Trying to find more affordable car insurance rates in Evans, CO? Locating low-cost insurance for a car in Colorado can be difficult, but you can use the following methods to find lower rates. There is a better way to buy car insurance so you're going to learn the best way to compare rates on a and get the lowest possible price from Evans insurance agents and online providers.

If you have a policy now or just want to save money, you can use these techniques to shop for the lowest rates without reducing coverage. Finding and buying the best-priced protection in Evans is easy to do. Smart shoppers just have to learn the least time-consuming way to shop their coverage around online.

These discounts can slash insurance rates

Insuring your fleet can be pricey, but there may be some discounts that many consumers don't even know exist. Some discounts apply automatically when you quote, but some must be requested specifically prior to getting the savings.Cheaper insurance with discounts

As a sidenote, many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, that's just not realistic.

Companies that may offer these money-saving discounts are:

Before you buy a policy, ask every company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies everywhere.

Finding a lower price on insurance doesn't have to be difficult. Just take a few minutes to get quotes from online providers.

The companies in the list below are our best choices to provide quotes in Evans, CO. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Evans
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,312 $656 $109
Chevrolet Malibu LT $1,132 $566 $94
Chevrolet Silverado LTZ Crew Cab 2WD $1,038 $519 $87
Dodge Ram Crew Cab Sport 4WD $1,242 $621 $104
Ford Edge Sport AWD $1,296 $648 $108
Ford Escape XLS 2WD $702 $351 $59
Ford F-150 XL Regular Cab 2WD $812 $406 $68
Ford Focus SEL 4-Dr Sedan $1,130 $565 $94
Ford Fusion Sport 4-Dr Sedan $1,008 $504 $84
Honda Accord LX-P 4-Dr Sedan $788 $394 $66
Honda CR-V LX 2WD $1,180 $590 $98
Honda Civic SI 2-Dr Coupe $1,290 $645 $108
Nissan Altima 2.5 4-Dr Sedan $1,036 $518 $86
Toyota Camry XLE $1,312 $656 $109
Toyota Corolla S $1,300 $650 $108
Toyota RAV4 4WD $832 $416 $69
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in zip code location which can modify rates greatly.

How violations and accidents impact rates

The example below illustrates how speeding tickets and at-fault collisions can influence Ford Escape insurance costs for each age group. The costs are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Difference between full coverage and liability only rates

The example below illustrates the comparison of Chevrolet Tahoe yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims, a clean driving record, $500 deductibles, married female driver, and no discounts are factored in.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying full coverage

There is no clear-cut rule of when to eliminate comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Chevrolet Tahoe replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $8,000 after paying the physical damage deductible. If you are paying over $800 a year for full coverage, then it might be time to buy liability only.

There are some cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

You may need specialized car insurance coverage

When quoting and comparing insurance from an agent or online, there really is no one-size-fits-all type of policy. Every situation is different.Higher deductibles save money

Here are some questions about coverages that might point out if your insurance needs could use an agent's help.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.

Compare rate quotes but still have a local Evans insurance agent

Some consumers prefer to buy from a licensed agent and that is OK! Good agents can help you choose the best coverages and help file insurance claims. One of the benefits of comparing rate quotes online is that drivers can save money and get cheaper car insurance rates but also keep your business local.

Evans insurance agentsAfter filling out this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Evans who will give competitive quotes for your business. There is no need to do any legwork as quotes are delivered straight to your inbox. If you want to compare prices from a specific company, you just need to go to their quote page and fill out their quote form.

Picking an insurer is decision based upon more than just the quoted price. Here are some questions you might want to ask.

If you're trying to find a local Evans insurance agency, you must know there are a couple different types of agencies and how they are distinctly different. Agents can be described as either independent or exclusive depending on the company they work for. Both write policy coverage, but it's important to point out how they are different because it may have an impact on the type of agent you choose.

Exclusive Insurance Agents

Agents that choose to be exclusive can only quote rates from one company like AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to shop your coverage around so always compare other rates. Exclusive insurance agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently use the same exclusive agent mainly due to the prominent brand name rather than having low rates.

Independent Auto Insurance Agents

Independent insurance agents are not required to write business for one company and that allows them to write policies with any number of different companies and find the cheapest rate. To move your coverage to a new company, they simply move your policy to a different company and you can keep the same agent.

If you are trying to find cheaper rates, we recommend you get several quotes from a few independent agents in order to compare the most rates. Most also write with small regional insurance companies who may have lower rates.

Car insurance claim information

What vehicles have the most claims? The next tables show the best and worst vehicle models for the overall chance of having large claims orgainized by coverage.

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
GMC Canyon Ferrari 458
Jeep Wrangler BMW 6 Series
Nissan Xterra Bentley Continental Flying Spur
Ford F-150 SuperCrew Audi RS7
Smart ForTwo Bently Continental GTC
Mini Cooper Bently Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Kia Rio
Subaru Outback Chevrolet Sonic
Audi A6 Chevrolet Impala
Chevrolet Corvette Chrysler 200
Subaru Forester Mitsubishi Mirage
Volvo XC60 Chevrolet Cruze

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Dodge Charger
Chevrolet Silverado 3500 Nissan Sentra
Audi A4 Allroad Mitsubishi Lancer
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 2500 Chevrolet Sonic
Tesla Model S Hyundai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Leaf BMW M6
GMC Sierra 2500 Bentley Continental GT
Chevy Silverado 2500 Audi S7
Smart ForTwo Maserati Granturismo
Chevy Spark Mercedes-Benz S Class
Nissan Xterra BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Smart consumers save more

Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies provide coverage only through independent insurance agents. Cheaper auto insurance in Evans can be found both online and from local agencies, and you should compare rates from both to get a complete price analysis.

We just presented a lot of ways to reduce auto insurance rates online in Evans. It's most important to understand that the more quotes you get, the higher the chance of saving money. You may even discover the best price on auto insurance is with a company that doesn't do a lot of advertising.

Consumers leave their current company for many reasons like poor customer service, unfair underwriting practices, an unsatisfactory settlement offer or even extreme rates for teen drivers. Whatever your reason, finding a great new company is not as hard as you think.

To learn more, feel free to browse the articles below: