton

Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Save money with special equipment – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
With age comes lower rates – Youthful drivers in Colorado tend to be less responsible in a vehicle so they pay higher car insurance rates. Mature drivers tend to be more responsible, file fewer claims and get fewer tickets.
Pay less after the wedding – Getting married helps lower the price on car insurance. Having a spouse means you’re more mature than a single person and it’s proven that being married results in fewer claims.
Where do you drive? – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Cars left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance declarations sheet shows the correct usage for each vehicle.
Multi-policy discounts can save money – The majority of insurers will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
Safer occupants lowers premiums – Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
Your job and insurance rates – Jobs such as real estate brokers, social workers and stock brokers are shown to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, professions such as actors, students and the unemployed pay the least.
High numbers of claims are not good – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Companies in Colorado provide lower rates to people who do not file claims often. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Discounts are available to cut your rates

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Some trigger automatically when you quote, but some must be specifically requested prior to receiving the credit.

Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
Service Members Pay Less – Being on active duty in the military could mean lower rates.
Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of companies who offer car insurance discounts in Brighton, follow this link.

Buyer beware of car insurance advertising tricks

State Farm, Allstate and GEICO consistently run ads on TV and radio. All the companies make the same claim about savings if you change your coverage to them. How does each company say the same thing? This is how they do it. Colorado insurance comparisons

Different companies have a preferred profile for the right customer they prefer to insure. A good example of a preferred risk might be profiled as between 30 and 50, is a homeowner, and has great credit. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who do not match the requirements will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save money. This is how insurance companies can make those claims.

This emphasizes why you absolutely need to get as many comparisons as possible. It is impossible to predict which company will fit your personal profile best.

Everyone needs different coverages

When buying coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

Are all vehicle passengers covered by medical payments coverage?
Is a new car covered when I drive it off the dealer lot?
Can I afford low physical damage deductibles?
What happens if I owe more than my vehicle is worth?
Are there companies who specialize in insuring high-risk drivers?
Am I covered when driving a rental car?
When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Some additional reading

Additional car insurance information can be found on the Colorado DORA Division of Insurance website found here. Visitors are able to view a list of available companies, get help finding coverage, and find disaster information.

Final thoughts

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, someone sacrificed uninsured motorist or liability limits only to discover later that it was a big error on their part. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

Consumers leave their current company for many reasons like not issuing a premium refund, delays in responding to claim requests, policy non-renewal or even denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

Lower-priced car insurance can be found both online as well as from independent agents in Brighton, and you should compare price quotes from both to have the best selection. Some companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.