Best Quotes for Toyota Prius Insurance in Denver

How many times have you put off comparing quotes for more competitive Toyota Prius insurance in Denver? Trying to find low-cost insurance for your Toyota Prius in Colorado can turn out to be an all-consuming task, but you can follow our car insurance buying tips to make it easier. There is a right way and a wrong way to shop for car insurance and you need to know the proper way to compare rates for your Toyota and find the lowest possible price.

Unimaginable but true, most Colorado car insurance customers have remained with the same car insurance company for four years or more, and 38% of customers have never compared rates with other companies. U.S. insurance shoppers could save almost $859 a year, but they just don’t understand how easy it is to find cheaper rates by getting comparison quotes.

It’s a great practice to shop coverage around once or twice a year due to the fact that insurance prices change frequently. Even if you got the best price on Toyota Prius insurance in Denver two years ago you may be paying too much now. You’ll find a ton of advice on Prius insurance on the web, but in a few minutes you can learn the easiest ways to lower your car insurance premiums.

The companies shown below can provide price quotes in Colorado. If multiple companies are listed, we recommend you visit as many as you can to find the most affordable auto insurance rates.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in specific location information which can change premium rates greatly.

Policy deductibles

A question often asked by Denver drivers is which comprehensive and collision deductibles to buy. The comparisons below summarize the difference in cost when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can alter price quotes greatly.

We can estimate from the data above that using a $250 deductible costs about $26 more each month or $312 every year than choosing the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 29 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Compare rates but buy from a local Denver insurance agency

A small number of people would prefer to get professional advice from a licensed agent and doing so can bring peace of mind Experienced insurance agents are trained to spot inefficiencies and help you file claims. A good thing about comparing rates online is the fact that you can find the lowest rates but still work with a licensed agent.

For easy comparison, once you complete this simple form, your information is sent to local insurance agents who want to provide quotes for your insurance coverage. There is no need to contact an agency as quotes are delivered straight to your inbox. If you want to get a price quote from a specific company, don’t hesitate to visit that company’s website and complete a quote there.

Deciding on an insurance company is decision based upon more than just a low price. Before buying a policy in Denver, get answers to these questions.

• Are they involved in claim handling?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Is the quote a firm price?
• Do they have 24-hour customer assistance?
• Do they make recommendations based only on price?
• Is the agency active in community causes in Denver?
• Are there any extra charges for paying monthly?

If you need to find a local agent, it can be helpful to understand the types of agencies and how they differ in how they quote coverages. Agents in Denver are considered either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it’s worth learning why they differ because it can factor into the kind of agent you use.

Exclusive Agencies

These agents have only one company to place business with such as Allstate, Farmers Insurance or State Farm. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. These agents receive a lot of sales training in insurance sales and that enables them to sell even at higher rates. Many people choose to use a exclusive agent mainly due to the brand legacy and the convenience of having a single billing for all their coverages.

Shown below are Denver exclusive insurance agents that are able to give comparison quotes.

• Allstate Insurance: K.D. Sakraida
  1932 W 33rd Ave – Denver, CO 80211 – (303) 433-2094 – View Map
• Farmers Insurance – James Lundin
  1490 N Lafayette St #302b – Denver, CO 80218 – (303) 433-4542 – View Map
• Bao Ngoc Nguyen – State Farm Insurance Agent
  1699 S Federal Blvd b – Denver, CO 80219 – (303) 975-1100 – View Map

More Denver agents

Independent Insurance Agents

Independent insurance agents do not sell for just one brand so they have the ability to put coverage with a variety of different insurance companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you stay with the same agent. When comparison shopping, we recommend you check rates from independent agents to get the best comparison. Most can insure with different regional companies which may have better rates.

Below is a short list of independent agents in Denver that are able to give price quote information.

• American Home Insurance Agency
  7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map
• Insurance Town and Country
  1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map
• Dagley Insurance and Financial Services Inc
  2055 S Federal Blvd – Denver, CO 80219 – (303) 975-1229 – View Map

More Denver agents

After you get answers to your satisfaction to your questions and a low price estimate, it’s a good possibility that you have found an insurance agent that can be trusted to provide insurance coverage. But remember, once you purchase a policy you can terminate coverage whenever you want so never feel that you are permanently stuck with a specific company for the full policy term.