Buy Grand Junction, CO Car Insurance at a Discount With These Tricks

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are lots of people in the same boat. Since consumers have many online and local companies to choose from, it can be challenging to find the most affordable insurance company.

Consumers need to do rate comparisons every six months because rates change regularly. Despite the fact that you may have had the lowest rates six months ago you may be paying too much now. So just ignore everything you know about car insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.

The purpose of this article is to help educate you on how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Colorado drivers just need to understand the proper methods to shop for car insurance online.

Compare the Market for Car Insurance in Grand Junction, CO

There are several ways to compare car insurance quotes, but one way is more efficient than others. You could spend the better part of a day talking about coverages with agents in Grand Junction, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and each company can provide price quotes for coverage. This prevents consumers from doing form submissions for every car insurance company.

To find out how much you can save on car insurance click here to start a free quote.

The only drawback to pricing coverage this way is you don’t know exactly which providers to get pricing from. If you wish to select specific providers to receive pricing from, we put together a list of the cheapest car insurance companies in Colorado. View list of Colorado insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using identical coverages with each company. If the quotes have higher or lower deductibles it will be next to impossible to determine the best price in Grand Junction.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at quote time, but a few need to be asked about prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
• Accident Waiver – Certain companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
• Service Members Pay Less – Having a family member in the military could mean lower rates.
• Accident Free – Good drivers with no accidents pay less when compared to drivers who are more careless.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break on car insurance.
• Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But all discounts will bring down the cost of coverage.

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

Additional reading for car insurance information

More information can be found on the website for the Colorado DORA Division of Insurance located here. Visitors are able to find out which companies have the most complaints, view a list of available companies, and find out industry alerts.