Are you drained from robbing Peter to pay Paul to buy insurance? You are in the same boat as many other consumers in Colorado.
It’s amazing but a large majority of drivers kept their policy with the same company for over three years, and almost 40% of drivers have never taken the time to shop around. Consumers in Denver can save hundreds of dollars each year just by comparing rates, but they don’t understand how simple it is to compare rates and save money. Big-name insurance companies like GEICO and Progressive all promote huge savings with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.
You need to get comparison quotes occasionally since rates change regularly. Just because you found the lowest premium rates on Acura RL insurance in Denver a few years ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance because I’m going to teach you the best way to save on insurance.
If you have a current car insurance policy or are shopping for new coverage, follow these tips to find the best rates and still get good coverage. Finding the cheapest car insurance coverage in Denver is easy if you know what you’re doing. You just need to learn the most efficient way to shop for car insurance from many different companies.
Auto insurance discounts help lower rates for Acura RL insurance in Denver
Insurance can cost an arm and a leg, but you might be missing out on some discounts that many consumers don’t even know exist. A few discounts will be applied at the time you complete a quote, but some may not be applied and must be inquired about prior to getting the savings.
- Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
- No Charge for an Accident – This one is not really a discount per se, but some companies like Liberty Mutual and GEICO will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
- No Claims – Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life policy as well.
- Denver Homeowners Discount – Being a homeowner can earn you a little savings because owning a home demonstrates responsibility.
- Membership in Organizations – Being in certain professional organizations could qualify you for a break on your policy.
- Save over 55 – Drivers that qualify as senior citizens may receive better auto insurance rates.
- Employee of Federal Government – Active or retired federal employment may qualify for a discount when you quote Denver car insurance but check with your company.
- Passenger Safety Discount – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
- Multiple Policy Discount – When you combine your homeowners and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
Consumers should know that most of the big mark downs will not be given to the whole policy. Most cut individual premiums such as collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
Larger auto insurance companies and a selection of discounts include:
- State Farm may include discounts for accident-free, safe vehicle, multiple policy, multiple autos, and student away at school.
- GEICO has discounts for multi-vehicle, defensive driver, driver training, five-year accident-free, seat belt use, good student, and military active duty.
- Progressive offers premium reductions for continuous coverage, online signing, multi-vehicle, online quote discount, good student, homeowner, and multi-policy.
- 21st Century policyholders can earn discounts including student driver, defensive driver, theft prevention, air bags, and homeowners.
- American Family may offer discounts for early bird, accident-free, good driver, TimeAway discount, and air bags.
- The Hartford includes discounts for driver training, anti-theft, good student, defensive driver, vehicle fuel type, and air bag.
- AAA offers discounts for pay-in-full, multi-policy, multi-car, education and occupation, and AAA membership discount.
Before you buy a policy, ask every prospective company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in every state.
Free Denver Acura RL insurance quotes
All major auto insurance companies like State Farm, GEICO and Progressive allow you to get price estimates directly from their websites. Comparing prices online for Acura RL insurance in Denver can be done by anyone as you just enter your required coverages as requested by the quote form. After you complete the form, their system pulls reports for credit and driving violations and generates pricing information based on these factors. This makes it easy to compare insurance prices and it’s absolutely necessary to compare as many rates as possible if you are searching for a better rate.
To find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you will have a fair comparison for the exact same coverage.
The following companies offer quotes in Colorado. If multiple providers are shown, we recommend you get prices from several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $376 | $702 | $352 | $20 | $106 | $1,556 | $130 |
| RL 3.7 with Tech Package | $264 | $584 | $396 | $24 | $118 | $1,386 | $116 |
| RL 3.7 with Tech/CMBS Package | $264 | $554 | $396 | $24 | $118 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in your specific Denver location which can change premium rates substantially.
Physical damage deductibles
One of the most common car insurance questions is at what level do you set your deductibles. The figures shown below can help you understand how much more you’ll pay between high and low deductibles. The first pricing table uses a $250 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $376 | $702 | $352 | $20 | $106 | $1,581 | $132 |
| RL 3.7 with Tech Package | $376 | $702 | $352 | $20 | $106 | $1,581 | $132 |
| RL 3.7 with Tech/CMBS Package | $376 | $702 | $352 | $20 | $106 | $1,581 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RL 3.7 | $232 | $442 | $352 | $20 | $106 | $1,152 | $96 |
| RL 3.7 with Tech Package | $232 | $442 | $352 | $20 | $106 | $1,152 | $96 |
| RL 3.7 with Tech/CMBS Package | $232 | $442 | $352 | $20 | $106 | $1,152 | $96 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in specific garaging location which can revise insurance rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $36 more each month or $432 a year than requesting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 21 months between claims, you would probably save some money if you choose the higher deductible.
Insurance is available from local insurance agents
Some consumers still like to sit down with an agent and that can be a smart move Professional insurance agents can make sure you are properly covered and help you file claims. One of the great benefits of price shopping on the web is you can get the lowest rates and still have an agent to talk to. And buying from local agencies is definitely important in Denver.
After completing this form (opens in new window), your information is instantly submitted to participating agents in Denver that can provide free Denver car insurance quotes to get your business. You won’t need to even leave your home because prices are sent directly to you. If you want to get a comparison quote from a particular provider, feel free to visit that company’s website and submit a quote form there.
Pick the best car insurance agent in Denver for you
If you need to find a local Denver insurance agency, it’s helpful to know the types of insurance agents and how they can service your needs differently. Insurance policy providers may be either exclusive or independent agents depending on their company appointments. Both types can insure your vehicles properly, but it is important to understand the difference in how they write coverage because it can influence your agent selection.
Independent Insurance Agencies
Agents in the independent channel are not employed by one company so they have the ability to put coverage with lots of companies and get you the best rates possible. If your premiums go up, they simply switch companies in-house and you don’t have to do anything.
If you are trying to find cheaper rates, we highly recommend that you get some free quotes from at a minimum one independent agency in order to compare the most rates.
The following is a short list of independent insurance agents in Denver that can give you free insurance rate quotes.
Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map
Longevity Insurance Brokers
100 Fillmore St – Denver, CO 80206 – (720) 209-4598 – View Map
Premier Group Insurance
1777 W 38th Ave #102 – Denver, CO 80211 – (303) 477-0505 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only write with one company such as State Farm, AAA, and Liberty Mutual. These agents are unable to provide other company’s prices so they really need to provide good service. Exclusive agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.
Listed below are exclusive insurance agencies in Denver willing to provide price quotes.
Farmers Insurance – Angel Le
1145 S Federal Blvd – Denver, CO 80219 – (303) 975-8911 – View Map
Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 – View Map
State Farm: Charles Insurance Agency
1165 S Broadway #114 – Denver, CO 80210 – (303) 777-7161 – View Map
Picking the best car insurance agent should depend on more than just a low price. Below are some questions you should ask.
- Does the company use OEM repair parts?
- Which companies can they place coverage with?
- What kind of financial rating does the company have?
- If you are a high risk driver, do they have special markets for your coverage?
- Can glass repairs be made at your home?
- If your car is in the repair shop, do you have coverage for a rental car?
Auto insurance savings summarized
When trying to cut insurance costs, never buy poor coverage just to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your goal is to buy enough coverage for the lowest price while still protecting your assets.
Budget-friendly auto insurance in Denver is definitely available online as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some auto insurance companies do not provide price quotes online and usually these small, regional companies sell through independent agents.
For more information, link through to the resources below:
- Auto Insurance 101 (About.com)
- Who Has Affordable Denver Car Insurance with Multiple Speeding Tickets? (FAQ)
- What Auto Insurance is Cheapest for Drivers with Accidents in Denver? (FAQ)
- Who Has Cheap Auto Insurance Rates for 16 Year Olds in Denver? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota RAV4 in Denver? (FAQ)
- Who Has Cheap Car Insurance for High Risk Drivers in Denver? (FAQ)
- How Much is Denver Auto Insurance for Government Employees? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Bodily Injury Coverage (Liberty Mutual)