I can't think of a single person who rejoices having to buy auto insurance, especially knowing they are paying too much.

Insurance for Dodge ViperA recent auto insurance study revealed that the vast majority of drivers have purchased from the same company for more than four years, and almost 40% of drivers have never even shopped around for cheap coverage. Many consumers in Colorado could save 35% each year, but most just don't grasp the rate savings if they switched to a more affordable policy.

Due to the large number of options when it comes to auto insurance, it can be impossible to locate a lower cost auto insurance company.

Cheap car insurance in Colorado Springs, CO

The companies shown below offer free quotes in Colorado Springs, CO. If multiple companies are shown, we suggest you get rates from several of them to find the most affordable car insurance rates.

Dodge Viper Insurance Costs in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $412 $1018 $330 $20 $98 $1,878 $157
Viper SRT/10 2-Dr Roadster $520 $1202 $358 $22 $108 $2,210 $184
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can lower or raise premiums greatly.

Policy deductibles

One frequently asked question is how high should the physical damage coverage deductibles be. The following insurance rates can help show the premium difference when you buy lower versus higher comp and collision deductibles. The first set of prices uses a $250 deductible and the second set of prices uses a $500 deductible.

Dodge Viper insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $480 $1028 $352 $20 $106 $2,011 $168
Viper SRT/10 2-Dr Roadster $480 $1028 $352 $20 $106 $2,011 $168
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Dodge Viper insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Viper SRT/10 2-Dr Coupe $392 $830 $352 $20 $106 $1,700 $142
Viper SRT/10 2-Dr Roadster $392 $830 $352 $20 $106 $1,700 $142
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in vehicle location which can affect prices greatly.

We can derive from the above data that using a $250 deductible costs approximately $26 more each month or $312 a year than choosing the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 10 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Auto insurance discounts are available to cut your rates

Companies that sell car insurance don't necessarily list every disount available very clearly, so the list below details both the well known and the more hidden credits available to bring down your rates.Auto insurance discounts

One thing to note about discounts is that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it's possible to get free car insurance, you aren't that lucky.

Some companies that may offer quotes with most of these discounts include:

When getting a coverage quote, ask every company to apply every possible discount. Some discounts listed above might not apply in Colorado Springs. To locate insurers that offer discounts in Colorado Springs, click here.

Learn How to Get Insurance for Less

Multiple criteria are part of the equation when pricing auto insurance. Some factors are common sense such as your driving record, but other criteria are less obvious like your vehicle usage or your financial responsibility. It's important that you understand a few of the rating criteria that go into determining the level of your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that can help you get much lower annual insurance costs.

Shown below are a few of the "ingredients" companies use to determine your rates.

Insurance agent or online?

Many drivers would rather talk to an insurance agent and doing that can be a smart decision An additional benefit of comparing insurance prices online is that drivers can save money and get cheap auto insurance rates and still have a local agent. Buying from local agencies is important particularly in Colorado Springs.

Colorado Springs insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is sent to insurance agents in Colorado Springs who will gladly provide quotes for your insurance coverage. There is no reason to contact an agency because prices are sent straight to your inbox. You can find the lowest rates and work with a local agent. If you want to compare prices from a specific company, feel free to navigate to their website and complete a quote there.

If you would like to find an insurance agent, you must know there are a couple different types of agencies that you can select. Colorado Springs agents are considered either independent (non-exclusive) or exclusive.

Independent Auto Insurance Agencies or Brokers

Independent agents do not write with just one company so they can insure your vehicles with a variety of different insurance companies and help determine which has the cheapest rates. If they find a lower price, an independent agent can move your coverage which makes it simple for you.

If you need cheaper auto insurance rates, it's a good idea to get insurance quotes from several independent agencies to have the most options to choose from.

The following are independent insurance agencies in Colorado Springs that can give you competitive price quotes.

2105 E Bijou St A - Colorado Springs, CO 80909 - (719) 636-3369 - View Map

4390 Academy Blvd N - Colorado Springs, CO 80918 - (719) 329-4441 - View Map

5155 N Academy, #110 - Colorado Springs, CO 80918 - (719) 622-3079 - View Map

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Exclusive Agents

Exclusive agencies have only one company to place business with and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive insurance agents are usually well trained on sales techniques and that can be a competitive advantage.

The following is a short list of exclusive agents in Colorado Springs willing to provide comparison quotes.

1825 Main St #D - Colorado Springs, CO 80911 - (719) 392-7366 - View Map

1216 Academy Blvd N - Colorado Springs, CO 80909 - (719) 574-0210 - View Map

4549 Austin Bluffs Pkwy - Colorado Springs, CO 80918 - (719) 596-8812 - View Map

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Choosing the best auto insurance agent shouldn't rely on just the quoted price. Any good agent in Colorado Springs should know the answers to these questions.

Once you have satisfactory answers to your questions and locked in a price quote, it's possible that you found a car insurance agent that is reputable and can properly insure your vehicles.

Misconceptions in insurance advertisements

Popular insurance providers such as State Farm and Allstate continually stream television, radio, and online ads. All the companies convey the message that drivers will save a bundle if you move your insurance coverage to their company. How does each company make almost identical claims?

All the different companies have underwriting criteria for the type of driver that will add to their bottom line. For example, this type of insured might be described as a female over age 40, has no driving citations, and drives less than 7,500 miles a year. Someone who fits those characteristics will probably get cheap car insurance rates as well as save a lot on Colorado Springs Dodge Viper insurance if they switch.

Drivers who cannot meet the ideal profile will probably be forced to pay a more expensive rate and ends up with the customer not buying. Company advertisements say "drivers who switch" but not "all drivers who get quotes" can get the lowest rates when switching. This is how insurance companies can confidently make the claims of big savings.

This illustrates why it's extremely important to get Colorado Springs auto insurance quotes from several different companies. Because you never know which insurance company will have better car insurance rates than you're paying now.

Do the work, save more money

When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at an affordable rate.

We just covered many tips how you can save on Dodge Viper insurance in Colorado Springs. The most important thing to understand is the more you quote Colorado Springs auto insurance, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

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