The preferred way to get budget Dodge Intrepid insurance in Colorado Springs is to make a habit of comparing prices annually from different companies who sell auto insurance in Colorado. You can shop around by following these guidelines.
First, try to learn about the coverage provided by your policy and the things you can change to drop your rates. Many factors that result in higher prices such as accidents, traffic tickets, and a negative credit score can be amended by paying attention to minor details.
Second, compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or State Farm, while agents who are independent can provide prices from multiple companies.
Third, compare the new rate quotes to the price on your current policy to determine if you can save on Intrepid insurance in Colorado Springs. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.
Fourth, provide proper notification to your current company of your decision to cancel the current policy and submit a down payment and signed policy application to your new company or agent. Immediately upon receiving it, place your new certificate verifying coverage in an easily accessible location in your vehicle.
A crucial key to this process is to compare identical coverage information on each quote and and to look at as many companies as feasibly possible. This provides an accurate price comparison and a better comparison of the market.
Shockingly, nearly 70% of consumers renewed their policy with the same company for more than four years, and just short of a majority have never even compared quotes to find affordable rates. With the average insurance premium being $1,847, American drivers can save hundreds of dollars each year just by comparing rates, but most tend to underestimate how much savings they would realize if they changed companies.
These techniques will teach you the best ways to compare prices and also save some money in the process If you currently have car insurance, you will surely be able to reduce premiums using the ideas covered in this article. Smart shoppers just need to understand the fastest way to compare price quotes online from multiple companies.
Earn discounts on Colorado Springs auto insurance
Companies that sell car insurance don’t list every possible discount in a way that’s easy to find, so the list below contains both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy Colorado Springs car insurance online.
- No Accidents – Colorado Springs drivers who stay claim-free have much lower rates as compared to frequent claim filers.
- ABS Brakes – Cars that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Seat Belts Save – Requiring all passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
- Defensive Driver Discounts – Successfully completing a class that teaches defensive driving techniques could save 5% or more if your company offers it.
- Government Employee Discount – Federal government employees could provide a small rate reduction but check with your company.
- Telematics Data Discounts – People who choose to allow their auto insurance company to spy on driving manner by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
- Multi-Vehicle Discounts – Having primary and secondary vehicles on one policy can get a discount on all vehicles.
- Paper-free Discount – A handful of companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
- Discount for Multiple Policies – When you have multiple policies with one company you may earn 10% to 20% off each policy.
It’s important to understand that many deductions do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will reduce your overall bill.
Some of the insurance companies that possibly offer most of these discounts include:
Before purchasing a policy, check with every insurance company how you can save money. Depending on the company, some discounts might not apply everywhere. For a list of insurers that have a full spectrum of discounts in Colorado Springs, click here.
Reducing your insurance rates can be relatively painless. Consumers just need to take the time comparing rate quotes provided by online insurance companies.
It’s so fast and easy to compare price quotes online that it makes it obsolete to call or drive to insurance agencies in your area. Comparing Dodge Intrepid insurance rates online eliminates the middleman unless your situation requires the professional abilities of an agent trained in personal lines coverage. However, consumers can comparison shop online but have your policy serviced through an agent.
The following companies can provide comparison quotes in Colorado Springs, CO. To locate the best cheap auto insurance in Colorado Springs, we recommend you visit two to three different companies to get a more complete price comparison.
Get rate quotes but buy from a local Colorado Springs insurance agency
A small number of people would prefer to visit with an insurance agent and that is a personal choice. Insurance agents can answer important questions and give you someone to call. One of the benefits of price shopping on the web is that you can obtain better rates and also buy local. And buying from local agencies is especially important in Colorado Springs.
Upon completion of this quick form, your coverage information is sent to agents in your area who will gladly provide quotes for your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent to the email address you provide. In the event you want to get a comparison quote for a specific company, you just need to search and find their rate quote page and fill out their quote form.
Deciding on an provider should depend on more than just a cheap price quote. Any good agent in Colorado Springs should know the answers to these questions.
- How many years of experience in personal auto insurance do they have?
- Do they review policy coverages at every renewal?
- What insurance companies do they work with in Colorado Springs?
- Is the agent CPCU or CIC certified?
- What company do they have the most business with?
Best auto insurance in Colorado
Finding a highly-rated car insurance company can be difficult considering how many different companies there are to choose from in Colorado Springs. The company rank data in the lists below may help you decide which providers you want to consider shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheap rates are available
Throughout this article, we presented a lot of techniques to get a better price on Dodge Intrepid insurance in Colorado Springs. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Dodge Intrepid insurance quotes. Consumers could even find that the biggest savings come from an unexpected company. They can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
Lower-priced Dodge Intrepid insurance in Colorado Springs can be purchased online in addition to many Colorado Springs insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide online quoting and many times these regional carriers work with local independent agents.
More tips and info about car insurance can be found in the articles below:
- Neck Injury FAQ (iihs.org)
- Who Has the Cheapest Colorado Springs Car Insurance Rates for a 20 Year Old Male? (FAQ)
- Who Has Affordable Colorado Springs Car Insurance for Felons? (FAQ)
- Who Has Affordable Colorado Springs Car Insurance Rates for Good Drivers? (FAQ)
- What Car Insurance is Cheapest for College Students in Colorado Springs? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)