Costing Too Much for Car Insurance in Commerce City? Here’s How to Save!

Perplexed by the crazy number of car insurance options in Commerce City? You’re not the only one! There are so many options that it can easily become more work than you anticipated to find the best price.

Choosing the best insurance company for you in Commerce City is not that difficult. If you have car insurance now, you will be able to save some money using these techniques. But Colorado drivers must know how big insurance companies determine prices because it can help you find the best coverage.

Save big with these discounts

Companies do not advertise all available discounts very well, so we researched both the well known as well as the least known car insurance savings.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Auto/Life Discount – Some companies give a break if you buy life insurance from them.
  • 55 and Retired – Mature drivers may receive a small decrease in premiums.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • No Claims – Drivers with accident-free driving histories pay much less compared to drivers who are more careless.

Drivers should understand that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, it doesn’t quite work that way.

But I don’t know anything about car insurance

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my personal policy cover me when driving my company car?
  • Where can I get insurance after a DUI in Colorado?
  • Does my liability insurance cover pulling a trailer or camper?
  • What are the financial responsibility laws in Colorado?
  • Are rental cars covered under my policy?
  • Am I getting all the discounts available?
  • What if I total my vehicle and owe more than it’s worth?
  • Who is covered by my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Read more about Colorado car insurance

Additional detailed information is located at the Colorado DORA Division of Insurance website. Consumers can get help finding coverage, find out which companies have the most complaints, read industry bulletins, and read consumer alerts.

A tidy conclusion

We just presented quite a bit of information on how to save on car insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with some of the lesser-known companies.

Affordable car insurance is attainable both online as well as from independent agents in Commerce City, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

People switch companies for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, policy cancellation and unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company is easier than you think.