Wish you could get out of an underperforming, overpriced car insurance policy? Don't feel bad because many Colorado Springs consumers are in the same pinch.

Discount Honda Crosstour insuranceUnimaginable but true, a large majority of drivers renewed their policy with the same company for four years or more, and roughly 40% of drivers have never compared rates with other companies. American consumers could save as much as 47% every year, but they don't know the big savings they would realize if they bought a different policy.

Due to the increasing number of online and local companies to choose from, it is hard for the average consumer to pick the cheapest insurance company.

Lower-cost Colorado Springs insurance quotes with discounts

Some insurance providers don't list every possible discount very well, so the following list contains both well-publicized as well as some of the hidden ways to save on insurance.

You can save money using discounts, but most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, companies wouldn't make money that way.

To see insurers that provide some of the discounts listed above in Colorado Springs, follow this link.

When price shopping your coverage, comparing more prices helps increase your odds of locating the best offered rates. Not every company provides online price quotes, so it's important to also get quotes from the smaller companies as well.

The car insurance companies shown below can provide price quotes in Colorado Springs, CO. If multiple companies are shown, we suggest you visit as many as you can in order to find the most affordable rates.

Insurance Price Influencing Factors

Smart consumers have a good feel for a few of the rating criteria that are used to determine your car insurance rates. If you know what influences your rates, this allows you to make good choices that can earn you big savings. Lots of things are used in the calculation when premium rates are determined. Most are fairly basic like a motor vehicle report, but some are not as apparent like your continuous coverage or your vehicle rating.

The following are a few of the things that factor into your rate level.

Shop online but buy locally

A small number of people still like to talk to a local agent and that is a personal choice. The biggest benefit of comparing auto insurance online is that you can find the best rates but also keep your business local. Putting coverage with neighborhood agents is still important in Colorado Springs.

Insurance agents in Colorado SpringsBy using this short form, the quote information gets sent to agents in your area who will give you quotes to get your business. It's much easier because you don't need to do any legwork since rate quotes are delivered immediately to your email address. You can most likely find cheaper rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from a particular provider, don't hesitate to navigate to their website and give them your coverage information.

If you would like to find a reliable insurance agent, there are a couple of different agency structures and how they can quote your rates. Auto insurance agents in Colorado Springs can either be exclusive or independent (non-exclusive).

Independent Auto Insurance Agents

Agents that elect to be independent are appointed with more than one company so as a result can place your coverage with many different companies and find the cheapest auto insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you can keep the same agent.

If you are trying to find cheaper rates, you should always get some free quotes from at least one independent agent in order to compare the most rates.

Below is a partial list of independent insurance agencies in Colorado Springs who may be able to give you free rate quotes.

1880 Dublin Blvd # C - Colorado Springs, CO 80918 - (719) 528-1555 - View Map

5585 Erindale Dr #107 - Colorado Springs, CO 80918 - (719) 528-1884 - View Map

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

More Colorado Springs agents

Exclusive Agents

These agents work for only one company and some examples include State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so they have no alternatives for high prices. They are well schooled on sales techniques and that can be a competitive advantage.

Below are Colorado Springs exclusive insurance agencies that can give you rate quotes.

5885 Stetson Hills Blvd #130 - Colorado Springs, CO 80923 - (719) 591-2300 - View Map

2340 Academy Blvd N - Colorado Springs, CO 80909 - (719) 597-4330 - View Map

600 N Tejon St - Colorado Springs, CO 80903 - (719) 475-8787 - View Map

More Colorado Springs agents

Selecting an car insurance agent should depend on more than just a cheap price quote. These are some valid questions you should ask.

It may be expensive, but it's not optional

Despite the high insurance cost for a Honda Crosstour in Colorado Springs, auto insurance may be mandatory for several reasons.

The benefits of insuring your car definitely exceed the cost, particularly if you ever have a claim. On average, a vehicle owner in Colorado Springs is wasting up to $825 a year so shop around at every policy renewal to ensure rates are inline.

Find affordable rates by being thorough

In this article, we covered a lot of information how to save on Honda Crosstour insurance in Colorado Springs. It's most important to understand that the more providers you compare, the better likelihood of getting inexpensive Colorado Springs auto insurance quotes. You may even find the lowest rates come from the smaller companies. Smaller companies can often provide lower car insurance rates in certain areas compared to the large companies like GEICO and State Farm.

Some auto insurance companies do not offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent agents. Cost effective Honda Crosstour insurance is attainable online and from local agencies, and you need to comparison shop both to have the best selection.

More information can be read at the links below