Cheapest Quotes on Westminster Car Insurance

Do you get confused by the crazy number of auto insurance sources available to you? Many other drivers are as well. Colorado consumers have so many options that it can quickly become a challenge to locate the lowest prices. Westminster is a wonderful place to live, but high auto insurance rates can make it nearly impossible for many drivers to be able to buy decent coverage.

It’s shocking but most consumers kept their coverage with the same auto insurance company for more than four years, and approximately 40% of consumers have never compared auto insurance rates at all. Many drivers in Colorado could pocket almost 35% a year just by shopping around, but they don’t believe the large savings they would see if they switched to a more affordable policy.

You need to get comparison quotes at least once a year because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on auto insurance last year other companies may now be cheaper. There is a lot of bad information regarding auto insurance on the web, but in a few minutes you can learn a bunch of ideas how to lower your auto insurance premiums.

When looking for low cost Westminster car insurance quotes, there are a couple ways of comparing rates from car insurance companies in your area. By far the easiest way to comparison shop is to use the internet to compare rates.

Just remember that quoting more helps increase your odds of locating a lower rate than you’re paying now.

The companies in the list below have been selected to offer free rate quotes in Westminster, CO. If more than one company is shown, we recommend you visit several of them in order to find the most affordable rates.

Insurance Price Estimates for Popular Vehicles in Westminster
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $1,244 $622 $104
Dodge Grand Caravan Hero $1,248 $624 $104
Dodge Ram Crew Cab Sport 2WD $1,418 $709 $118
Ford Edge Sport AWD $1,158 $579 $97
Ford Escape XLS 2WD $1,052 $526 $88
Ford F-150 XL Crew Cab 4WD $1,214 $607 $101
Ford Focus SE 4-Dr Sedan $1,338 $669 $112
Ford Fusion S 4-Dr Sedan $1,220 $610 $102
GMC Sierra SLT Extended Cab 2WD $1,266 $633 $106
Honda Accord EX 2-Dr Coupe $1,164 $582 $97
Honda CR-V EX-L 4WD $808 $404 $67
Honda Civic DX 2-Dr Coupe $1,406 $703 $117
Hyundai Sonata GLS 4-Dr Sedan $1,146 $573 $96
Jeep Grand Cherokee Laredo 4WD $1,342 $671 $112
Mazda 3 S Grand Touring 4-Dr Hatchback $1,292 $646 $108
Nissan Altima 2.5 S 2-Dr Coupe $1,376 $688 $115
Toyota Camry LE $932 $466 $78
Toyota Corolla XLE $860 $430 $72
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in zip code location which can increase or decrease price quotes noticeably.

Physical damage deductibles: Should you raise them?

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The following insurance rates may aid in understanding the premium difference of buying low and high deductibles. The first price estimate table uses a $100 deductible and the second rate chart uses a $500 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $264 $448 $352 $20 $106 $1,215 $101
Acadia SL AWD $302 $448 $352 $20 $106 $1,253 $104
Acadia SLE 2WD $302 $448 $352 $20 $106 $1,253 $104
Acadia SLE AWD $302 $546 $352 $20 $106 $1,351 $113
Acadia SLT 2WD $302 $546 $352 $20 $106 $1,351 $113
Acadia SLT AWD $342 $546 $352 $20 $106 $1,391 $116
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GMC Acadia insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $192 $304 $352 $20 $106 $974 $81
Acadia SL AWD $220 $304 $352 $20 $106 $1,002 $84
Acadia SLE 2WD $220 $304 $352 $20 $106 $1,002 $84
Acadia SLE AWD $220 $368 $352 $20 $106 $1,066 $89
Acadia SLT 2WD $220 $368 $352 $20 $106 $1,066 $89
Acadia SLT AWD $250 $368 $352 $20 $106 $1,096 $91
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in specific location information which can affect coverage rates significantly.

Based on this data, using a $100 deductible costs an average of $23 more each month or $276 annually than opting for the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claims, you would probably be better off going with the higher deductible.

Full coverage or liability only

The diagram below examines GMC Acadia insurance costs with liability coverage only compared to full coverage. The premiums are based on no claims or violations, $500 deductibles, married male driver, and no other discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying physical damage coverage

There is no set guideline that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s assume your GMC Acadia replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying your policy deductible. If it’s costing you more than $600 a year for full coverage, then you may need to consider dropping full coverage.

There are some scenarios where only buying liability is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

These discounts can lower your insurance quotes

Some insurance providers don’t always advertise the entire discount list very clearly, so the list below details both well-publicized as well as some of the hidden insurance savings.Cheaper insurance with discounts

You should keep in mind that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, nobody gets a free ride. Any amount of discount will reduce the amount you pay for coverage.

The best insurance companies and a summarized list of policyholder discounts are shown below.

When quoting, ask each insurance company to give you their best rates. A few discounts might not be offered in Westminster. To choose providers who offer cheap insurance quotes in Westminster, click here.

Why car insurance is not optional

Even though rates can get expensive, maintaining insurance is required by state law in Colorado and it also provides benefits you may not be aware of.

The benefits of having car insurance definitely exceed the cost, especially when you need to use it. An average driver in America is overpaying more than $750 every year so you should quote and compare rates at every policy renewal to save money.

Insurance agents can help

Keep in mind that when it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.Drive safe and save

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Local neighborhood Westminster car insurance agents

Certain consumers would prefer to go talk to an agent and that can be a great decision One of the great benefits of getting online price quotes is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

Find insurance agent in WestminsterTo help locate an agent, after submitting this quick form, your information is sent to participating agents in Westminster who will give you bids for your auto insurance coverage. You don’t have to contact any agents since price quotes are sent to the email address you provide. You can most likely find cheaper rates without a big time investment. If you want to compare prices from a specific auto insurance provider, feel free to find their quoting web page and give them your coverage information.

Deciding on an insurer should depend on more than just the quoted price. These are some questions your agent should answer.

Westminster car insurance agents are either independent or exclusive

If you are wanting to find a local agent, it’s helpful to know the types of insurance agents and how they can write your policy. Agents in Westminster may be either exclusive or independent.

Exclusive Insurance Agencies

These agents can only quote rates from one company such as Farmers Insurance, Allstate, or State Farm. They are unable to give you multiple price quotes so you need to shop around if the rates are high. They are trained well in insurance sales which helps offset the inability to provide other markets. Many people buy insurance from these agents mostly because of the brand legacy and solid financial strength.

The following is a list of exclusive agencies in Westminster who may provide you with price quotes.

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Independent Auto Insurance Agents

Agents of this type can quote rates with many companies and that is an advantage because they can write policies with lots of companies and find the cheapest auto insurance rates. If premiums increase, they simply switch companies in-house and you don’t have to switch agencies. When comparing auto insurance rates, you will definitely want to get insurance quotes from several independent insurance agents to ensure the widest selection of prices. Most independent agents also contract with companies that do not advertise much which can save you money.

Shown below is a list of independent agencies in Westminster that can give you comparison quotes.

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