No normal person likes having to buy insurance, especially when they know the price is too high.

It's hard to believe, but most consumers have stayed with the same insurance company for four years or more, and just under half have never quoted rates to find lower-cost coverage. Consumers in Colorado could save an average of as much as 35% each year, but they don't know the big savings they would realize if they switched to a cheaper policy. There are many insurance companies to choose from, and even though it's nice to have multiple companies, more choices can make it harder to find the best rates.

Our goal in writing this article help you learn how car insurance companies work and some tips to save money. If you have insurance now, you will surely be able to get lower rates using the techniques covered below. Smart buyers only need an understanding of the proper way to compare rates over the internet.

Car insurance companies in Northglenn

The following companies are our best choices to provide free quotes in Colorado. If multiple companies are listed, we recommend you visit two to three different companies in order to find the lowest rates.

Insurance Rate Estimates for Popular Vehicles in Northglenn
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,352 $676 $113
Chevrolet Impala LS $798 $399 $67
Chevrolet Silverado LTZ Crew Cab 2WD $1,180 $590 $98
Dodge Ram Crew Cab Sport 2WD $1,286 $643 $107
Ford Edge SEL 2WD $1,192 $596 $99
Ford Escape XLS 4WD $830 $415 $69
Ford F-150 Lariat King Ranch 4WD $1,554 $777 $130
Ford Focus SE 2-Dr Coupe $1,192 $596 $99
Honda Accord EX 2-Dr Coupe $1,392 $696 $116
Honda CR-V LX 2WD $934 $467 $78
Honda Civic LX-S 4-Dr Sedan $1,270 $635 $106
Hyundai Elantra GLS Touring Station Wagon $936 $468 $78
Kia Optima EX $1,270 $635 $106
Mazda 3 S Sport 4-Dr Sedan $1,156 $578 $96
Nissan Altima 3.5 SR 2-Dr Coupe $1,324 $662 $110
Nissan Rogue S 2WD $1,246 $623 $104
Toyota Camry LE $1,036 $518 $86
Toyota Corolla XRS $1,140 $570 $95
Toyota RAV4 Limited 4WD $1,248 $624 $104
Toyota Tacoma 4WD $1,140 $570 $95
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific location information which can affect rates substantially.

Auto insurance deductibles

One of the more difficult decisions when buying auto insurance is which comprehensive and collision deductibles to buy. The premium rates below can help you understand the cost difference of buying low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Corolla insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $302 $644 $352 $20 $106 $1,449 $121
Corolla S $302 $644 $352 $20 $106 $1,449 $121
Corolla XLE $302 $644 $352 $20 $106 $1,449 $121
Corolla XRS $342 $644 $352 $20 $106 $1,489 $124
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Toyota Corolla insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $220 $434 $352 $20 $106 $1,132 $94
Corolla S $220 $434 $352 $20 $106 $1,132 $94
Corolla XLE $220 $434 $352 $20 $106 $1,132 $94
Corolla XRS $250 $434 $352 $20 $106 $1,162 $97
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in specific location which can affect premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $27 more each month or $324 every year than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 15 months between claims, you would probably be better off by going with a higher deductible.

How accidents and violations affect rates

The information below illustrates how traffic citations and at-fault accidents raise Kia Optima car insurance rates for different age groups of insureds. The rates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate difference between full and liability-only coverage

The chart below examines Ford F-150 car insurance costs with full coverage compared to only the Colorado minimum liability coverage. The rate quotes are based on no tickets, no at-fault accidents, $1,000 deductibles, single male driver, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comp and collision

There is no specific rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Ford F-150 replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 a year to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Car insurance discounts help lower rates

Some providers do not list the complete list of policy discounts very well, so the following list contains a few of the more well known and the harder-to-find credits available to lower your premiums when you buy Northglenn auto insurance online.Save money with discounts

We need to note that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren't that lucky.

Larger car insurance companies and their offered discounts are outlined below.

When getting free Northglenn auto insurance quotes, it's a good idea to all companies you are considering the best way to save money. Savings might not apply in every state. For a list of companies that offer multiple discounts in Northglenn, click this link.

Smart consumers can cut their auto insurance rates

Smart consumers have a good feel for some of the things that play a part in calculating your auto insurance rates. When you understand what determines premiums, this allows you to make good choices that may result in much lower annual insurance costs. Many different elements are considered when premium rates are determined. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious such as whether you are married and annual miles driven.

When do I need an agent's advice?

When it comes to coverage for your personal vehicles, there really isn't a cookie cutter policy. Every situation is different and your car insurance should be unique as well.Safe vehicles cost less to insure For example, these questions can aid in determining whether you may require specific advice.

If you can't answer these questions then you might want to talk to an agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Local neighborhood insurance agents

Some people would rather sit down and talk to an agent and that can be a smart move Most agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing rate quotes online is that you can obtain cheap rate quotes but still work with a licensed agent. Buying from and supporting local agents is still important in Northglenn.

Find insurance agent in NorthglennAfter completing this quick form, your insurance coverage information is immediately sent to companies in Northglenn who will give competitive quotes for your insurance coverage. You never need to drive around because quoted prices will be sent instantly to you. In the event you want to get a price quote for a specific company, don't hesitate to go to their quote page and fill out their quote form.

If you prefer to buy insurance from a reputable agency, there are a couple of different agency structures that you can select. Insurance policy providers are either exclusive or independent (non-exclusive). Both types can sell affordable insurance policies, but it's a good idea to understand the differences because it can factor into the kind of agent you use.

Independent Agents

These type of agents do not have single company limitations so they can write business with multiple insurance companies and find you the best rates. To transfer your coverage to a different company, they simply switch companies in-house and you can keep the same agent. If you are comparing rate quotes, you will want to get several quotes from several independent agencies in order to compare the most rates.

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company such as American Family, State Farm, and Allstate. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on sales techniques which aids in selling service over price.

Picking the best insurance agent should depend on more than just the bottom line cost. These questions are important to ask:

Best and worst vehicle claim statistics

Which vehicles statistically have the most claims? The following tables outline the good and bad vehicles for overall likelihood of filing claims for each type of coverage.

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Porsche Panamera GTS
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf Audi S7
GMC Sierra 2500 Bentley Continental GT
Chevy Silverado 2500 BMW M6
Ford F-350 BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 2500 Hyundai Accent
Audi A4 Allroad Chevrolet Sonic
Land Rover Range Rover Sport Chevrolet Spark
Tesla Model S Mitsubishi Lancer
Chevrolet Corvette Nissan Sentra

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Hyndai Accent
Mercedes-Benz SL Class Kia Optima
Subaru Outback Mitsubishi Mirage
Fiat 500 Kia Rio
Volvo XC60 Chevrolet Cruze
Subaru Forester Mitsubishi Lancer

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW 6 Series
Ford F-150 SuperCrew Maserati Ghibli
Mini Cooper Bentley Continental Flying Spur
Jeep Wrangler Maserati Granturismo
Nissan Xterra BMW M6
Ford Edge Ferrari 458

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

You can lower your car insurance rates

We just showed you a lot of ways to shop for car insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

Discount car insurance in Northglenn can be bought both online and also from your neighborhood Northglenn agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not offer online rate quotes and these regional carriers only sell through independent insurance agents.

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