It takes a little time, but the best way to get affordable Kia Amanti insurance is to regularly compare quotes from different companies that insure vehicles in Colorado Springs.
- Step 1: Get a basic knowledge of how car insurance works and the steps you can take to lower rates. Many risk factors that result in higher prices such as speeding tickets, careless driving and an unacceptable credit history can be amended by making minor driving habit or lifestyle changes.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from multiple companies. Start a quote
- Step 3: Compare the price quotes to your existing coverage and determine if cheaper Amanti coverage is available in Colorado Springs. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
- Step 4: Give proper notification to your current agent or company to cancel the current policy and submit a completed application and payment to the new company. Immediately place your new certificate verifying proof of insurance in your vehicle.
One piece of advice is to try to use the same coverage limits and deductibles on each quote request and and to compare every insurance company. This helps ensure an accurate price comparison and the best price selection.
It’s safe to assume that insurance companies want to keep you from comparing rates. Drivers who shop around at least once a year will presumably buy a different policy because of the high probability of getting low-cost coverage. A study discovered that consumers who make a habit of shopping around saved as much as $70 a month compared to drivers who don’t regularly compare prices.
If finding the lowest price for Kia Amanti insurance in Colorado Springs is your ultimate goal, understanding the best ways to find and compare coverage rates can save time, money, and frustration.
Cheap car insurance in Colorado Springs, CO
The companies shown below offer price comparisons in Colorado. To buy cheap car insurance in Colorado Springs, CO, we recommend you get rates from several of them to get a more complete price comparison.
Get cheap rates on Kia Amanti insurance in Colorado Springs with these auto insurance discounts
Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you quote, but once in a while a discount must be specially asked for before they will apply.
- Responsible Driver Discounts – Drivers who avoid accidents can save as much as half off their rates than less cautious drivers.
- Membership in Organizations – Having an affiliation with qualifying clubs or civic groups may earn a discount on your next auto insurance statement.
- Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you may reduce your total bill.
- Early Switch Discount – A few larger companies allow discounts for signing up prior to the expiration date on your current Amanti insurance policy. It can save you around 10%.
- One Accident Forgiven – This one isn’t a discount, but a few companies such as Allstate and GEICO will forgive one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
- Save with a New Car – Insuring a new Amanti can cost up to 25% less compared to insuring an older model.
Discounts save money, but please remember that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies don’t profit that way.
A list of auto insurance companies and some of the discounts are included below.
- GEICO may offer discounts for seat belt use, federal employee, driver training, emergency military deployment, military active duty, and daytime running lights.
- Travelers offers discounts including student away at school, IntelliDrive, multi-policy, payment discounts, and new car.
- Farm Bureau has discounts for 55 and retired, youthful driver, good student, multi-vehicle, and safe driver.
- Liberty Mutual includes discounts for multi-policy, good student, newly retired, teen driver discount, preferred payment discount, and new vehicle discount.
- American Family may have discounts that include mySafetyValet, good driver, early bird, good student, accident-free, and multi-vehicle.
- Progressive offers premium reductions for continuous coverage, online quote discount, good student, multi-policy, multi-vehicle, homeowner, and online signing.
Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. Some discounts might not be offered in your state. If you would like to choose from a list of providers that can offer you the previously mentioned discounts in Colorado Springs, click here.
Exclusive versus independent insurance agents
A lot of people prefer to have an agent’s advice and that is OK! One of the great benefits of comparing insurance prices online is that you can find cheap rate quotes and still have a local agent. Supporting neighborhood insurance agencies is definitely important in Colorado Springs.
Once you complete this form (opens in new window), your insurance coverage information is sent to participating agents in Colorado Springs who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your house since price quotes are sent directly to your email. You can most likely find cheaper rates without having to waste a lot of time. In the event you want to compare rates from a particular provider, you just need to visit that company’s website and complete a quote there.
Picking the best provider should include more criteria than just the price. Here are some questions you should ask.
- Will they take your side in the event of a claim?
- Who is covered by the car insurance policy?
- Do they get paid more for recommending certain coverages?
- Will their companies depreciate repairs to your car based on the mileage?
- Are they able to provide referrals?
- Can you choose the body shop in case repairs are needed?
Colorado Springs car insurance companies ranked
Selecting a highly-rated insurance provider can be difficult considering how many companies provide coverage in Colorado. The ranking data shown next can help you pick which companies to look at when shopping your coverage around.
| 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
Be persistent to save money
We’ve covered many ways to save on Kia Amanti insurance in Colorado Springs. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest prices come from some of the smallest insurance companies. These companies may only write in your state and offer lower rates compared to the large companies like Allstate, GEICO and Progressive.
Some insurance companies do not offer online rate quotes and many times these regional insurance providers provide coverage only through independent agents. Budget-conscious Kia Amanti insurance is available online and also from your neighborhood Colorado Springs agents, and you should be comparing both so you have a total pricing picture.
Additional car insurance information can be found on the following sites:
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota RAV4 in Colorado Springs? (FAQ)
- Who Has Cheap Colorado Springs Auto Insurance Rates for Infrequent Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Colorado Springs? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Bad Credit in Colorado Springs? (FAQ)
- How Much is Auto Insurance for Postal Workers in Colorado Springs? (FAQ)
- Who Has the Cheapest Car Insurance Rates for 18 Year Olds in Colorado Springs? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance FAQ (Trusted Choice)
- Alcohol Impaired Driving FAQ (iihs.org)