Do you want to learn to get the cheapest Subaru WRX insurance in Denver? If shopping for Denver car insurance quotes online is new to you, you can easily be bewildered thanks to the huge assortment local agents and online companies all claiming to save you money.
A recent study showed that a large majority of drivers have remained with the same auto insurance company for over three years, and 38% of customers have never compared rates to find cheap insurance. Denver drivers can cut their rates by about $610 a year by just comparing quotes, but they just don’t understand the big savings they would realize if they changed companies.
Locating the best rates in Denver can be much easier if you know how to start. If you are paying for car insurance now, you stand a good chance to be able to cut your premiums using this information. But Colorado drivers must know the way companies market insurance on the web and take advantage of how the system works.
Get cheap rates on Subaru WRX insurance in Denver with these seven discounts
Companies offering auto insurance do not advertise all available discounts very clearly, so here is a list both the well known and also the lesser-known credits available to you. If they aren’t giving you every credit available, you are throwing money away.
- Discounts for Multiple Vehicles – Buying insurance for several vehicles with one company can reduce the rates for all insured vehicles.
- Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Allstate and GEICO will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a particular time prior to the accident.
- Student Driver Training – Teen drivers should enroll and complete driver’s education if it’s offered in school.
- ABS Brakes – Vehicles with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
- Payment Discounts – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
- Distant College Student Discount – Youth drivers living away from Denver attending college and won’t have access to an insured vehicle may be able to be covered for less.
- Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts when compared with bad drivers.
You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will definitely reduce your policy cost.
A few of the larger companies and some of the discounts are included below.
- Progressive may include discounts for multi-vehicle, good student, online quote discount, multi-policy, online signing, and continuous coverage.
- Farmers Insurance discounts include business and professional, youthful driver, alternative fuel, distant student, and early shopping.
- Farm Bureau offers discounts including safe driver, multi-vehicle, driver training, multi-policy, renewal discount, and 55 and retired.
- State Farm offers premium reductions for safe vehicle, accident-free, driver’s education, Steer Clear safe driver discount, and good student.
- GEICO has discounts for membership and employees, anti-theft, daytime running lights, seat belt use, and multi-policy.
- SAFECO may have discounts that include anti-lock brakes, teen safe driver, bundle discounts, anti-theft, homeowner, and safe driver.
- Liberty Mutual offers discounts for preferred payment discount, exclusive group savings, safety features, new move discount, good student, teen driver discount, and new vehicle discount.
When comparing rates, check with each company or agent which discounts you may be entitled to. Some credits may not be offered in your state. If you would like to see a list of auto insurance companies that offer discounts in Colorado, follow this link.
To find the best auto insurance quotes, there are several ways of comparing rates from all the different companies. The recommended way to find competitive Subaru WRX insurance rates is to jump online and get quotes. Just keep in mind that comparing more prices helps you find better pricing.
The companies in the list below are our best choices to provide free quotes in Denver, CO. If the list has multiple companies, we recommend you get prices from several of them in order to find the most affordable rates.
Local Denver car insurance agents
Many people would rather get advice from a local agent and that is recommended in a lot of cases The best thing about getting online price quotes is you may find the best rates and still have a local agent.
After completing this quick form, the quote information is submitted to local insurance agents in Denver who will give you quotes for your car insurance coverage. You never need to search for any insurance agencies because quoted prices will be sent straight to your inbox. You’ll get the best rates and a licensed agent to work with. If you want to get a price quote for a specific company, you would need to navigate to their website to submit a rate quote request.
Picking the best insurance company needs to be determined by more than just the premium amount. A good agent in Denver will have answers to these questions.
- How much can you save by raising your physical damage deductibles?
- Does the agency have a current Errors and Omissions policy?
- How often do they review policy coverages?
- If you have an accident, will your rates go up?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the agent properly licensed in Colorado?
- What is their Better Business Bureau rating?
- Will the agent help in case of a claim?
Pick the best car insurance agent in Denver for you
If you are searching for a reliable insurance agent, you must know there are a couple types of insurance agents and how they can quote your rates. Car insurance agents can be described as either exclusive or independent.
Exclusive Insurance Agents
Agents in the exclusive channel can usually just insure with one company and some examples include American Family, State Farm, and AAA. These agents are not able to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training on the products they sell and that enables them to sell even at higher rates. Consumers frequently use the same exclusive agent partially due to high brand loyalty and the convenience of having all coverages with one company.
Below are exclusive insurance agencies in Denver that can give you price quote information.
- Farmers Insurance – Mike Schmisek
1100 S Shoshone St – Denver, CO 80223 – (303) 922-1001 – View Map - Don Middleton – State Farm Insurance Agent
1900 Wazee St #1538 – Denver, CO 80202 – (303) 595-5500 – View Map - American Family Insurance – Abbie Davis Tanner Agency Inc
2855 Speer Blvd Suite D – Denver, CO 80211 – (303) 333-0205 – View Map
Independent Car Insurance Agencies
Agents in the independent channel are not required to write business for one company so they can quote policies with any number of different companies enabling the ability to shop coverage around. If prices rise, the business is moved internally and the insured can keep the same agent.
When comparing rates, we recommend you contact several independent insurance agents so that you can do a thorough price comparison. Many write coverage with smaller mutual companies that may provide cheaper car insurance rates.
Listed below is a list of independent insurance agents in Denver willing to provide rate quotes.
- All Insurance Agency
67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map - Gonzalez Insurance Agency
6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map - Premier Group Insurance
1777 W 38th Ave #102 – Denver, CO 80211 – (303) 477-0505 – View Map
Car insurance coverages and their meanings
Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Collision coverage
This pays for damage to your WRX resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like scraping a guard rail, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your WRX to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a bird, theft, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Liability
This can cover damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/15 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $15,000 paid for damaged property.
Liability can pay for claims like attorney fees, structural damage, bail bonds and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible. Colorado state minimum liability requirements are 25/50/15 but drivers should carry more coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (which is 25/50/15), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as prosthetic devices, doctor visits, nursing services and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible
A little work can save a LOT of money
We just showed you a lot of information how to compare Subaru WRX insurance prices in Denver. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Subaru WRX insurance quotes. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.
Lower-priced auto insurance in Denver can be purchased both online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some companies don’t offer price quotes online and many times these regional insurance providers work with independent agents.
Drivers switch companies for many reasons like delays in responding to claim requests, policy non-renewal, lack of trust in their agent or high prices. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.
More tips and info about auto insurance is available by following these links:
- Choosing a Car for Your Teen (State Farm)
- Who Has Cheap Auto Insurance Quotes for a Nissan Sentra in Denver? (FAQ)
- How Much are Car Insurance Quotes for a Kia Optima in Denver? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Police Officers in Denver? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Grand Cherokee in Denver? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Denver? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Denver? (FAQ)
- How Much are Auto Insurance Quotes for Felons in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance for a Honda Civic? (FAQ)
- Older Drivers FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- Anti-Lock Brake FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)