Compare Auto Insurance Pricing From Thornton, CO Insurance Agencies

When trying to find an insurance agent in Thornton, Colorado, you can begin your search by getting online comparison quotes rather than looking in the yellowpages. We’re assuming you’re looking for a professional agent, but you also want to find great rates as well.

With Farmers, Allstate, and independent agents all competing for your business, consumers have a hard time knowing which one will give you the lowest rates and best service. To help decide, you can use online quotes to get a list of agents and price estimates.

Best way to find Thornton agents

Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to. Supporting small agencies is definitely important in Thornton.

After completing this quick form, your coverage information is emailed to local insurance agents in Thornton who will battle to get your business. You never need to even leave your home as quotes are delivered immediately to your email address. Now that’s easy! Get lower rates without the usual hassles of price shopping.

Two types of car insurance agents

If you’re trying to find a reliable agent, you need to know there are two types of agencies that you can select. Agents are classified as either independent (non-captive) or captive.

Independent Agents

Independent insurance agents are not employed by any specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent.

When comparison shopping, it’s recommended you contact several independent insurance agents for maximum quote selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

The following are Thornton independent agencies that are able to give competitive price quotes.

Dan Bott Agency – 12000 Washington St – Thornton, CO 80241 – (303) 252-7133
Country Insurance and Financial – 12272 Jackson Pl – Thornton, CO 80241 – (720) 929-2400
Bob Warner Agency – 8380 Washington St – Thornton, CO 80229 – (303) 288-6602
Rus Moses Agency – 12000 Washington St # 240 – Thornton, CO 80241 – (303) 452-6904
Affordable American Insurance – 550 E Thornton Pkwy # 174 – Thornton, CO 80229 – (303) 451-8100

Captive Insurance Agents

These agents can only place business with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Shown below are captive agencies in Thornton that are able to give rate quotes.

State Farm Insurance – 9981 N Washington St # 23 – Thornton, CO 80229 – (303) 430-4562
Farm Bureau Mutual Ins Co – 13895 Glencoe St – Thornton, CO 80602 – (303) 452-5022
American Family Insurance – 9101 Pearl St # 208 – Thornton, CO 80229 – (303) 451-0528
Allstate Insurance – 12000 Washington St # 320 – Thornton, CO 80241 – (303) 451-0999
Farmers Insurance Group – 10370 Colorado Blvd – Thornton, CO 80229 – (303) 452-4974

To view a full list of captive insurance agencies in Thornton, visit this link.

Selecting a car insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:

If you are a high risk driver, do they have special markets for your coverage?
Do they make recommendations based only on price?
What insurance companies do they work with?
How often do they review policy coverages?
How are claims handled?
Is working in the agency their full-time job?

After getting positive responses to your questions and a low price estimate, you may have just found an auto insurance agent that will service your policy.

Buying direct is an option

Car insurance agents are important, but you also have the option of buying direct from companies that only sell online. Some companies who have local Thornton agents also allow consumers to get quotes and purchase online, and that can save time if you are the do-it-yourself type.

If you’re uncomfortable with not getting advice from an agent when buying car insurance direct, don’t sweat it. Online companies that allow you to purchase coverage give you access to trained agents to answer any questions you may have.

Can online rates save money? That is a tough question to answer since there are many things that influence the price you pay. It would make sense to think that buying car insurance online saves the cost of an agent commission. But in most cases, advertising budgets are huge so the lack of a commission may be a wash.

A tidy conclusion

Lower-priced auto insurance is available online in addition to many Thornton insurance agents, so you should compare both to get a complete price analysis. Some auto insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In many instances, an insured cut uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible at a price you can afford.

More information about auto insurance

Additional auto insurance information can be found on the Colorado DORA Division of Insurance website found here. Colorado drivers can report car insurance fraud, find a variety of consumer forms, find out which companies have the most complaints, and view a list of available companies.

These articles may also be worth reading.