Do you want to save money by finding cheaper Volvo C70 insurance in Denver? Did a good deal turn out to be an expensive insurance policy? Don’t sweat it because you are not the only one feeling buyer’s remorse.
Unbelievable but true, a large majority of drivers have stayed with the same insurance company for over three years, and nearly 40% of drivers have never even compared rates from other companies. Many drivers in Colorado could save themselves nearly 35% a year just by getting comparison quotes, but they won’t spend time to go online and compare rates.
Insurance companies such as GEICO, Farmers Insurance and State Farm constantly blast consumers with fancy advertisements and consumers find it hard to see through the deception and find the best price available.
If you are already insured, you will most likely be able to find the best rates using these tips. Buying the cheapest auto insurance in Denver is quite easy. But Colorado consumers can benefit from knowing how insurance companies market insurance on the web because rates fluctuate considerably.
When quoting car insurance, remember that comparing a large number of companies will increase your chances of finding a lower rate than you’re paying now. Not every company provides online rate quotes, so it’s important to also get price estimates from those companies as well.
The companies shown below can provide comparison quotes in Denver, CO. If several companies are displayed, we suggest you visit several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C70 T5 2-Dr Convertible | $278 | $496 | $238 | $14 | $72 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price information does not factor in specific Denver garaging location which can change insurance rates greatly.
Drive safe and save
The illustration below illustrates how speeding tickets and at-fault claims can influence Volvo C70 yearly insurance costs for different age categories. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
Get lower-cost Volvo C70 insurance in Denver with discounts
Some insurance providers do not list all possible discounts very clearly, so we took the time to find a few of the more common as well as some of the hidden discounts that you may qualify for.
- Sign Early and Save – A few insurance companies give discounts for switching companies early. You may see this discount when you get Denver auto insurance quotes online.
- Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount because new model year vehicles have to meet stringent safety requirements.
- Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply up to age 25.
- Multi-Vehicle Discounts – Insuring primary and secondary vehicles with the same company can get a discount on all vehicles.
- Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% than drivers with accident claims.
Remember that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.
For a list of providers with discount rates in Colorado, follow this link.
Choosing the best vehicle insurance in Colorado is an important decision
Despite the high cost of buying insurance for a Volvo C70 in Denver, car insurance is a good idea for several reasons.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability coverage in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your Volvo has a lien holder, almost all lenders will require you to have insurance to guarantee payment of the loan. If the policy lapses, the lender will be forced to insure your Volvo at an extremely high rate and force you to reimburse them for the expensive policy.
- Insurance safeguards not only your Volvo but also your assets. It will also provide coverage for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will pay to repair the damage.
The benefits of having car insurance more than cancel out the cost, especially if you ever need it. According to a recent study, the average American driver overpays as much as $830 a year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.
Local Denver insurance agencies
Certain consumers just prefer to visit with an insurance agent and that can be a smart move One of the best bonuses of comparing insurance prices online is you can get the best rates and still have an agent to talk to. And providing support for local agents is still important in Denver.
Once you complete this quick form, your insurance coverage information is sent to insurance agents in Denver that can give you free Denver auto insurance quotes for your car insurance coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent instantly to you. You can find lower rates and a licensed agent to talk to. In the event you want to quote rates for a specific company, you can always go to their quote page to submit a rate quote request.
Different types of Denver car insurance agents
When researching a reliable insurance agency, it can be helpful to understand the types of agencies and how they differ in how they quote coverages. Car insurance agencies are either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
Agents that elect to be independent can quote rates with many companies and that enables them to quote your coverage through lots of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you stay with the same agent.
When comparison shopping, you will definitely want to include at a minimum one independent agency to get the most accurate price comparison.
Featured below is a short list of independent agents in Denver that can give you price quote information.
Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map
Henry Ham Agency, Inc
645 E Evans Ave – Denver, CO 80210 – (303) 744-1341 – View Map
Moody Insurance Agency
8055 E Tufts Ave #1000 – Denver, CO 80237 – (303) 824-6600 – View Map
Exclusive Agencies
Agents that choose to be exclusive can only provide one company’s prices and some examples include Allstate and State Farm. They generally cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They receive extensive training in insurance sales which can be an advantage.
The following are Denver exclusive insurance agents that are able to give rate quotes.
Hank Dorner – State Farm Insurance Agent
118 W 5th Ave – Denver, CO 80204 – (303) 280-1115 – View Map
Val Laskowski – State Farm Insurance Agent
5353 W Dartmouth Ave #410 – Denver, CO 80227 – (303) 987-8849 – View Map
Austin Domsch – State Farm Insurance Agent
400 S Colorado Blvd #890 – Denver, CO 80246 – (303) 321-0895 – View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap price quote. Here are some questions to ask:
- Do they write coverage based solely on cost?
- Does the company allow you to choose your own collision repair facility?
- Which insurance companies are they affiliated with?
- Do they offer claims assistance after hours?
- Do they specialize in personal lines auto insurance in Denver?