Buy Low-Cost Pagosa Springs Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your checking account and make it hard to pay other bills. Comparing price quotes is a great way to help make ends meet. Because you have many auto insurance companies to choose from, it can be hard to find the best car insurance company.

It's important to compare prices quite often because insurance rates are constantly changing. Even if you got the lowest price a few years ago you can probably find a better price now. There is a lot of wrong information about auto insurance on the web, but we're going to give you some great ways to quit paying high auto insurance rates.

Shopping for affordable coverage in Pagosa Springs is easy if you know what you're doing. If you have insurance now or are shopping for new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Colorado drivers only need an understanding of the tricks to compare company rates online.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Discounts for multiple policies - Most insurance companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money.
With age comes lower rates - Teen drivers in Colorado are statistically proven to be less responsible when driving so auto insurance rates are higher. Parents adding a teen driver onto a policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
Do you know you're credit rating? - Your credit score is a important factor in determining what you pay for auto insurance. If your credit history is lower than you'd like, you could save money insuring your by improving your rating. People with high credit scores tend to be more responsible than drivers with poor credit.
Traffic violations increase rates - Even a single citation can bump up the cost twenty percent or more. Drivers who don't get tickets have lower premiums than bad drivers. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Higher safety ratings means cheaper insurance - Cars with high safety ratings get lower rates. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.

Be sure to get all your discounts

Car insurance is not cheap, but discounts can save money and there are some available that many people don't even know exist. Some discounts apply automatically when you complete an application, but a few must be manually applied before they will apply. If you don't get every credit you deserve, you are paying more than you should be.

Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Resident Student - Youth drivers who are attending college and do not have a car can receive lower rates.
Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
Save over 55 - If you're over the age of 55, you may qualify for a small decrease in premiums.
Organization Discounts - Participating in a professional or civic organization may earn a discount on your policy.
Defensive Driver - Completing a course in driver safety could cut 5% off your bill if your company offers it.

It's important to understand that some credits don't apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To choose providers offering auto insurance discounts in Colorado, click here.

Is there truth in advertising?

Colorado consumers can't ignore all the ads for car insurance savings from the likes of Allstate and Progressive. All the ads have a common claim of big savings if you switch your coverage to them.

But how can every company make almost identical claims?

All companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk could possibly be over the age of 50, insures multiple vehicles, and has a short commute. A driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher rates and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently make the claims of big savings.

That is why you should get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

How do I know if I need professional advice?

When buying the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help you determine whether or not you may require specific advice.

Do I need PIP (personal injury protection) coverage in Colorado?
What are Colorado no-fault laws?
Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?
Is my nanny covered when driving my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Are rental cars covered under my policy?

If you can't answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

More sites with auto insurance information

Additional auto insurance information is located on the website for the Colorado DORA Division of Insurance located here. Colorado consumers can read consumer alerts, read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Pagosa Springs insurance agents.

A tidy conclusion

As you shop your coverage around, don't be tempted to buy poor coverage just to save money. Too many times, drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we presented a lot of ways to save on auto insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the biggest savings come from the least-expected company. Some small companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost auto insurance can be found online as well as from independent agents in Pagosa Springs, and you should be comparing both to get a complete price analysis. Some insurance providers don't offer online price quotes and many times these small, regional companies only sell through independent insurance agents.