How many times have you put off comparing quotes for cheaper auto insurance rates in Commerce City, CO? Trying to find the cheapest insurance for a car in Colorado can be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates.

There is a right way and a wrong way to buy auto insurance and you need to know the best way to price shop coverage for your and obtain the cheapest rates.

Consumers need to compare premium rates once or twice a year because prices change frequently. Despite the fact that you may have had the lowest rates on auto insurance at your last renewal other companies may now be cheaper. Forget all the misinformation about auto insurance because you're going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

The auto insurance companies shown below are our best choices to provide free quotes in Colorado. If multiple providers are shown, it's highly recommended you compare several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Commerce City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $964 $482 $80
Dodge Ram Crew Cab Sport 4WD $1,206 $603 $101
Ford Escape XLT 4WD $954 $477 $80
Ford F-150 XLT Super Cab 4WD $1,132 $566 $94
Ford Focus SES 4-Dr Sedan $1,296 $648 $108
GMC Sierra SLE Crew Cab 2WD $1,064 $532 $89
Honda Accord LX-S 2-Dr Coupe $1,370 $685 $114
Honda CR-V LX 4WD $902 $451 $75
Honda Civic Hybrid 4-Dr Sedan $1,154 $577 $96
Honda Odyssey EX-L W/Rear Entertainment $876 $438 $73
Hyundai Elantra GLS 4-Dr Sedan $976 $488 $81
Mazda 3 I Touring 4-Dr Sedan $978 $489 $82
Nissan Altima 3.5 SR 2-Dr Coupe $1,676 $838 $140
Toyota Camry Hybrid $1,222 $611 $102
Toyota Corolla LE $1,474 $737 $123
Toyota Prius $1,318 $659 $110
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in your specific Commerce City location which can modify premium rates significantly.

Annual premiums comparing men and women

The example below shows the difference between auto insurance costs for male and female drivers in Commerce City. The costs are based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are not married, and no other discounts are factored in on a Nissan Altima Hybrid.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Commerce City insurance discounts

Insurance can be prohibitively expensive, but there could be significant discounts to cut the cost considerably. Many of these discounts will be applied automatically when you get a quote, but a few need to be inquired about before they will apply.Discount insurance

Just know that most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn't stay in business. Any qualifying discounts will help reduce the amount you pay for coverage.

A few of the larger companies and a selection of discounts are included below.

Before buying, ask each company or agent which discounts you qualify for. A few discounts may not apply to policyholders everywhere. To locate insurers with the best insurance discounts in Colorado, click here to view.

Why auto insurance is not optional

Even though rates can get expensive, maintaining insurance is required by state law in Colorado and it also provides benefits you may not be aware of.

The benefits of insuring your vehicle greatly outweigh the cost, especially if you ever need it. The average driver in Colorado overpays more than $865 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Tailor your auto insurance coverage to you

Always remember that when buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.Safe vehicles cost less to insure

For instance, these questions may help highlight if your insurance needs would benefit from an agent's advice.

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and may give you better protection.