Find a Car Insurance Agent in Boulder Colorado

To locate a good insurance agent in Boulder, Colorado, we recommend you start your search by comparing prices online instead of calling around. The chances are good you’re not only searching for a good agent that listens to you, but also the lowest possible price.

With companies like independent agents, Allstate and State Farm having offices in Boulder, it’s difficult to determine which provider will give you the lowest rates and best service. To help decide, you can use online quotes to assemble a group of agencies and thier coverage prices.

When should I use an insurance agent?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs might need an agent’s assistance.

I have good health insurance, so how much medical payments coverage do I need?
What is the difference between comprehensive and collision coverage?
Should I sign the liability waiver when renting a car?
Does coverage extend to a rental car in a foreign country?
If my vehicle is totaled, can I afford another vehicle?
When would I need additional glass coverage?
How high should my uninsured/underinsured coverage be in Colorado?
Does having multiple vehicles earn me a discount?
Are my friends covered when driving my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent.

Car Insurance through a local Boulder agent

Educated insurance agents can point out coverage gaps and help you file claims. The biggest benefit of price shopping on the web is that you can obtain better rates but also keep your business local. Buying from small agencies is especially important in Boulder.

After filling out this simple form, your insurance coverage information is transmitted to companies in Boulder who will compete to get your business. You don’t have to leave your house since price quotes are sent to the email address you provide. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

Multiple types of insurance agencies in Boulder

When searching for local Boulder agents, you need to know there are two types of insurance agents that you can select. Agencies in Boulder are classified as either captive or independent.

Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When shopping rates, it’s a good idea to include several independent insurance agents for maximum quote selection.

Below is a short list of independent agencies in Boulder that can give you price quote information.

Den Valk Insurance and Financial – 1790 30th St # 302 – Boulder, CO 80301 – (303) 448-5600
MBA Insurance Svc – 1634 Walnut St # 111 – Boulder, CO 80302 – (303) 444-6618
Hopkins Agency – 702 Brooklawn Dr – Boulder, CO 80303 – (720) 304-0079
Heibert Agency – 4564 Arapahoe Ave – Boulder, CO 80303 – (303) 443-5252
SRI Agency – 1900 Folsom St # 110 – Boulder, CO 80302 – (303) 449-6677

Captive Insurance Agents

This type of agents work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to shop your coverage around so they are skilled at selling on more than just price. They are well schooled on the products they sell which helps them compete with independent agents.

Listed below is a list of captive insurance agents in Boulder that can give you price quotes.

Shelter Insurance – 2006 Broadway St # 202 – Boulder, CO 80302 – (303) 444-7505
American Family Insurance – 1823 Folsom St # 201 – Boulder, CO 80302 – (303) 447-1110
Liberty Mutual Insurance – 2700 Canyon Blvd # 210 – Boulder, CO 80302 – (303) 938-9221
Allstate Insurance – 4800 Baseline Rd # D200 – Boulder, CO 80303 – (303) 494-8725
Bill Tutt Tutterow State Farm – 3005 Center Green Dr # 240 – Boulder, CO 80301 – (303) 442-7736
Farmers Insurance Group – 2850 Iris Ave – Boulder, CO 80301 – (303) 442-5302

To view a complete directory of captive insurance agencies in Boulder, please view this page.

Deciding on an auto insurance agent shouldn’t rely on just the price. Some important questions to ask are:

How much will you save each year by using a higher deductible?
Who is covered by the car insurance policy?
Do they have any clout with companies to ensure a fair claim settlement?
Are you getting all the discounts the company offers?
Does the company allow you to choose your own collision repair facility?

Upon receiving satisfactory answers to these questions and an acceptable price quote, you’ve probably found an insurance agent that will adequately provide auto insurance.

But what about GEICO, Progressive and Esurance?

Professional insurance agents are indespensible for some people, but you can also find affordable Colorado auto insurance from companies direct over the internet. Certain auto insurance companies who sell through agents in Boulder also allow you to buy a policy online, and that is helpful.

If you’re anxious about not getting proper coverage when buying car insurance direct, don’t be too concerned. All companies that require consumers to choose their own coverages all have client service departments you can use to get advice on coverages.

Is online auto insurance cheaper? Many people think so, but it’s hard to say for sure because of the number of factors that can increase policy rates. You may think that buying car insurance online prevents the agent from taking a cut. But in most cases, marketing expenses are significant and this tends to eat up any savings.

More consumer information in Colorado

Additional information is available on the website for the Colorado DORA Division of Insurance found here. Consumers can read state legal mandates and laws, find out which companies have the most complaints, file complaints about an insurance agent or broker, and find a variety of consumer forms.

The following information may also be useful.

Quote more, save more

Cheaper auto insurance can be sourced online and also from your neighborhood Boulder agents, and you need to price shop both to have the best selection. Some insurance providers may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.