Quote Littleton, CO Car Insurance at a Discount With These Tricks

Nobody I know looks forward to paying for car insurance, in particular when the price is too high. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates to find the best price available.

It’s a good habit to do rate comparisons yearly since insurance rates change frequently. Just because you found the lowest rates a few years ago you may be paying too much now. Starting right now, forget all the misinformation about car insurance because you’re going to get a crash course in the best methods to remove unneeded coverages and save money.

If you have a current car insurance policy or need new coverage, you can use this information to reduce the price you pay and still get good coverage. Finding affordable coverage in Littleton is not that difficult. Colorado drivers just need to understand the proper methods to compare company rates over the internet.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the rating factors that go into determining your car insurance rates. Understanding what determines base rates enables informed choices that could result in big savings.

  • Where do you drive? – The higher the mileage driven in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Men and women have accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Low deductibles can be expensive – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more you’re willing to pay, the lower your rates will be.
  • High performance equals high price – The type of car you own makes a significant difference in how high your rates are. The most favorable rates are usually for economy passenger vehicles, but there are many factors that impact the final cost.
  • Do you qualify for a multi-policy discount? – The majority of insurance companies will award you with lower prices to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money. Consumers may find better rates by buying car insurance from a different company.

Are you getting all your discounts?

Companies offering auto insurance do not list all available discounts very well, so the following is a list of some of the more common and the more hidden car insurance savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Multiple Policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Low Mileage – Driving fewer miles can qualify you for discounted rates on garaged vehicles.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

But I prefer to buy car insurance from an agent

Some people would rather buy from a local agent and that is just fine! Insurance agents can answer important questions and give you peace of mind. The best thing about comparing rates online is you can get the best rates and still have an agent to talk to.

After completing this form (opens in new window), your information is submitted to local insurance agents in Littleton who will compete for your business. There is no reason to drive around as quotes are delivered immediately to your email address. It doesn’t get any easier!

Deciding on an provider shouldn’t rely on just the premium amount. Some important questions to ask are:

  • Do the coverages you’re quoting properly cover your vehicle?
  • What are the financial ratings for the companies they represent?
  • Do they assist clients in filing claims?
  • Did they already check your driving record and credit reports?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency have a good rating with the Better Business Bureau?
  • Can they provide you with a list of referrals?

Two types of Littleton insurance agents

When looking for a good insurance agency, you must know there are a couple different agency structures from which to choose. Littleton agents can either be captive or independent (non-captive). Either one can do a good job, but it’s worth learning how they are different because it can impact buying decisions.

Agency Captives

Captive agents are contracted to one company and some examples include AAA, Allstate and State Farm. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.price insurance in Littleton CO

Shown below are captive agencies in Littleton that can give you price quotes.

Allstate Insurance – 7444 W Chatfield Ave # C – Littleton, CO 80128 – (303) 979-5362
American Family Insurance – 6901 S Pierce St # 200 – Littleton, CO 80128 – (303) 948-5982
Liberty Mutual Insurance – 537 W Highlands Ranch Pkwy # 1 – Littleton, CO 80129 – (303) 346-0028
Farmers Insurance Group – 5125 S Kipling St # 201 – Littleton, CO 80127 – (303) 933-8400
State Farm Insurance – 8555 W Belleview Ave # G22 – Littleton, CO 80123 – (303) 948-2905
Shelter Insurance – 8906 W Bowles Ave # 200 – Littleton, CO 80123 – (303) 904-9889

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices.

Below are Littleton independent agencies that can give you price quotes.

Bailley Agency – 7201 S Broadway # 140 – Littleton, CO 80122 – (303) 734-9600
Legacy Insurance and Financial – 15 Wood Sorrel – Littleton, CO 80127 – (303) 933-6797
Scott Lewis Agency – 8089 S Lincoln St # 104 – Littleton, CO 80122 – (303) 796-8118
Great American Insurance Co – 6638 W Ottawa Ave – Littleton, CO 80128 – (303) 933-9970
Steven C Fast Agency – 5151 S Federal Blvd # I6a – Littleton, CO 80123 – (303) 798-1474

To view a full list of car insurance agents in Littleton, view this link.

After getting reasonable responses to these questions and locked in a price quote, you have narrowed it down to an auto insurance agent that will insure your vehicles.

Drivers who switch save $406 a year? Really?

Consumers in Colorado can’t ignore all the ads that promise big savings by Allstate, GEICO and Progressive. They all seem to have a common claim of big savings if you change to their company.

How can each company claim to save you money? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that makes them money. For example, a desirable insured could be a mature driver, a clean driving record, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

price insurance in Littleton CO

Drivers who do not match the “perfect” profile must pay higher premiums which leads to business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently state the savings. This illustrates why you need to get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings.

Your coverage should be tailored to you

When it comes to buying coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover if your situation could use an agent’s help.

  • Can I drive in Mexico and have coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • How do I file an SR-22 for a DUI in Colorado?
  • Can I afford low physical damage deductibles?
  • Should I rate my vehicle as pleasure use or commute?
  • Is my vehicle covered for flood damage?
  • Is Colorado a no-fault state?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Colorado car insurance information

Additional detailed information is available at the Colorado DORA Division of Insurance website. Colorado consumers can learn about insurance regulations, file complaints about a company, discover disciplinary actions, and learn about specific coverages.

Best coverage at the best price

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

You just read quite a bit of information on how to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Discount car insurance can be found online as well as from independent agents in Littleton, and you should be comparing both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.