Did you come to the realization that you have overpriced Saab 9-7X insurance in Denver? Believe me, many Denver drivers feel the same as you.
It’s hard to fathom, but nearly 70% of customers kept buying from the same company for well over three years, and 38% of customers have never compared rates to find cheap insurance. With the average auto insurance premium being $1,847, U.S. drivers could cut their rates by as much as $850 a year by just shopping around, but most tend to underestimate how much money they would save if they just switched companies. People have multiple insurers to pick from, and even though it’s nice to have a selection, too many choices makes it more difficult to adequately compare rates for Saab 9-7X insurance in Denver.
Finding the cheapest insurance coverage in Denver is actually not that difficult if you follow our advice. If you currently have a car insurance policy, you stand a good chance to be able to shop for the lowest rates using the following tips. Drivers just need to use the fastest way to get comparison rates instantly.
How to compare Denver Saab 9-7X insurance price quotes
Cutting your car insurance rates isn’t really that difficult. All you need to do is spend a few minutes comparing price quotes to discover which company has cheaper Denver car insurance quotes.
Online shopping is fast and free, and it makes it a waste of time to go to insurance agencies in your area. The ability to get quotes online reduces the need to sit down with an agent unless you’re the type of person who wants the trained advice of a local agent. It is possible with some companies get prices online but buy the policy through an agent.
The providers in the list below are ready to provide free rate quotes in Colorado. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.
Auto insurance is not optional
Despite the potentially high cost of Saab 9-7X insurance, auto insurance is required by state law in Colorado and it also provides benefits you may not be aware of.
First, just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability 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.
Second, if your Saab 9-7X has a loan, almost all lenders will make it mandatory that you have insurance to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Saab at an extremely high rate and require you to pay for it.
Third, insurance safeguards not only your Saab but also your financial assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in America is overpaying over $825 a year so it’s important to compare rates every year to ensure rates are inline.
Eight discounts for cheaper car insurance quotes
Some providers do not list all their discounts in an easy-to-find place, so we researched a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Denver car insurance online.
- Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
- Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
- Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn slightly better prices than normal.
- Federal Government Employee – Active or former government employment could provide a small rate reduction with a few car insurance companies.
- Drivers Education – Teen drivers should successfully complete driver’s ed class if offered at their school.
- Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
- 55 and Retired – Drivers over the age of 55 may receive better car insurance rates.
- Military Discounts – Having an actively deployed family member could be rewarded with lower prices.
Remember that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.
A list of car insurance companies and their possible discounts are included below.
- State Farm may offer discounts for passive restraint, safe vehicle, driver’s education, multiple autos, and good driver.
- Farmers Insurance offers discounts including homeowner, good student, multi-car, bundle discounts, and pay in full.
- GEICO discounts include defensive driver, good student, multi-vehicle, federal employee, and military active duty.
- American Family policyholders can earn discounts including good driver, mySafetyValet, good student, bundled insurance, multi-vehicle, and TimeAway discount.
- Nationwide offers discounts for good student, easy pay, Farm Bureau membership, multi-policy, defensive driving, anti-theft, and business or organization.
- Progressive has savings for homeowner, online signing, multi-policy, online quote discount, and multi-vehicle.
Before buying, ask every insurance company the best way to save money. Some discounts might not be offered in every state. If you would like to choose from a list of providers that have a full spectrum of discounts in Denver, follow this link.
When to contact a local insurance agent
Many drivers would prefer to sit down with an agent and that is not a bad decision Experienced insurance agents can point out coverage gaps and help file insurance claims. One of the best bonuses of getting online price quotes is you may find lower rates but also keep your business local.
For easy comparison, once you complete this quick form, your coverage information gets sent to insurance agents in Denver who can give free rate quotes for your coverage. You don’t have to find an agent as quotes are delivered immediately to your email address. In the event you want to get a rate quote from a specific company, just navigate to their website and fill out their quote form.
Deciding on a company should depend on more than just a cheap quote. Any agent in Denver should have no problem answering these questions:
- What is the financial rating for the quoted company?
- Is the agency covered by Errors and Omissions coverage?
- What company holds the largest book of business for them?
- Which members of your family are coverage by the policy?
- Will they take your side in the event of a claim?
- How is replacement cost determined on your vehicle?
The different types of auto insurance agents
When searching for a reputable insurance agent or broker, you must know there are a couple different types of agencies and how they are slightly different. Insurance agencies in Denver are either independent (non-exclusive) or exclusive. Either type can do a good job, but it’s important to know the difference between them because it may have an impact on which type of agent you select.
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents are highly trained in insurance sales which aids in selling service over price.
Listed below are Denver exclusive agencies that are able to give price quote information.
Agents of this type do not write with just one company and that allows them to write policies with lots of companies and find the cheapest rate. If they quote lower rates, they simply move your policy to a different company which is easy for the insured.
When comparing insurance rates, you definitely need to include at least one independent agent to have the most options to choose from.
Shown below are Denver independent insurance agencies who can help you get comparison quotes.
57 W Alameda Ave – Denver, CO 80223 – (303) 722-2841 – View Map
Car insurance coverage considerations
Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.
Protection from uninsured/underinsured drivers – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Saab 9-7X.
Because many people have only the minimum liability required by law (Colorado limits are 25/50/15), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.
Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/15 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $15,000 of coverage for damaged property.
Liability coverage protects against claims such as emergency aid, bail bonds and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Colorado requires minimum liability limits of 25/50/15 but drivers should carry more liability than the minimum.
Collision – This coverage covers damage to your 9-7X resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sideswiping another vehicle, crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible on your 9-7X to save money on collision insurance.
Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, rock chips in glass and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical expense insurance – Med pay and PIP coverage kick in for immediate expenses for things like pain medications, EMT expenses, rehabilitation expenses, hospital visits and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Keep this in mind when shopping around
In this article, we presented many ideas to shop for Saab 9-7X insurance online. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the smaller companies. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.
As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for a Nissan Sentra in Denver? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)