How to Get Lower Car Insurance Rates in Littleton

Would you like to stop wasting money and find lower-priced car insurance rates in Littleton, CO? If you’ve never shopped for Littleton car insurance quotes online, it’s easy to get bewildered due to the large selection of online car insurance companies and websites competing for business in Littleton.

Astonishng but true according to a recent study, most car insurance buyers have remained with the same car insurance company for four years or more, and almost 40% of drivers have never quoted car insurance rates at all. Many drivers in Colorado could cut their rates by $600 a year by just shopping around, but they assume it’s a waste of time to compare other rate quotes.

It’s a good idea to price shop coverage quite often because car insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on car insurance at your last renewal you can probably find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you one of the easiest ways to reduce your cost while increasing coverage.

If you currently have car insurance, you will definitely be able to lower your rates using the ideas presented in this article. Comparing rates for the lowest-priced coverage in Littleton is not as hard as you think. Although Colorado consumers must comprehend how the larger insurance companies calculate your policy premium and use this information to your advantage.

What impacts Littleton auto insurance rates?

Lots of factors are part of the equation when quoting car insurance. Most are fairly basic like an MVR report, but some are not quite as obvious like your continuous coverage or your financial responsibility. One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that aid in calculating your premiums. If you know what controls the rates you pay, this enables you to make decisions that may result in lower car insurance prices.

Where you live is a factor – Having an address in less populated areas is a positive aspect when talking about car insurance. Less people means less chance of accidents and a lower car theft rate. City drivers tend to have more traffic problems and longer commute times. Higher commute times means a statistically higher chance of an accident.

With age comes lower rates – Young drivers in Colorado tend to be more careless when at the wheel of a vehicle so they pay higher car insurance rates. Adding a teenage driver onto a policy can really hurt. Older insureds are viewed as being more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets.

Get a ticket, pay higher prices – Being a careful driver has a lot to do with how much you pay for insurance. Just one chargeable violation can increase the cost of insurance by as much as thirty percent. Careful drivers get better rates than bad drivers. Drivers who have gotten license-revoking violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to prevent their license from being revoked.

Battle of the sexes – Statistics show females are less aggressive when driving. That doesn’t necessarily mean that women are better drivers. Females and males tend to get into at-fault accidents at a similar rate, but men tend to have more serious accidents. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.

Don’t abuse claims – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies in Colorado award lower rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of larger claims.

Never let your policy expire – Going without insurance is a guaranteed way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance may earn you fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Colorado motor vehicle department to get your license reinstated.

Lower rates for married couples – Having a wife or husband can actually save you money when shopping for car insurance. Having a significant other demonstrates that you tend to be more mature and insurance companies like that married couples file fewer claims.

Most larger insurance companies provide prices for coverage direct online. Doing online price comparisons is fairly straightforward as you just type in the amount of coverage you want into the form. Once you submit the form, the system automatically retrieves reports for credit and driving violations and returns pricing information based on these and other factors.

This makes it easy to compare insurance prices and it’s absolutely necessary to get many rate quotes if you want to get a lower rate.

To save time and find out how much you can save on auto insurance, compare rates from the companies below. If you have a policy now, it’s recommended you duplicate coverages and limits identical to your current policy. Doing this assures you are getting comparison quotes for similar coverage.

The companies in the list below provide free rate quotes in Littleton, CO. If multiple companies are shown, we suggest you visit several of them to get a more complete price comparison.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can affect prices noticeably.

Choosing deductibles

The information below shows how different deductible levels and can impact Honda Pilot premium costs for different age groups. The prices are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Car insurance is not optional

Despite the potentially high cost of car insurance, car insurance is most likely required but also gives you several important benefits.

• Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to drive the car. 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.
• If you bought your vehicle with a loan, more than likely the lender will require that you buy insurance to guarantee loan repayment. If you default on your policy, the lender may insure your vehicle at a much higher premium rate and require you to reimburse them for the expensive policy.
• Car insurance protects not only your car but also your assets. It also can pay for medical bills incurred in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your vehicle as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of having car insurance definitely exceed the price paid, especially with large liability claims. According to a 2015 survey, the average American driver is wasting up to $700 annually so compare rates at every renewal to be sure current rates are still competitive.

Don’t overlook these insurance discounts

Auto insurance companies do not list every discount available very well, so the following is a list of some of the best known as well as the least known credits that you can use to lower your rates.

• Homeowners Savings – Owning a home in Littleton can get you a discount because of the fact that having a home is proof of financial responsibility.
• Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your Littleton car insurance quote.
• Cautious Driver Discount – Accident-free drivers could pay up to 40% less than drivers with accidents.
• Defensive Driver Discounts – Taking a course teaching defensive driver skills can save you 5% or more depending on where you live.
• Accident Forgiveness – Not a discount per se, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a specific time period.
• Auto/Home Discount – If you insure your home and vehicles with one insurance company you may save as much as 10 to 15 percent.
• Good Student – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.

One thing to note about discounts is that many deductions do not apply to the whole policy. Some only apply to individual premiums such as comp or med pay. Despite the appearance that you can get free auto insurance, you’re out of luck. But all discounts will definitely reduce the amount you have to pay.

To see providers that can offer you the previously mentioned discounts in Colorado, follow this link.

Compare prices but buy from a neighborhood Littleton auto insurance agent

A small number of people still prefer to buy from a local agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is you may find cheaper rates but still work with a licensed agent. Supporting local agencies is definitely important in Littleton.

By using this short form, your coverage information is instantly submitted to companies in Littleton who can give free rate quotes and help you find cheaper coverage. You never need to leave your computer as quotes are delivered to the email address you provide. You can find the lowest rates AND a local agent. If for some reason you want to quote rates for a specific company, don’t hesitate to visit that company’s website and fill out their quote form.

The different types of car insurance agents

If you prefer to buy car insurance from a local agent, you need to know there are two different types of agencies and how they are slightly different. Littleton agents are considered either exclusive or independent agents depending on their company appointments.

Independent Agents

Agents that choose to be independent are appointed with more than one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they can switch companies in-house and you stay with the same agent.

When comparing car insurance rates, you will definitely want to get some free quotes from independent agents for maximum quote selection. Most can insure with smaller mutual companies that may provide cheaper car insurance rates.

Listed below is a partial list of independent insurance agencies in Littleton who may provide price quotes.

• Mile High Insurance Agency
  Littleton, CO 80127 – Littleton, CO 80127 – (303) 979-0672 – View Map
• All Access Insurance
  9200 W Cross Dr #210 – Littleton, CO 80123 – (303) 932-1700 – View Map
• High Country Truck Insurance Agency, Inc.
  8307 Shaffer Pkwy #102 – Littleton, CO 80127 – (303) 697-6099 – View Map

View more Littleton agents

Exclusive Car Insurance Agents

Agents of this type can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare other company’s rates so they really need to provide good service. They receive a lot of sales training on sales techniques which helps offset the inability to provide other markets. A lot of people buy from the same agent for years mainly due to the prominent brand name and the convenience of having all coverages with one company.

Below is a list of exclusive insurance agents in Littleton that can give you price quote information.

• Allstate Insurance: Susan Eagle
  5601 S Broadway Ste 308 – Littleton, CO 80121 – (720) 283-3833 – View Map
• Allstate Insurance: Jennifer Feld
  7444 W Chatfield Ave Ste C – Littleton, CO 80128 – (303) 979-5362 – View Map
• State Farm: Jeremy Busto
  5433 S Prince St – Littleton, CO 80120 – (303) 798-1466 – View Map

View more Littleton agents

Selecting a insurance agent should include more criteria than just a cheap price quote. A good agent in Littleton will have answers to these questions.

• Where would your vehicle be repaired?
• What is the agency’s Better Business Bureau rating?
• Are aftermarket or OEM parts used to repair vehicles?
• Are they actively involved in the community?
• Which company do they place the most coverage with?

Best and worst vehicle claim statistics

Which makes and models have the fewest claims? The statistics tables below show the worst and best cars and trucks for overall likelihood of having large claims.

Cheaper insurance is a realistic goal

We just covered a lot of techniques to find cheaper coverage online. The key concept to understand is the more companies you get premium rates for, the higher your chance of finding cheap Littleton car insurance quotes. You may even be surprised to find that the lowest car insurance rates are with some of the smallest insurance companies.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In too many instances, an accident victim reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, extreme rates for teen drivers and even high prices. It doesn’t matter what your reason, choosing a new company is actually quite simple.

For more information, link through to the following helpful articles:

• Cellphones, Texting and Driving (iihs.org)
• Who Has Affordable Denver Car Insurance with Multiple Speeding Tickets? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a School Permit in Denver? (FAQ)
• Who Has Cheap Auto Insurance Rates for High Mileage Drivers in Denver? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• How to Avoid Staged Accidents (State Farm)