Are you sick and tired of not being able to afford to buy insurance? Your situation is no different than many other Colorado drivers.

Insurance rates BMW 325i in Colorado SpringsAstonishing but true according to a recent study, about 70% of customers have bought insurance from the same company for more than four years, and roughly 40% of drivers have never quoted insurance rates at all. American drivers could save themselves $860 a year just by getting comparison quotes, but most tend to underestimate the actual amount they would save if they changed companies.

Due to the abundance of different company options, it can be challenging to pick the lowest cost insurance company.

To find cheaper rates, there are a couple of ways to compare rate quotes from all the different companies. The easiest way by far to compare insurance prices is simply to get online rate quotes.

Online shopping is fast and free, and it makes it obsolete to drive around to and from local Colorado Springs insurance agencies. Comparing BMW 325i insurance rates online reduces the need to sit down with an agent unless you're the type of person who wants the professional advice of a licensed agent. It is possible to get prices online but still have the advice of a local agent. It's important to know that comparing more rates from different companies helps increase your odds of locating more affordable rates.

The providers in the list below can provide price quotes in Colorado. If multiple companies are shown, we suggest you click on several of them to get the best price comparison.

Save money on BMW 325i insurance in Colorado Springs with these auto insurance discounts

Some providers don't necessarily list every possible discount in a way that's easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.Save money with discounts

As is typical with insurance, some credits don't apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

A few companies that may offer quotes with these discounts include:

Double check with every company which credits you are entitled to. Savings may not apply to policies in Colorado Springs. If you would like to see a list of auto insurance companies with the best discounts in Colorado Springs, click here.

Buying from insurance agencies

Many drivers still like to get professional advice from a licensed agent and that is a personal choice. One of the benefits of getting online price quotes is that you can obtain the best rates and also buy local.

Find insurance agent in Colorado SpringsFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to participating agents in Colorado Springs who will give competitive quotes to get your business. You won't need to even leave your home since price quotes are sent directly to your email. You'll get the best rates without a big time investment. If you need to get a rate quote from a specific company, you would need to jump over to their website and fill out the quote form the provide.

Choosing the best company needs to be determined by more than just the premium amount. These are some questions you should get answers to.

When looking for a reputable agency, it's helpful to know the different types of agencies and how they work. Auto insurance agents can be classified as either independent or exclusive depending on the company they work for.

Exclusive Auto Insurance Agencies

These agents have only one company to place business with like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive agents are usually well trained on the products they sell which helps them sell on service rather than price.

Listed below is a list of exclusive insurance agencies in Colorado Springs that can give you price quote information.

2606 Palmer Park Blvd - Colorado Springs, CO 80909 - (719) 630-1800 - View Map

106 N Circle Drive - Colorado Springs, CO 80909 - (719) 633-0300 - View Map

540 W Garden of the Gods Rd - Colorado Springs, CO 80907 - (719) 599-9044 - View Map

More insurance agents

Independent Auto Insurance Agents

These type of agents can sell policies from many different companies 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 the coverage in-house and you won't have to switch agencies. When comparing auto insurance prices, you will definitely want to get some free quotes from independent agents to have the best price comparison.

Below are Colorado Springs independent agencies who can help you get price quotes.

2306 N Powers Blvd #120 - Colorado Springs, CO 80915 - (719) 591-4500 - View Map

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

125 N Parkside Dr #201f - Colorado Springs, CO 80909 - (719) 635-9557 - View Map

More insurance agents

After talking to the agent and getting satisfactory answers to any questions you have and a low price estimate, you have narrowed it down to an insurance agency that is reliable enough to service your policy.

Smart Consumers Can Cut Their Insurance Rates

Consumers need to have an understanding of a few of the rating criteria that help calculate insurance rates. If you understand what controls the rates you pay, this helps enable you to make changes that could help you find better insurance rates.

Three good reasons to insure your BMW vehicle

Despite the high insurance cost for a BMW 325i in Colorado Springs, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of buying auto insurance are without a doubt worth the cost, especially for larger claims. An average driver in America is wasting up to $850 per year so shop around at least once a year to be sure current rates are still competitive.

A little work can save a LOT of money

As you restructure your insurance plan, it's a bad idea to reduce needed coverages to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest cost, not the least amount of coverage.

Some insurance companies may not have price quotes online and these regional carriers prefer to sell through local independent agents. Cheaper BMW 325i insurance in Colorado Springs can be found on the web in addition to local insurance agencies, and you should be comparing both to have the best selection.

Much more information about insurance in Colorado can be read below: