How many years has it been since you compared more competitive insurance rates in Centennial, CO? Nobody that owns a car likes having to buy insurance, in particular when they are paying too much.
Unbelievably, a large majority of drivers renewed their policy with the same company for well over three years, and nearly 40% of drivers have never even compared rates from other companies. Drivers in Colorado can cut their rates by $600 a year just by shopping around, but most just don’t grasp the actual amount they would save if they replace their high priced policy.
Since people have many insurance providers from which to choose, it’s difficult to pick a lower cost company.
You need to quote other rates occasionally since insurance prices change frequently. Despite the fact that you may have had the best price on insurance six months ago you can probably find a lower rate today. There are lots of tips to save on insurance online, but I’m going to show you some great ideas on how to find affordable insurance in Centennial.
Finding the cheapest insurance coverage in Centennial can be easy if you know a few tricks. Practically anyone who comparison shops for insurance will be able to reduce their rates. But Colorado drivers can benefit from knowing the way companies determine how much to charge and use this information to your advantage.
To find the best auto insurance prices, there are several ways of comparing rates from auto insurance companies in your area. The easiest way to find affordable insurance rates consists of shopping online.
Comparing rates online is fast and free, and it makes it obsolete to spend time driving to insurance agencies in your area. Quoting and buying auto insurance online makes this process obsolete unless you’re the type of person who wants the peace of mind of a local agency. It is possible to compare the best prices online but purchase the actual policy in an agency.
Just remember that comparing a wide range of rates helps locate the best offered rates.
The providers in the list below are our best choices to provide free rate quotes in Colorado. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$976||$488||$81|
|Chevrolet Silverado LS Crew Cab 2WD||$1,266||$633||$106|
|Dodge Ram Quad Cab Laramie 2WD||$1,218||$609||$102|
|Ford Edge Sport 2WD||$1,176||$588||$98|
|Ford Escape XLS 2WD||$830||$415||$69|
|Ford Explorer Limited 2WD||$832||$416||$69|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,156||$578||$96|
|Ford Focus SES 4-Dr Sedan||$996||$498||$83|
|Honda Accord EX 4-Dr Sedan||$796||$398||$66|
|Honda CR-V EX-L 4WD||$926||$463||$77|
|Honda Civic DX 2-Dr Coupe||$1,610||$805||$134|
|Hyundai Sonata Limited 4-Dr Sedan||$1,266||$633||$106|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,466||$733||$122|
|Toyota Camry LE||$1,106||$553||$92|
|Toyota Corolla XLE||$1,134||$567||$95|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can raise or lower price quotes substantially.
Car insurance deductibles
The diagram below demonstrates how choosing different deductibles and can affect Ford Focus insurance costs for different age groups. The costs are based on a single female driver, full coverage, and no discounts are taken into consideration.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
These discounts can lower your insurance rates
The cost of insuring your cars can be expensive, but there may be some discounts that can help lower your rates. Some discounts apply automatically when you purchase, but a few must be asked about prior to getting the savings.
- Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10%.
- Air Bag Discount – Options like air bags can qualify for discounts of 20% or more.
- Multiple Cars – Drivers who insure several vehicles on the same insurance policy could earn a price break for each car.
- Early Renewal Discounts – Select insurance companies give a discount for switching policies before your current expiration date. You could save around 10% when you buy Centennial car insurance online.
- Homeowners Savings – Just being a homeowner may earn you a small savings because owning a home shows financial diligence.
- Discount for Low Mileage – Fewer annual miles may enable drivers to earn lower insurance rates due to less chance of an accident.
- Student in College – Children who live away from home at college and do not have a car may be able to be covered for less.
- Pay Early and Save – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
- Club Memberships – Affiliation with a professional or civic organization may earn a discount on your next renewal.
It’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But any discount will lower the amount you have to pay.
To see insurers that provide some of the discounts listed above in Colorado, click here to view.
Learn how to lower your insurance premiums
It’s important that you understand the different types of things that play a part in calculating insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can earn you cheaper rates.
Better rates for continuous coverage – Allowing your insurance policy to lapse can be a guaranteed way to trigger a rate increase. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the Colorado department of motor vehicles.
Better insurance rates with anti-theft devices – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
Insure car and home with the same company – Most insurers allow a discount to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible. You may still save even more by insuring with multiple companies.
File a claims and pay more – If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Companies in Colorado award cheaper rates to people who are not frequent claim filers. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
Single drivers may pay higher premiums – Having a wife or husband may cut your premiums compared to being single. Marriage may mean you are more responsible and insurance companies reward insureds because drivers who are married are more cautious.
Only buy add-on coverages you need – There are quite a few additional coverages that can waste your money if you aren’t diligent. Coverages for replacement cost coverage, towing coverage, and extra equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate them to save money.
Insurance rates and age – Older drivers are proven to be safer behind the wheel, tend to file fewer claims, and usually have better credit.Beginning drivers are proven to be careless and easily distracted behind the wheel so insurance rates are higher.
Buy as much liability insurance as you can afford – Your insurance policy’s liability coverage will provide protection when you are ruled to be at fault for damages from an accident. Liability provides legal defense which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.
Auto insurance is available from local agents
A lot of people still prefer to get advice from a local agent. The biggest benefit of comparing auto insurance online is the fact that you can find lower rates and still buy from a local agent.
Upon completion of this short form, your insurance coverage information is immediately sent to companies in Centennial who will give you bids for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies since rate quotes are delivered to the email address you provide. It’s the lowest rates without the usual hassles of price shopping. If for some reason you want to get a rate quote from a specific insurance company, feel free to search and find their rate quote page and give them your coverage information.
Choosing the best insurer shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- Do you need full coverage on every vehicle?
- Is the agency covered by Errors and Omissions coverage?
- Do you work with a CSR or direct with the agent?
- Do they offer claims assistance after hours?
- When do they do policy reviews?
- How long have they been in business?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- What are the financial ratings for the companies they represent?
Compare rates from both independent and exclusive car insurance agents
If you want to use a local agent, you must know there are a couple types of agencies and how they are slightly different. Agents in Centennial are either exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agencies
Agents of this type are contracted to one company and examples are American Family, State Farm, and AAA. They usually cannot compare other company’s rates so keep that in mind. Exclusive agents are trained well in insurance sales and that allows them to sell at a higher price point.
Listed below are Centennial exclusive insurance agents that can give you comparison quotes.
American Family Insurance – Ram V Nathan Agency Inc.
9085 E Mineral Cir Ste 370 – Centennial, CO 80112 – (303) 799-0777 – View Map
Greg Gallegos-State Farm Insurance Agent
4550 S Reservoir Rd, D – Aurora, CO 80015 – (720) 242-6011 – View Map
Sam Moore – State Farm Insurance Agent
5730 E Otero Ave #100 – Centennial, CO 80112 – (303) 220-9911 – View Map
Independent Auto Insurance Agents
Agents that elect to be independent do not work for one specific company and that enables them to quote your coverage with any number of different companies and possibly get better coverage at lower prices. If prices rise, they can switch companies in-house and you stay with the same agent. When comparing rate quotes, you definitely need to include a couple of independent agencies for the best price selection.
Shown below is a list of independent agents in Centennial that are able to give rate quotes.
Rosenbloom Art Insurance Agent
7485 E Peakview Ave – Centennial, CO 80111 – (720) 529-0302 – View Map
7383 S Alton Way – Centennial, CO 80112 – (303) 996-9000 – View Map
Nationwide Insurance: Steven DeLuca Agency Inc
6021 S Syracuse Way #207 – Greenwood Village, CO 80111 – (720) 484-3732 – View Map
Be persistent to save money
We just covered some good ideas how you can save on car insurance in Centennial. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost Centennial car insurance quotes. You may even discover the most savings is with an unexpected company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.
Cost effective car insurance can be found from both online companies in addition to many Centennial insurance agents, so you need to quote Centennial car insurance with both in order to have the best chance of saving money. Some companies may not provide price quotes online and many times these regional insurance providers sell through independent agents.
Additional detailed information is located in these articles:
- Alcohol Impaired Driving FAQ (iihs.org)
- Who Has the Cheapest Car Insurance for Safe Drivers in Denver? (FAQ)
- Who Has Cheap Auto Insurance for College Graduates in Denver? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Edge in Denver? (FAQ)
- How Much are Auto Insurance Quotes for Felons in Denver? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Hyundai Santa Fe in Denver? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Vehicle Safety Ratings (iihs.org)
- Learn About Car Insurance (GEICO)
- Help Your Teen Be a Better Driver (State Farm)