No sane person rejoices having to buy car insurance, in particular when they could find lower prices if they just compared rates.
A study showed that almost 70% of insureds have stayed with the same insurance company for over three years, and 38% of drivers have never taken the time to shop around. Most drivers in Colorado can cut their rates by roughly $610 a year by just shopping around, but they just don’t understand the amount of savings they would get if they switched to a more affordable policy. Due to the large number of online and local companies to choose from, it can be hard to find the most affordable car insurance provider.
It’s a good idea to compare prices once or twice a year because insurance prices change regularly. Even if you got the best deal on Volkswagen Atlas insurance in Denver last year you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you’re going to learn the only way to save money, get proper coverage and the best rates.
These techniques will tell you how to get online quotes and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to get lower rates using the ideas presented in this article. Comparison shoppers just need to know the least time-consuming way to get comparison quotes from many different companies.
Take these six policy discounts and save on Volkswagen Atlas insurance in Denver
Insuring your vehicles can cost a lot, but you might already qualify for some discounts that you may not know about. Certain reductions will be credited when you quote, but once in a while a discount must be specifically requested before you get the savings.
- Clubs and Organizations – Being in qualifying clubs or civic groups is a simple method to lower premiums when getting a Denver auto insurance quote.
- Mature Driver Discount – Seniors can possibly qualify for a small decrease in premiums.
- Military Deployment Discount – Having an actively deployed family member could be rewarded with lower premium rates.
- Telematics Data Discounts – Insureds that choose to allow their insurance company to spy on vehicle usage by installing a telematics device such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
- Accident Waiver – This isn’t a discount exactly, but certain companies permit an accident before they charge you more for coverage with the catch being you have to be claim-free for a specific time period.
- E-sign – A few insurance companies will provide an incentive for buying your policy digitally online.
As a footnote on discounts, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, it’s just not the way it works.
The best insurance companies and a selection of discounts are shown below.
- Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, homeowner, and continuous coverage.
- MetLife has discounts for good student, multi-policy, claim-free, accident-free, good driver, defensive driver
- Mercury Insurance offers discounts including age of vehicle, anti-theft, professional/association, multi-policy, and ease of repair.
- Nationwide has savings for anti-theft, good student, easy pay, accident-free, multi-policy, and family plan.
- GEICO offers discounts for emergency military deployment, multi-vehicle, seat belt use, multi-policy, military active duty, good student, and daytime running lights.
- AAA may have discounts that include good driver, multi-policy, good student, multi-car, anti-theft, and education and occupation.
It’s a good idea to ask each insurance company to give you their best rates. All car insurance discounts may not apply in Denver.
The providers in the list below are ready to provide free quotes in Colorado. If multiple providers are shown, it’s highly recommended you click on several of them to get the best price comparison.
You are unique and your car insurance should be too
Always remember that when buying proper insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.
These are some specific questions can help discover whether or not you might need professional guidance.
- Which companies will insure high-risk drivers?
- Why am I required to buy high-risk coverage?
- Where can I get insurance after a DUI in Colorado?
- Is extra glass coverage worth it?
- Is my state a no-fault state?
- What does PIP insurance cover?
- What does roadside assistance cover?
- Does coverage extend to my business vehicle?
- Is pet coverage available?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.
Exclusive versus independent insurance agents
Many people prefer to get advice from a local agent and that is a personal choice. Professional insurance agents can help you choose the best coverages and help in the event of a claim. One of the great benefits of comparing rates online is that you can obtain cheap auto insurance rates and also buy local. And buying from local agencies is definitely important in Denver.
After filling out this form (opens in new window), the quote information is instantly submitted to insurance agents in Denver that provide free Denver auto insurance quotes to get your business. You won’t need to drive around since price quotes are sent directly to you. If you have a need to compare rates for a specific company, you would need to search and find their rate quote page and fill out the quote form the provide.
If you need to find a local insurance agency, you should know the different types of agencies and how they are slightly different. Auto insurance agents are either independent (non-exclusive) or exclusive. Both can properly insure your vehicles, but we need to point out the subtle differences because it may have an impact on the kind of agent you use.
Independent Auto Insurance Agencies
Agents that choose to be independent are not required to write business for one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest auto insurance rates. If premiums increase, they simply switch companies in-house and the insured can keep the same agent.
When comparing rate quotes, it’s recommended you include at least one independent agent to get the best comparison.
Listed below are Denver independent agencies who can help you get competitive price quotes.
Exclusive Insurance Agents
These type of agents can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare other company’s rates so always compare other rates. They are trained well in insurance sales and that allows them to sell at a higher price point.
Shown below is a list of exclusive insurance agencies in Denver that can give you comparison quotes.
Alan Deines – State Farm Insurance Agent
2120 S Ash St Unit 150 – Denver, CO 80222 – (303) 388-4400 – View Map
Finding the right car insurance agent needs to be determined by more than just a low price. Before buying a policy in Denver, get answers to these questions.
- Which family members are covered?
- Will you get a loaner vehicle if you car is being repaired?
- Do you work with a CSR or direct with the agent?
- Are they properly licensed to sell insurance in Colorado?
- Do the companies they represent have a solid financial rating?
- Can they provide you with a list of referrals?
After you get good responses to any questions you have as well as an affordable premium quote, chances are good that you have found an insurance agency that can be relied on to adequately provide auto insurance.
Auto insurance in Colorado serves several purposes
Despite the high insurance cost for a Volkswagen Atlas in Denver, insuring your vehicle is not optional due to several reasons.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection 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.
Second, if you have a loan on your Atlas, it’s guaranteed your bank will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Volkswagen at a much higher premium rate and force you to reimburse them the higher premium.
Third, auto insurance protects both your assets and your Volkswagen. It also can pay for medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $750 every year so compare rate quotes each time the policy renews to save money.
Specific coverage details
Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like pain medications, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability insurance – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/15 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $15,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things like emergency aid, attorney fees, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying better liability coverage.
Collision – This coverage covers damage to your Atlas resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as rolling your car, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible on your Atlas to get cheaper collision coverage.
Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as hitting a bird, falling objects and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen Atlas.
Due to the fact that many Colorado 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 should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.
Cheaper insurance is a realistic goal
Cheaper insurance in Denver is possible on the web and with local Denver insurance agents, so you need to shop Denver auto insurance with both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these smaller companies only sell through independent insurance agents.
In this article, we presented many tips how you can compare Volkswagen Atlas insurance prices in Denver. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the biggest savings come from an unexpected company.
People switch companies for many reasons like being labeled a high risk driver, policy non-renewal, high prices or even unfair underwriting practices. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.
For more information, take a look at the following helpful articles:
- Auto Insurance Basics (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for Infrequent Drivers in Denver? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Good Credit in Denver? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)
- Insurance losses by make and model (Insurance Institute for Highway Safety)