Consumers Guide to Finding a Centennial, CO Insurance Agency

To locate an insurance agent in Centennial, CO, you can always do the preliminary legwork on the internet rather than picking up the phone. You need a competent insurance agent, but also need the cheapest rates you can possibly find.

Multiple car insurance agents compete for your business, so it’s not easy to compare every insurance agency to find the absolute lowest rate possible.

Price shop online but buy from a local Centennial agent

Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting online price quotes is you may find better rates but still work with a licensed agent.

For easy comparison, once you complete this short form, the quote information is emailed to local insurance agents in Centennial who will compete for your business. You won’t need to drive around as quotes are delivered to your email. How’s that for easy!

Choosing a car insurance agent shouldn’t rely on just the price. These questions are important to ask:

Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Do you have coverage for a rental car if your vehicle is in the repair shop?
How often do they review policy coverages?
Is vehicle damage repaired with OEM or aftermarket parts?
Are claims handled at the agent’s location?
What are the financial ratings for the companies they represent?
Which company do they place the most coverage with?
If you have an accident, will your rates go up?

Two types of insurance agents

When researching a local agent, there are a couple of different agency structures from which to choose. Centennial agents are either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth learning how they are different because it can impact your selection of an agent.

Agency Captives

Captive agencies have only one company to place business with like Allstate, State Farm and Farmers Insurance. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. Captives are very knowledgeable on their company’s products which can be an advantage.

The following are captive agencies in Centennial who can help you get rate quotes.

Shelter Insurance – 2275 E Arapahoe Rd # 103 – Centennial, CO 80122 – (303) 795-5839
Farmers Insurance Group – 7600 E Arapahoe Rd – Centennial, CO 80112 – (303) 796-0123
Allstate Insurance – 18525 E Smoky Hill Rd # K – Centennial, CO 80015 – (303) 400-1356
Colorado Farm Bureau Mutual – 9177 E Mineral Cir – Centennial, CO 80112 – (303) 749-7500
American Family Insurance – 6911 S University Blvd – Centennial, CO 80122 – (303) 794-8899
State Farm Insurance – 7200 E Dry Creek Rd # B105 – Centennial, CO 80112 – (303) 770-5652

Independent Insurance Agents

Independent agents are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.

When shopping rates, it’s a good idea to include at least one independent agent to have the most options to choose from.

Below is a short list of independent agents in Centennial that are able to give price quotes.

Mark W Morgan Agency – 6746 S Revere Pkwy # B # 180 – Centennial, CO 80112 – (303) 338-0300
Farmer’s Insurance – 6970 S Holly Cir – Centennial, CO 80112 – (720) 493-9537
Ken Hamacher Insurance – 6640 S Broadway – Centennial, CO 80121 – (303) 738-0600
Krouse Agency – 7375 E Peakview Ave – Centennial, CO 80111 – (303) 740-9888
Barbara Mildred Agency – 7853 E Arapahoe Ct # 1400 – Centennial, CO 80112 – (303) 302-3029

For a full directory of auto insurance agents in Centennial, please go to this site.

After getting answers to your satisfaction to all your questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that will service your policy.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether you might need professional guidance.

Do I need medical payments coverage since I have good health insurance?
Is a new car covered when I drive it off the dealer lot?
Do I benefit by insuring my home with the same company?
Is borrowed equipment or tools covered if stolen or damaged?
Is business property covered if stolen from my car?
Am I covered if I drive in a foreign country?
Will I be non-renewed for getting a DUI or other conviction?
When should I drop full coverage on my vehicle?
If my vehicle is totaled, can I afford another vehicle?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent.

Is buying direct online an option?

Insurance agencies serve a purpose, but you can also buy Colorado car insurance from online companies direct. Some specific companies, such as State Farm, Allstate and Farmers, who employ agents also let you buy a policy online, and online price comparisons are easy if you don’t want to take the time to contact agents.

If you’re anxious about having to choose coverages yourself, this is expected but don’t let that bother you. All companies that require consumers to choose their own coverages have customer service departments for customer questions. They also offer anytime access to help and a customer research section to make it easier to purchase.

Does car insurance cost less online? The answer is complex because there are a lot of things that determine your policy premium. Common sense would say that shopping direct reduces premiums because there is no agent. But the fact is, it’s expensive to advertise so the rates may be similar to buying from an agent.

If you have the time, the only way to find out if agents have better prices than online companies is to make apples-to-apples comparisons of both. It’s not unheard of to actually get different prices from the exact same provider from their online quote form as compared to an agent. It’s not possible to know which way will be cheaper without quoting coverages utilizing both methods.

A little work can save a LOT of money

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Consumers leave their current company for a number of reasons such as delays in paying claims, policy cancellation, high rates after DUI convictions or high prices. It doesn’t matter why you want to switch switching auto insurance companies is not as difficult as it may seem.

More tips and info about auto insurance is available at the Colorado DORA Division of Insurance website. Consumers can find out which companies have the most complaints, read enforcement actions against agents and companies, and view a list of available companies.

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