Auto Insurance Rate Quotes in Colorado Springs

Trying to find cheaper insurance for a car in Colorado can normally be difficult, but you can learn the following methods to save time. There are more efficient ways to find car insurance online and you need to know the quickest way to quote coverages on a and get the lowest price from both online companies and Colorado Springs agents.

If you have a current insurance policy or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Comparing quotes for the lowest-priced insurance in Colorado Springs is not as confusing as people think. Drivers just have to use the least time-consuming way to find the lowest price over the internet.

Discounts for lower Colorado Springs insurance rates

Some companies don’t always advertise every discount available very well, so the list below gives a summary of both the well known and also the lesser-known discounts that may be available.Save money with discounts

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts will help reduce your insurance premiums.

A few of the larger companies and a selection of discounts are:

Double check with each insurance company which discounts they offer. Depending on the company, some discounts might not apply everywhere.

Auto Insurance Rates for Popular Vehicles in Colorado Springs
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,468 $734 $122
Chevrolet Silverado LTZ Extended Cab 2WD $1,730 $865 $144
Dodge Ram Crew Cab SLT 4WD $1,768 $884 $147
Ford Escape Limited 4WD $1,412 $706 $118
Ford F-150 Lariat King Ranch 4WD $1,684 $842 $140
Ford Focus SES 4-Dr Sedan $1,568 $784 $131
Honda Accord EX-L 4-Dr Sedan $1,412 $706 $118
Honda CR-V LX 2WD $1,272 $636 $106
Honda Civic VP 4-Dr Sedan $1,568 $784 $131
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,470 $735 $123
Kia Optima LX $1,592 $796 $133
Nissan Altima 2.5 S 2-Dr Coupe $1,730 $865 $144
Toyota Camry LE $1,508 $754 $126
Toyota Corolla LE $1,608 $804 $134
Toyota Prius $1,450 $725 $121
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,546 $773 $129
Get Rate Quotes for Your Vehicle Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Table data does not factor in your specific Colorado Springs location which can decrease or increase premiums greatly.

Low cost Colorado Springs insurance quotes

Finding cheap insurance quotes can be surprisingly simple. Just spend a little time comparing free Colorado Springs car insurance quotes provided by online insurance companies.

The companies in the list below have been selected to offer price comparisons in Colorado Springs, CO. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.

Informed drivers save more

Consumers need to have an understanding of the factors that come into play when calculating your premiums. When you know what positively or negatively determines base rates, this enables informed choices that may result in cheaper rates.

Shown below are some of the factors used by your company to calculate rates.

Males pay higher premiums – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that females are better drivers. Both genders are responsible for accidents in similar percentages, but guys have accidents that have higher claims. Men also have more aggressive citations like driving under the influence (DUI). Youthful male drivers are most likely to cause an accident so they pay the highest premiums.

Costs can change based on your address – Having an address in a small town is a positive aspect when it comes to car insurance. Drivers in populated areas have to deal with more auto accidents and higher rates of accident claims. Lower population means less chance of accidents as well as less vandalism and auto theft.

Insurance costs are higher for high performance vehicles – The make and model of the vehicle you are insuring makes a substantial difference in your auto insurance rates. The cheapest insurance rates tend to be for economy passenger cars, but that’s not the only thing that factors into the final price.

Policy add-ons may not be needed – Insurance policies have a lot of extra coverages that can waste your money on your car insurance policy. Insurance for vanishing deductibles, accident forgiveness, and Farm Bureau memberships could be just wasting money. These coverages may sound good when buying your policy, but if they’re wasting money get rid of them and save.

Are car insurance agents obsolete?

A small number of people still prefer to sit down and talk to an agent and that is not a bad decision Licensed agents can answer important questions and give you someone to call. A good thing about comparing rate quotes online is you may find cheap rate quotes but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information is submitted to companies in Colorado Springs who will return price quotes to get your business. You never need to find an agent on your own since rate quotes are delivered to you instantly. If you have a need to compare rates from a specific auto insurance provider, you can always visit that company’s website and fill out the quote form the provide.

Choosing an insurance company needs to be determined by more than just the bottom line cost. Any agent in Colorado Springs should be forthright in answering these questions:

Multiple types of car insurance agents in Colorado Springs

If you are searching for a local insurance agency, you need to know there are two different agency structures and how they can quote your rates. Colorado Springs agents are categorized either independent or exclusive depending on the company they work for. Either one can sell affordable auto insurance policies, but it’s important to point out how they are different because it can impact the selection process.

Exclusive Agents

Exclusive agencies generally can only insure with one company such as State Farm or Allstate. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. These agents are highly trained on their company’s products and that allows them to sell at a higher price point. Drivers often use the same exclusive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.

Shown below is a list of exclusive agents in Colorado Springs that are able to give price quote information.

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Independent Auto Insurance Agencies

Agents that choose to be independent do not write with just one company so they can insure your vehicles through many different auto insurance companies and find the cheapest auto insurance rates. If you are not satisfied with one company, they simply move the coverage in-house which requires no work on your part. If you need cheaper auto insurance rates, we highly recommend that you include price quotes from multiple independent agents to get the best comparison. Many can place coverage with less well-known companies which can be an advantage.

Below are Colorado Springs independent insurance agencies who can help you get comparison quotes.

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Auto insurance is an important decision

Despite the high cost, insurance is mandatory in Colorado but it also protects more than you think.

The benefits of having insurance definitely exceed the price paid, specifically if you ever have a liability claim. Today the average American driver is overpaying over $820 a year so compare quotes from several companies every year to make sure the price is not too high.

Ratings for Colorado car insurance companies

Finding a good quality auto insurance provider can be difficult considering how many choices you have in Colorado Springs. The ranking information below could help you select which auto insurance companies to look at purchasing coverage from.

Top 10 Colorado Springs Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Colorado Springs Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Persistence will pay off

When shopping online for car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest cost while still protecting your assets.

Some insurance companies may not provide rate quotes online and these smaller providers only sell through independent insurance agencies. Affordable car insurance in Colorado Springs can be purchased both online and from local agencies, so you should compare both to have the best selection.

We covered a lot of information how to reduce car insurance premium rates online in Colorado Springs. The most important thing to understand is the more companies you get prices for, the better likelihood of getting affordable Colorado Springs car insurance quotes. Consumers may even find the lowest premium rates are with a small mutual company.

Steps to finding better rates for auto insurance in Colorado Springs

It takes a little time, but the best way to save on auto insurance rates is to compare quotes annually from different companies who can sell car insurance in Colorado Springs. You can shop around by following these steps.

One tip to remember is that you use similar limits and deductibles on every price quote and and to get price estimates from as many different insurance providers as possible. Doing this ensures an apples-to-apples comparison and a good representation of prices.

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