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.

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.

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.

• Telematics Devices – People who choose to allow driving data submission to scrutinize driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
• Drive Safe and Save – Safe drivers can save up to 40% or more on their Westminster car insurance quote than their less cautious counterparts.
• Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on Westminster car insurance quote in comparison to frequent claim filers.
• Student Driver Training – Require your teen driver to enroll and complete driver’s education as it can save substantially.
• Discount for Swiching Early – Some larger companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
• Driver Training Discounts – Completing a defensive driving class could earn you a small percentage discount and easily pay for the cost of the class.
• Discounts for Federal Employees – Active or retired federal employment can save as much as 8% but check with your company.
• Accident Forgiveness Coverage – Not really a discount, but some companies like Progressive, State Farm and GEICO will allow you to have one accident before your rates go up if you have no claims for a particular time prior to the accident.
• E-sign Discounts – A handful of larger companies provide a small discount for buying your policy digitally online.
• Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates when shopping for insurance.

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.

• State Farm policyholders can earn discounts including passive restraint, Drive Safe & Save, safe vehicle, multiple autos, multiple policy, and driver’s education.
• Liberty Mutual discounts include preferred payment discount, new move discount, new graduate, new vehicle discount, multi-policy, and teen driver discount.
• American Family includes discounts for multi-vehicle, early bird, good driver, good student, TimeAway discount, and air bags.
• Progressive may offer discounts for continuous coverage, online quote discount, online signing, good student, homeowner, multi-vehicle, and multi-policy.
• Farmers Insurance offers discounts including pay in full, teen driver, homeowner, switch companies, multi-car, youthful driver, and alternative fuel.
• Auto-Owners Insurance may have discounts that include student away at school, air bags, safe driver, paperless, company car, and paid in full.
• SAFECO may include discounts for accident prevention training, teen safety rewards, multi-car, anti-lock brakes, and homeowner.

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.

• Most states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to be legal. 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 you have a lien on your vehicle, almost all lenders will make it a condition of the loan that you have insurance to guarantee loan repayment. If you default on your policy, the bank will be required to insure your vehicle for a lot more money and force you to pay the higher price.
• Car insurance preserves not only your vehicle but also your financial assets. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, your car insurance policy will cover the repair costs.

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.

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

• Do I need to file an SR-22 for a DUI in Colorado?
• Is a blown tire covered by insurance?
• Does low annual mileage earn a discount?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is covered by UM/UIM coverage?

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.

To 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.

• Does the agency have a current Errors and Omissions policy?
• Do the coverages you’re quoting properly cover your vehicle?
• What will you get paid if your car is a total loss? How is that amount determined?
• Which companies do they recommend if they are an independent agency?
• Can you contact them at any time?
• Does their agency support local causes in Westminster?
• Will a damage claim use OEM or aftermarket replacement parts?
• What is the agency’s Better Business Bureau rating?

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.

• Farmers Insurance – Tim Cronk
  9101 Harlan St #315 – Westminster, CO 80031 – (303) 963-5177 – View Map
• Chuck Vigil – State Farm Insurance Agent
  9191 Sheridan Blvd #200 – Westminster, CO 80031 – (303) 427-7800 – View Map
• Shelter Insurance – Peter Aiello
  1333 W 120th Ave #120 – Westminster, CO 80234 – (303) 254-9793 – View Map

More insurance agents

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.

• Aspen Gold Insurance Brokers
  8671 Wolff Ct #240 – Westminster, CO 80031 – (720) 600-7470 – View Map
• Diaz Agency
  8442 Federal Blvd – Westminster, CO 80031 – (303) 427-9600 – View Map
• Richards, Seeley and Schaefer, Inc
  3640 W 112th Ave – Westminster, CO 80031 – (303) 429-3561 – View Map

More insurance agents