Searching for better insurance prices for a car in Colorado could be an all-consuming task, but you can use our car insurance buying tips to find lower rates. There is a better way to find car insurance online so we're going to tell you the absolute fastest way to get price quotes for your and obtain the best price possible from Wheat Ridge insurance agents and online providers.
You need to get comparison quotes at least once a year since rates are constantly changing. Even if you think you had the lowest premium rates on car insurance at your last renewal a different company probably has better prices today. You can find a lot of wrong information about car insurance online, but we're going to give you the easiest ways to lower your car insurance bill.
Most companies provide insurance quotes online. Getting online rates is quite simple as all you need to do is type in the coverages you want as detailed in the form. After the form is submitted, the quote system automatically retrieves reports for credit and driving violations and generates a price based on many factors.
Being able to quote online makes it easy to compare insurance prices and it's also necessary to compare as many rates as possible if you are searching for a better rate.
To save time and fill out one form to compare multiple rates now, check out the auto insurance providers below. If you currently have coverage, we recommend you replicate the insurance coverages as close as possible to your current policy. This makes sure you will have a price comparison for similar insurance coverage.
The companies shown below provide free rate quotes in Colorado. If several companies are displayed, we suggest you visit two to three different companies in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT 2WD||$824||$412||$69|
|Chevrolet Impala LS||$1,160||$580||$97|
|Chevrolet Malibu LS||$1,064||$532||$89|
|Chevrolet Silverado LTZ Extended Cab 4WD||$1,270||$635||$106|
|Dodge Ram Quad Cab Sport 4WD||$1,086||$543||$91|
|Ford Edge SEL AWD||$1,214||$607||$101|
|Ford Escape XLS 2WD||$784||$392||$65|
|Ford F-150 Lariat Crew Cab 4WD||$1,096||$548||$91|
|Ford Focus SES 2-Dr Coupe||$1,398||$699||$117|
|Ford Fusion Hybrid 4-Dr Sedan||$1,698||$849||$142|
|Honda Accord LX-S 2-Dr Coupe||$1,038||$519||$87|
|Honda CR-V LX 2WD||$898||$449||$75|
|Honda Civic EX-L 2-Dr Coupe||$1,308||$654||$109|
|Kia Optima EX||$1,068||$534||$89|
|Mazda 3 I SV 4-Dr Sedan||$1,394||$697||$116|
|Nissan Altima Hybrid 4-Dr Sedan||$1,352||$676||$113|
|Toyota Camry LE||$1,066||$533||$89|
|Toyota Corolla XLE||$1,466||$733||$122|
|Volkswagen Jetta S 2.5 Station Wagon||$834||$417||$70|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in specific location which can revise premiums significantly.
Wheat Ridge insurance rates: Men versus women
The chart below compares annual premium costs for male and female drivers in Wheat Ridge. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, drivers are single, and no policy discounts are applied on a Hyundai Elantra SE.
Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Rate comparison for different deductibles
The information below demonstrates how deductibles and can impact Dodge Ram insurance rates for different age groups. The rate quotes are based on a single male driver, comp and collision included, and no policy discounts are applied.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Discounts mean cheaper rates
Insuring your fleet can be pricey, but you might be missing out on some discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but a few must be inquired about before being credited. If they aren't giving you every credit you qualify for, you could be getting lower rates.
- Distant College Student Discount - Children who live away from home at college and do not have a car could qualify for this discount.
- Defensive Driver Discount - Taking time to complete a class that teaches defensive driver techniques can save you 5% or more depending on where you live.
- Sign Early and Save - Select insurance companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
- Federal Employees - Simply working for the federal government could provide a small rate reduction with certain companies.
- Payment Discounts - If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
- Discount for Home Ownership - Owning a house in Wheat Ridge can get you a discount because it is proof of financial responsibility.
- Anti-lock Brakes - Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
- Theft Deterrent System - Vehicles that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a Wheat Ridge auto insurance quote.
Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the appearance that it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will help reduce your premiums.
To see a list of companies that offer many of these discounts in Wheat Ridge, click here to view.
Eight things that determine your prices
Part of the auto insurance buying process is learning a few of the rating criteria that play a part in calculating the price you pay for auto insurance. If you understand what impacts premium levels, this enables informed choices that will entitle you to lower premium levels.
Impacts performance impacts auto insurance costs - The performance level of the vehicle you need to insure makes a significant difference in your car insurance bill. The lowest base rates will normally be found when insuring lower cost passenger cars, but many other things help determine your insurance rates.
Does your employer raise your premiums? - Careers like military generals, police officers, and accountants generally have higher premiums than the average policyholder in part from high stress levels and long work days. On the flip side, careers such as actors, athletes and retirees pay the least.
Safer vehicles means lower prices - Vehicles that have high safety ratings get lower rates. Highly rated vehicles reduce the chance of injuries and fewer serious injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your car or truck earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Alarms and GPS tracking lower auto insurance rates - Choosing to buy a car with a theft deterrent system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.
Bundle policies to earn discounts - Lots of auto insurance companies give lower prices to insureds that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount applied, you may still want to shop around to help guarantee you have the best rates. You may still find better rates by buying insurance from more than one company.
Stay claim-free and lower premiums - Insurance companies in Colorado give better rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
More people means more accidents - Residing in a rural area is a positive aspect when talking about auto insurance. Drivers in populated areas tend to have traffic congestion and more time behind the wheel. Less people means less chance of accidents and lower theft and vandalism rates.
Responsible credit scores equal low prices - Your credit score can be an important factor in your rate calculation. People that have very good credit scores tend to be less risk to insure than drivers with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your vehicle by taking the time to improve your credit score.
It's not one size fits all
When it comes to the best auto insurance coverage, there is no perfect coverage plan. Every situation is different.
For instance, these questions may help you determine if you could use an agent's help.
- Does my medical payments coverage pay my health insurance deductible?
- When should I remove comp and collision on my vehicle?
- Should I rate my vehicle as pleasure use or commute?
- If I drive on a suspended license am I covered?
- Does my policy cover my teen driver if they drive my company car?
- Where can I find DUI or SR-22 insurance?
- Do I need rental car coverage?
If you're not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It's fast, free and you can get the answers you need.
Insurance ads bend the truth
Colorado consumers can't avoid all the ads for cheaper insurance from the likes of Allstate and Progressive. They all say the same thing about how much you will save just by switching your policy.
Is it even possible that every company can save you money on insurance?
Most companies provide the lowest rates for the type of customer that earns them a profit. For example, a desirable insured might be described as over the age of 40, carries high limits, and drives a lower-performance vehicle. A customer that hits that "sweet spot" will probably get the lowest prices and therefore will save if they switch.
People who don't meet these criteria will probably have to pay higher premium rates which usually ends up with business not being written. If you listen closely, the ads state "people that switch" not "everybody who quotes" can get the lowest rates when switching. That's why insurance companies can confidently make it sound like they have such great rates. This emphasizes why it's extremely important to get as many free Wheat Ridge auto insurance quotes as possible. You cannot predict which insurance companies will have the lowest prices for your situation.
Compare but don't skimp
Affordable car insurance in Wheat Ridge can be found both online and also from your neighborhood Wheat Ridge agents, so you need to quote Wheat Ridge auto insurance with both to have the best selection. Some car insurance companies may not have the ability to get quotes online and many times these smaller companies only sell through independent agents.
When searching for cheap Wheat Ridge auto insurance quotes, it's very important that you do not buy poor coverage just to save money. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best possible price while still protecting your assets.
We just covered some good ideas how you can compare car insurance prices in Wheat Ridge. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best prices are with a company that doesn't do a lot of advertising.
Additional information is located at these links:
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for Safe Drivers in Colorado? (FAQ)
- Who Has Affordable Colorado Car Insurance for Drivers Over Age 60? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Inexperienced Drivers in Colorado? (FAQ)
- What is the Cheapest Car Insurance in Loveland, CO? (FAQ)
- What is the Cheapest Car Insurance in Westminster, Colorado? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)