Are you intimidated by the sheer number of insurance choices that you can choose from? Many other drivers are as well. There are so many options that it can really be a lot of work to find the perfect company for you. If you live there, you know that Denver is a great city to raise a family in, but pricey insurance can make it very difficult to stay on budget.
It’s astonishing, but 70% of consumers have purchased from the same company for at least four years, and nearly half have never compared insurance rates at all. The average driver in the United States could cut their rates by almost $859 a year just by comparing rates, but they just don’t understand how much money they would save if they just switched companies.
It’s smart to shop coverage around occasionally because insurance rates go up and down regularly. Even if you think you had the lowest premium rates on Saturn Astra insurance in Denver last year you will most likely find a better price today. Forget all the misinformation about insurance because I’m going to teach you the things you must know in order to lower your annual insurance bill.
Buying the lowest cost protection in Denver is not as difficult as people think. Nearly every vehicle owner who carries auto insurance will probably get better rates. But Colorado vehicle owners benefit from understanding how big insurance companies price insurance differently because it can help you find the best coverage.
When quoting car insurance, remember that comparing a large number of companies helps increase your odds of locating a lower rate.
The providers in the list below are our best choices to provide free quotes in Denver, CO. If multiple providers are shown, we suggest you compare several of them to find the most affordable auto insurance rates.
You may want advice from an insurance agency
A lot of people still prefer to buy from a licensed agent and that is not a bad decision The best thing about price shopping on the web is that drivers can save money and get the best rates but also keep your business local. Buying insurance from local agents is especially important in Denver.
To help locate an agent, after submitting this simple form, the coverage information is immediately sent to agents in your area who will return price quotes for your business. You never need to search for an agent since rate quotes are delivered immediately to your email address. You can find better rates and a licensed agent to work with. If you need to compare rates from a particular provider, just navigate to their website and complete a quote there.
If you want to use a local Denver insurance agent, you should know the different types of agents and how they operate. Car insurance agents in Denver are either independent or exclusive.
Independent Car Insurance Agencies or Brokers
These type of agents are not employed by any specific company and that is an advantage because they can write policies with an assortment of companies and get the cheapest rates. To transfer your coverage to a different company, your agent can switch companies which is easy for the insured. When comparing car insurance rates, it’s a good idea to get rate quotes from a couple of independent agencies for the best price selection. Most have the option of insuring with lesser-known insurance companies which can save you money.
Shown below are independent agencies in Denver who may be able to give you cheap rate quotes.
- FUSA Insurance Agency
7900 E Union Ave #200 – Denver, CO 80237 – (303) 752-5806 – View Map - Moody Insurance Agency
8055 E Tufts Ave #1000 – Denver, CO 80237 – (303) 824-6600 – View Map - Premier Group Insurance
1777 W 38th Ave #102 – Denver, CO 80211 – (303) 477-0505 – View Map
Exclusive Agencies
Agents that elect to be exclusive are contracted to one company and examples are State Farm or Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. Some consumers prefer to buy from exclusive agents mostly because of the prominent brand name and strong financial ratings.
The following are exclusive insurance agencies in Denver that are able to give price quote information.
- Allstate Insurance: Charles F. Simmons
797 S Pearl St – Denver, CO 80209 – (303) 722-0191 – View Map - Farmers Insurance – Angel Le
1145 S Federal Blvd – Denver, CO 80219 – (303) 975-8911 – View Map - Bao Ngoc Nguyen – State Farm Insurance Agent
1699 S Federal Blvd b – Denver, CO 80219 – (303) 975-1100 – View Map
Finding the right insurance agent requires you to look at more than just a low price. Agents should be asked these questions:
- Will the quote change when the policy is issued?
- Do you need full coverage on every vehicle?
- Will you get a loaner vehicle if you car is being repaired?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they have any clout with companies to ensure a fair claim settlement?
- How does the company pay claims for a total loss?