If you want to save the most money, the best way to find lower priced car insurance rates is to regularly compare price quotes from different companies in Colorado Springs.
- Spend some time learning about how companies set rates and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher rates like speeding and bad credit can be remedied by making small lifestyle or driving habit changes.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agencies can provide price quotes for many different companies.
- Compare the price quotes to your existing policy to see if a cheaper price is available in Colorado Springs. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
- Give notification to your current company to cancel your current auto insurance policy. Submit the required down payment along with the signed application to the newly selected company. Once the paperwork is finalized, place the new proof of insurance certificate in a readily accessible location in your vehicle.
One thing to remember is to make sure you’re comparing the same amount of coverage on each quote and and to get prices from every company you can. This ensures the most accurate price comparison and a complete rate analysis.
Unthinkable but true, the vast majority of consumers have purchased from the same company for four years or more, and roughly 40% of drivers have never compared rates to find affordable insurance. Consumers in the U.S. could save almost $859 every year, but most just don’t grasp the big savings they would realize if they switch to a new company.
Most companies give price estimates direct online. Getting quotes for Toyota C-HR insurance in Colorado Springs is quite simple because you just enter the coverages you want into the form. Behind the scenes, the quote system automatically orders information on your driving record and credit history and gives you a price quote based on many factors.
Being able to quote online for Toyota C-HR insurance in Colorado Springs streamlines rate comparisons, and it’s necessary to do this if you are searching for the lowest payment possible.
To quickly find out if lower rates are available, compare rates from the companies below. If you have your current policy handy, we recommend you type in the insurance coverages exactly as they are listed on your policy. This guarantees you will get a price comparison using the exact same coverages.
The companies shown below are our best choices to provide price comparisons in Colorado Springs, CO. If you want cheap car insurance in Colorado Springs, CO, it’s a good idea that you visit as many as you can to get the best price comparison.
Protect your Toyota C-HR and other assets
Despite the high cost, paying for insurance may not be optional for several reasons.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will have a requirement that you have full coverage to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Toyota at a significantly higher premium and force you to pay a much higher amount than you were paying before.
- Insurance safeguards your car and your assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If you have damage to your Toyota as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of having insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying over $810 a year so we recommend shopping around each time the policy renews to make sure the price is not too high.
Why Smart Buyers Pay Less for Toyota C-HR Insurance
A large part of saving on car insurance is knowing the factors that help calculate the price you pay for car insurance. When you know what positively or negatively controls the rates you pay, this enables informed choices that could result in better car insurance rates.
- Raise deductibles and save – Comprehensive and collision coverage deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. Physical damage protection, also called ‘full coverage’, insures against damage to your car. Some coverage claims could be a windshield broken by a bird, fire damage, or theft of your vehicle. The more expense you’re willing to pay, the bigger discount you will receive.
- Cheaper prices with safer cars – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you.
- Protect yourself with liability coverage – The liability coverage on your policy will provide protection when you are determined to be liable for physical damage or personal injury to other. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
- Rates increase with driving citations – Only having one citation may increase your cost by as much as twenty percent. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have flagrant tickets such as DUI or reckless driving may find that they have to to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.
- Type of car determines base costs – The performance level of the car or truck you are trying to find cheaper insurance for makes a huge difference in your premium level. Economy passenger cars generally receive the lowest base rates, but other factors influence the final cost greatly.
- Optional features that cut premiums – Selecting a car model that has an advanced theft prevention system can earn a premium discount. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
- Costs impacted by your city – Choosing to live in less populated areas of the country is a good thing when shopping for auto insurance. Residents of big cities tend to have more traffic problems and much longer commute distances. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims.
Colorado Springs auto insurance discounts
Insurance can be prohibitively expensive, but you might be missing out on some discounts to help offset the cost. Many discounts should be triggered when you quote, but some need to be asked about before you will receive the discount.
- Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
- Low Mileage – Fewer annual miles on your Toyota could qualify for lower prices due to less chance of an accident.
- Clubs and Organizations – Participating in a qualifying organization could earn you a nice discount on auto insurance.
- Service Members Pay Less – Being deployed in the military may lower your prices slightly.
- Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save a little on the medical payments or PIP coverage costs.
- Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Life Insurance – Larger insurance carriers have lower premium rates if you buy life insurance.
- Renewal Discounts – Some companies reward drivers for signing up early. Ten percent is about the average savings.
- Multi-policy Discount – If you can bundle your homeowners and auto insurance with the same company you could save up to 20% and get you inexpensive Toyota C-HR insurance in Colorado Springs.
Discounts lower rates, but most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.
To choose auto insurance companies with discount auto insurance rates in Colorado Springs, follow this link.
Special considerations
When quoting and comparing coverage, there really is not a best way to insure your cars. Your needs are unique to you and a cookie cutter policy won’t apply.
For instance, these questions may help highlight whether your personal situation would benefit from professional advice.
- Should I put collision coverage on all my vehicles?
- When should I drop full coverage on my Toyota C-HR?
- What vehicles should carry emergency assistance coverage?
- What is motorclub and do I need it?
- Are my custom wheels covered?
- Can I rate high risk drivers on liability-only vehicles?
- How much liability insurance is required?
- Am I covered when delivering products for my home-based business?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Does my policy cover me if I wreck while driving under the influence?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
When should I talk to an agent?
A lot of people would rather talk to a local agent and often times that is recommended An additional benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to participating agents in Colorado Springs that provide free Colorado Springs auto insurance quotes for your insurance coverage. There is no need to visit any agencies because prices are sent to you. It’s the lowest rates AND a local agent. If you want to compare prices from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.
Finding the right insurance company requires more thought than just a cheap price quote. You should also get answers to these questions.
- What are their preferred companies if they are an independent agency?
- Do they specialize in personal lines auto insurance in Colorado Springs?
- Will they take your side in the event of a claim?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they paid to recommend certain coverages?
- Can they provide you with a list of referrals?
- Does the agency have a positive business rating?
- Will high miles depreciate repair valuations?
When finding a reliable insurance agency, it’s helpful to know the different agency structures and how they operate. Auto insurance agents in Colorado Springs can be categorized as either exclusive or independent.
Exclusive Insurance Agencies
Exclusive agents have only one company to place business with such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on what they offer which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents mostly because of the prominence of the brand instead of buying on price only.
The following is a list of exclusive insurance agents in Colorado Springs that are able to give price quote information.
- Lee Ann Moore – State Farm Insurance Agent
3649 Star Ranch Rd – Colorado Springs, CO 80906 – (719) 540-9520 – View Map - Farmers Insurance – Patricia Szeredy
6632 Delmonico Dr – Colorado Springs, CO 80919 – (719) 268-0080 – View Map - State Farm: Austin Morgan
1806 Dominion Way Suite A – Colorado Springs, CO 80918 – (719) 630-1800 – View Map
View more Colorado Springs agents
Independent Agents (or Brokers)
Agents that elect to be independent are not employed by one company and that gives them the ability to insure with many different companies and get you the best rates possible. If your premiums go up, your agent can switch companies which is easy for the insured. When shopping rates, you need to contact several independent insurance agents to get the best comparison. Most can insure with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Below is a short list of independent insurance agencies in Colorado Springs that are able to give rate quotes.
- O’Donnell Agency Inc
707 S Tejon St – Colorado Springs, CO 80903 – (719) 227-7100 – View Map - Insurance Network of Co
2525 W Pikes Peak Ave # C – Colorado Springs, CO 80904 – (719) 635-9720 – View Map - Nationwide Insurance: Jeffrey Lloyd Sudermann Agency
6455 N Union Blvd #104 – Colorado Springs, CO 80918 – (303) 974-7676 – View Map
View more Colorado Springs agents
Colorado Springs auto insurance company ratings
Insuring your vehicle with a high-quality insurance provider is difficult considering how many choices drivers have in Colorado. The company information shown below can help you choose which coverage providers to look at 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
One last thing to lower rates
Discount Toyota C-HR insurance in Colorado Springs can be purchased both online and with local Colorado Springs insurance agents, so get free Colorado Springs auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not offer internet price quotes and these small, regional companies only sell through independent agents.
We covered some good ideas how to compare Toyota C-HR insurance car insurance rates in Colorado Springs. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced insurance comes from a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.
Additional insurance information can be found below:
- Red Light Cameras (State Farm)
- Who Has Cheap Colorado Springs Auto Insurance for a Ford Edge? (FAQ)
- What Auto Insurance is Cheapest for Good Students in Colorado Springs? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Colorado Springs? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Rental Reimbursement Coverage (Allstate)
- How to Avoid Common Accidents (State Farm)