Are you looking for a better way to compare cheaper auto insurance rates in Englewood, CO? Saving money on auto insurance may be slightly frustrating for drivers not familiar with buying insurance online. With so many online companies available, it can be a real difficult job to find better rates on auto insurance.

It's hard to fathom, but almost 70% of drivers kept their coverage with the same auto insurance company for over three years, and nearly the majority have never even compared rates from other companies. With the average premium in Colorado being $1,800, drivers could save themselves roughly $600 a year by just comparing rate quotes, but they assume it's a waste of time to compare rate quotes.

Auto insurance companies offering competitive prices in Colorado

The auto insurance companies shown below are our best choices to provide price quotes in Colorado. If multiple companies are listed, it's a good idea that you visit two to three different companies in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Englewood
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,106 $553 $92
Chevrolet Impala LTZ $1,488 $744 $124
Chevrolet Silverado Crew Cab Hybrid 2WD $1,024 $512 $85
Dodge Grand Caravan Hero $1,106 $553 $92
Dodge Ram Quad Cab SLT 4WD $1,210 $605 $101
Ford Escape XLS 2WD $874 $437 $73
Ford F-150 XLT Crew Cab 4WD $1,058 $529 $88
Ford Focus SEL 4-Dr Sedan $1,280 $640 $107
Honda Accord LX 4-Dr Sedan $1,028 $514 $86
Honda CR-V LX 2WD $938 $469 $78
Honda Civic EX-L 2-Dr Coupe $1,470 $735 $123
Honda Odyssey Touring $1,344 $672 $112
Hyundai Elantra SE Touring Station Wagon $1,136 $568 $95
Kia Optima LX $1,118 $559 $93
Nissan Altima Hybrid 4-Dr Sedan $1,008 $504 $84
Toyota Camry XLE $986 $493 $82
Toyota Corolla S $1,262 $631 $105
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in your specific Englewood location which can decrease or increase price quotes greatly.

Auto insurance premiums based on gender

The illustration below illustrates the comparison of yearly insurance costs for male and female drivers in Englewood. The data is based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration on a Ford Escape XLT.

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

Drive safe and save

The illustration below shows how speeding tickets and accidents can drive up Toyota Camry insurance costs for different age groups. The data is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Higher deductibles lower rates

The example below demonstrates how deductible levels and can change Ford Focus insurance costs for each age group. Data assumes a single male driver, comp and collision included, and no additional discounts are factored in.

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

Auto insurance policy discounts you can't miss

Properly insuring your vehicles can get expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be specially asked for prior to receiving the credit.Save money with discounts

Don't be surprised that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

To find auto insurance companies that provide some of the discounts listed above in Colorado, follow this link.

Auto insurance quotes from neighborhood Englewood auto insurance agents

A small number of people prefer to go talk to an agent and that is a personal choice. One of the great benefits of price shopping on the web is that you can find the lowest rates but still work with a licensed agent. And providing support for local agencies is still important in Englewood.

Find insurance agent in EnglewoodBy using this simple form, your coverage information is transmitted to insurance agents in Englewood who want to provide quotes to get your business. You don't have to leave your house since rate quotes are delivered to you directly. You can find better rates without a big time investment. In the event you want to compare prices from a particular provider, don't hesitate to find their quoting web page to submit a rate quote request.

When searching for a reputable agency, you must know there are a couple types of agencies that you can select. Agents may be either exclusive or independent.

Independent Auto Insurance Agents

Independent insurance agents are not required to write business for one company and that allows them to write policies with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier which requires no work on your part. When searching for an agent, you should always get some free quotes from multiple independent agents for the best price selection. They often place coverage with smaller companies which could offer lower prices.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive have only one company to place business with such as Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare rates from other companies so always compare other rates. Exclusive insurance agents receive extensive training on their company's products and that allows them to sell at a higher price point. Many people use the same exclusive agent mainly due to the brand name and the convenience of having a single billing for all their coverages.

Selecting an insurance agent should depend on more than just a cheap quote. Agents should be asked these questions:

Insurance ads bend the truth

Big name companies like GEICO, State Farm and Progressive regularly use ads in print and on television. All the companies convey the message of big savings if you get a free Englewood auto insurance quote and switch your insurance coverage to their company. How can each company give you a lower rate on insurance? This is the trick they use.

Companies provide the lowest rates for the type of driver they prefer to insure. A good example of this type of risk profile should be over the age of 45, has a clean driving record, and insures a new vehicle. Anyone who matches that profile receives the best rates in Englewood and will also save if they switch.

Drivers who do not meet those criteria will see more expensive rates and this results in the customer not buying. The ads state "people that switch" not "all people who quote" save that much. This is how insurance companies can state the savings.

This illustrates why it is so important to quote coverage with many companies. You cannot predict with any certainty which company will have the best premium rates for your profile.

Information about specific coverages

Having a good grasp of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle's damage.

Since a lot of drivers have only the minimum liability required by law (Colorado limits are 25/50/15), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like funeral costs, chiropractic care and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Insurance Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Mitsubishi Lancer
Ford Expedition Hyundai Accent
Chevrolet Silverado 3500 Nissan Versa
Audi A4 Allroad Kia Forte
Land Rover Range Rover Sport Chrysler 200
Ford F-350 SuperCrew Chevrolet Spark

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, rock chips in glass, theft and hitting a bird. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Maserati Quattroporte
Ford F-350 Bentley Continental GTC
GMC Sierra 2500 BMW M6
Nissan Leaf Bentley Continental GT
Chevy Silverado 2500 BMW M6
Chevy Spark Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for liability

This coverage will cover damage or injury you incur to other's property or people in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/15 that means you have $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like emergency aid, medical expenses, legal defense fees and medical services. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. Colorado state law requires minimum liability limits of 25/50/15 but you should think about purchasing better liability coverage.

Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Mitsubishi Mirage
Subaru Forester Kia Optima
Mercedes-Benz SL Class Dodge Charger
Subaru Outback Mitsubishi Lancer
Chevrolet Corvette Chevrolet Impala
Acura MDX Hyndai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision coverage protection

Collision coverage will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Collision Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Ferrari 458
Smart ForTwo Nissan GT-R
Ford F-250 SuperCab Bently Continental GTC
Ford Edge Audi RS7
Jeep Wrangler Maserati Ghibli
Mini Cooper Bently Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

In Summary

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage for the lowest price, but don't skip important coverages to save money.

Throughout this article, we presented some good ideas how you can lower your car insurance premium rates in Englewood. It's most important to understand that the more you quote Englewood auto insurance, the better your chances of lowering your prices. Drivers may even discover the biggest savings come from a lesser-known regional company.

There are still a few companies who may not offer price quotes online and these small, regional companies only sell coverage through local independent agents. Low-cost car insurance in Englewood is possible on the web and from local agencies, and you should compare rates from both to have the best rate selection.

Additional car insurance information can be found on the following sites: