Locating the cheapest insurance for a Hyundai Entourage in Colorado can turn out to be a lot of work, but you can learn these tips to make it easier.
There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to price shop coverage for a Hyundai and obtain the best price possible from both online companies and Denver agents.
A study showed that a large majority of consumers have remained with the same car insurance company for at least the last four years, and almost half have never compared rates from other carriers. With the average premium in America being $1,847, drivers could cut their rates by approximately 47% a year just by comparing rates, but they feel it’s too difficult to do a rate comparison.
Free Denver Hyundai Entourage insurance rate quotes
The companies shown below offer quotes in Denver, CO. If several companies are displayed, we suggest you visit as many as you can in order to find the most affordable rates.
Here’s why insurance is not optional
Despite the high insurance cost for a Hyundai Entourage in Denver, paying for insurance serves an important purpose.
First, the majority of states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability insurance in order to drive the car. 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.
Second, if your vehicle has a lien holder, most lenders will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Hyundai for a lot more money and force you to pay the higher premium.
Third, insurance protects not only your car but also your financial assets. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of buying insurance are without a doubt worth the cost, especially with large liability claims. But the average American driver overpays as much as $865 each year so we recommend shopping around every year to make sure the price is not too high.
Truth in car insurance advertising
Colorado consumers can’t escape the ads that claim the best premium rates from the likes of Progressive, GEICO, Allstate and State Farm. All the companies try to convey promises about how much you will save after switching your coverage.
Is it even possible that every company can claim to save you money? It’s all in the numbers.
Most companies require specific criteria for the type of insured they prefer to insure. For example, this type of insured might have to be a mature driver, has few claims, and drives newer vehicles. Any driver who matches that profile receive the lowest rate quotes in Denver and is almost guaranteed to cut their Hyundai Entourage insurance rates if they switch.
Potential customers who fall outside these standards may be forced to pay higher prices which results in the prospect going elsewhere. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can truthfully advertise the savings.
Because of the profiling, you really need to get price quotes at each policy renewal. It’s just too difficult to predict which company will have the lowest auto insurance rates for your situation.
Take advantage of these money saving discounts
Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so the list below details a few of the more common and the harder-to-find ways to save on auto insurance.
- Discount for Good Grades – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up to age 25.
- Low Mileage Discounts – Driving less could earn discounted rates on garaged vehicles.
- Distant Student – College-age children who live away from home to go to college and do not have a car can be insured at a reduced rate.
- ABS Braking Discount – Cars with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
- Club Memberships – Affiliation with qualifying clubs or civic groups is a simple method to lower premiums when getting a Denver car insurance quote.
- Multiple Cars – Buying insurance for more than one vehicle with one company may reduce the rate for each vehicle.
Drivers should understand that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
To choose companies that provide some of the discounts listed above in Denver, click here.
Insurance quotes from local Denver insurance agencies
Many people just prefer to buy from a local agent and that can be a great decision Professional insurance agents are very good at helping people manage risk and help submit paperwork. One of the great benefits of getting free rate quotes online is that drivers can save money and get lower rates but also keep your business local. And providing support for local agencies is definitely important in Denver.
By using this short form, your information is emailed to insurance agents in Denver that give free quotes for your insurance coverage. You won’t even need to contact any agents because prices are sent straight to your inbox. If for some reason you want to get a price quote from a specific insurance company, feel free to visit that company’s website and fill out the quote form the provide.
If you want to buy insurance from a local insurance agency, there are two types of agencies and how they can service your needs differently. Insurance agencies in Denver are classified as either independent or exclusive depending on the company they work for. Both types can write policy coverage, but it is a good idea to know the differences because it can factor into which agent you choose.
Independent Insurance Agencies
Agents that choose to be independent do not sell for just one brand and that gives them the ability to insure amongst many companies and find the cheapest insurance rates. If they find a lower price, they can switch companies in-house which requires no work on your part. When comparing insurance rates, we highly recommend that you get several quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with companies you’ve never heard of who may have lower rates.
Featured below is a list of independent agencies in Denver that may be able to give free insurance quotes.
- Affordable American Insurance-Lloyd Nguyen Agency
1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 – View Map
- Aspen Insurance Agency
2238 S Broadway – Denver, CO 80210 – (303) 777-2991 – View Map
- Moody Insurance Agency
8055 E Tufts Ave #1000 – Denver, CO 80237 – (303) 824-6600 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only write with one company such as State Farm or Allstate. These agents are not able to compare rates from other companies so keep that in mind. Exclusive insurance agents are trained well on the products they sell which helps them sell on service rather than price. Consumers frequently buy from the same agent for years mainly due to the brand legacy rather than low rates.
Shown below are Denver exclusive insurance agents that are able to give price quote information.
- Farmers Insurance – Greg Delgado
2839 Wyandot St – Denver, CO 80211 – (720) 588-4111 – View Map
- Don Middleton – State Farm Insurance Agent
1900 Wazee St #1538 – Denver, CO 80202 – (303) 595-5500 – View Map
- Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 – View Map
Picking the best insurance agency is decision based upon more than just the quoted price. You should also get answers to these questions.
- Are they paid to recommend certain coverages?
- Are they primarily personal or commercial lines agents in Denver?
- Will your rates increase after a single accident?
- Is every driver in your family covered?
- Where are claims handled?
- Does the agency support the community they serve?
- Is working in the agency their full-time job?
After talking to the agent and getting positive feedback to all your questions as well as offering an affordable quote, it’s a good possibility that you have found an insurance agent that can be relied on to provide insurance coverage. Just understand that you can cancel coverage any time you want so never assume that you are permanently stuck with the insurance policy with no way to switch.
Do the work, save more money
We just showed you some good ideas how you can save on Hyundai Entourage insurance in Denver. The key concept to understand is the more providers you compare, the better likelihood of getting low cost Denver car insurance quotes. You may even discover the best premium rates are with some of the lesser-known companies.
Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, an unsatisfactory settlement offer or high prices. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.
There are still a few companies who may not provide online price quotes and many times these regional insurance providers only sell coverage through independent insurance agents. Low-cost Hyundai Entourage insurance in Denver is possible on the web in addition to many Denver insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.
Additional information is located at these links:
- Vehicle Size and Weight FAQ (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a School Permit in Denver? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Requiring a SR22 in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance for Active Military? (FAQ)
- Cellphones, Texting and Driving (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Coverage Information (Progressive Insurance)