Finding more affordable quotes on the internet may be rather challenging for drivers new to quoting and comparing rates on the internet. With such a large choice of companies, how are drivers able to have the ability to compare every company in order to find cheaper car insurance rates?

Unimaginable but true, the vast majority of car insurance customers have been with the same company for at least the last four years, and approximately 38% of consumers have never shopped around. With the average car insurance premium being $1,813, Littleton drivers could save roughly 35% each year just by getting comparison quotes, but most tend to underestimate the large savings they would see if they switched.

Just remember that comparing more prices will enable you to find a lower rate than you're paying now. Not every company does quotes over the internet, so you should also compare quotes from those companies as well.

The companies in the list below provide price comparisons in Colorado. If multiple companies are shown, it's highly recommended you visit several of them in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Littleton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $938 $469 $78
Chevrolet Equinox LTZ AWD $1,004 $502 $84
Chevrolet Impala LT $1,208 $604 $101
Chevrolet Silverado LTZ Crew Cab 2WD $1,432 $716 $119
Dodge Grand Caravan Crew $1,190 $595 $99
Dodge Ram Crew Cab TRX 4WD $1,082 $541 $90
Ford Escape XLT 4WD $1,028 $514 $86
Ford Explorer Limited 2WD $954 $477 $80
Ford F-150 XL Regular Cab 2WD $1,008 $504 $84
Ford Focus SEL 4-Dr Sedan $964 $482 $80
Honda Accord LX 4-Dr Sedan $924 $462 $77
Honda CR-V LX 4WD $924 $462 $77
Honda Civic SI 4-Dr Sedan $1,192 $596 $99
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,220 $610 $102
Nissan Altima 2.5 4-Dr Sedan $1,064 $532 $89
Toyota Camry LE $816 $408 $68
Toyota Corolla S $1,234 $617 $103
Toyota Prius $1,036 $518 $86
Toyota Tacoma 4WD $1,144 $572 $95
Get Your Own Custom Quote Go

Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in garaging location in Littleton which can lower or raise premiums considerably.

Auto insurance prices based on gender

The example below compares insurance costs for male and female drivers in Littleton. The rate quotes are based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are factored in on a Hyundai Sonata GLS.

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

Responsible drivers pay cheaper car insurance rates

The illustration below illustrates how speeding tickets and at-fault accidents can affect Chevrolet Silverado auto insurance rates for different ages of insureds. The premium estimates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

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

Deductible analysis

One of the hardest decisions when shopping for auto insurance is which deductibles should you choose. The comparison tables below highlight how much more rates are of buying low and high policy deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $236 $376 $352 $20 $106 $1,115 $93
Acadia SL AWD $272 $376 $352 $20 $106 $1,151 $96
Acadia SLE 2WD $272 $376 $352 $20 $106 $1,151 $96
Acadia SLE AWD $272 $458 $352 $20 $106 $1,233 $103
Acadia SLT 2WD $272 $458 $352 $20 $106 $1,233 $103
Acadia SLT AWD $306 $458 $352 $20 $106 $1,267 $106
Get a Quote for Your Vehicle Go
GMC Acadia insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $146 $236 $352 $20 $106 $860 $72
Acadia SL AWD $168 $236 $352 $20 $106 $882 $74
Acadia SLE 2WD $168 $236 $352 $20 $106 $882 $74
Acadia SLE AWD $168 $288 $352 $20 $106 $934 $78
Acadia SLT 2WD $168 $288 $352 $20 $106 $934 $78
Acadia SLT AWD $190 $288 $352 $20 $106 $956 $80
Get a Quote for Your Vehicle Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in garaging location in Littleton which can influence premiums noticeably.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $24 more each month or $288 for a full year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 31 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One important caveat is that higher deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. It will be required that you have some available funds in the event you need to pay the higher deductible in order to repair your vehicle.