Beginners to shopping for insurance coverage online might discover buying affordable Boulder car insurance is more work than they thought.

Sadly, most auto insurance buyers in Colorado renewed their policy with the same company for over three years, and almost 40% of drivers have never compared rates from other carriers. U.S. drivers could save $850 a year by just shopping around, but they just assume it takes a lot of time to compare rates online.

The fastest way that we advise to compare rate quotes is to know the fact most insurance companies participate in online systems to compare rate quotes. The only thing you need to do is give them some information like your credit rating estimate, which vehicles you own, driver ages, and whether you are married. Your information is then sent to multiple top-rated companies and you will get price comparisons within a short period of time.

To compare rates for your car now, click here and complete the quick form.

The providers in the list below have been selected to offer price quotes in Boulder, CO. If several companies are displayed, it's a good idea that you get price quotes from several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Boulder
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,154 $577 $96
Chevrolet Impala LS $922 $461 $77
Chevrolet Silverado LT Regular Cab 2WD $1,326 $663 $111
Dodge Ram Crew Cab Sport 2WD $1,410 $705 $118
Ford Edge SE 2WD $862 $431 $72
Ford Escape XLS 2WD $1,028 $514 $86
Ford F-150 XL Super Cab 4WD $882 $441 $74
Ford Focus SES 4-Dr Sedan $1,298 $649 $108
GMC Sierra SLE Extended Cab 4WD $1,008 $504 $84
Honda Accord LX-P 4-Dr Sedan $892 $446 $74
Honda CR-V EX-L 2WD $1,046 $523 $87
Honda Civic EX 2-Dr Coupe $1,156 $578 $96
Hyundai Elantra GLS Touring Station Wagon $1,012 $506 $84
Hyundai Sonata SE 4-Dr Sedan $1,188 $594 $99
Jeep Grand Cherokee SRT-8 4WD $1,162 $581 $97
Nissan Altima 2.5 S 4-Dr Sedan $956 $478 $80
Toyota Camry LE $1,106 $553 $92
Toyota Corolla XLE $1,280 $640 $107
Toyota Prius $1,196 $598 $100
Volkswagen Jetta S 4-Dr Sedan $832 $416 $69
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in garaging location in Boulder which can change premium rates significantly.

Full coverage rates compared to liability-only

The information below visualizes the comparison of Honda Accord insurance costs with and without full coverage. The premium estimates are based on no accidents, no driving violations, $100 deductibles, single male driver, and no discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision

There is no specific rule of when to eliminate comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Honda Accord claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If premiums are more than $300 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Choosing vehicle insurance is an important decision

Despite the high cost of buying insurance in Boulder, maintaining insurance may be mandatory for several reasons.

The benefits of insuring your vehicle more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $800 each year so you should quote and compare rates at every policy renewal to save money.

Don't overlook these auto insurance discounts

Some companies don't always advertise every disount available in an easy-to-find place, so we break down some of the best known in addition to some of the lesser obvious savings tricks you should be using when you buy Boulder car insurance online. If you check and find you aren't receiving every discount possible, you could be paying more than you need to.Auto insurance discounts

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free auto insurance policy, nobody gets a free ride.

Larger auto insurance companies and a summarized list of policyholder discounts are:

It's a good idea to ask each company the best way to save money. Depending on the company, some discounts may not apply everywhere. To view insurers that offer multiple discounts in Boulder, click here.

When to get professional advice

When it comes to choosing coverage, there isn't really a "perfect" insurance plan. Everyone's situation is a little different so your insurance needs to address that.Higher deductibles save money Here are some questions about coverages that can help discover if your situation would benefit from an agent's advice.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Find affordable auto insurance prices by comparing often

Affordable auto insurance in Boulder can be purchased on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not provide internet price quotes and usually these small insurance companies work with local independent agents.

You just read many ideas to compare auto insurance premium rates in Boulder. The key thing to remember is the more price quotes you have, the better chance you'll have of finding inexpensive Boulder car insurance quotes. Consumers may even find the lowest priced auto insurance comes from a small mutual company. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Allstate or State Farm.

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