Want cheaper Mercedes-Benz SLS AMG insurance in Colorado Springs? Pretty sure you bought an overpriced car insurance policy? You’re preaching to the choir because many Colorado Springs drivers have buyer’s remorse.
Everyone knows that auto insurance companies don’t want you to look at other companies. Drivers who compare price quotes will presumably switch car insurance companies because there is a high probability of finding a cheaper policy. A survey found that consumers who compared price quotes annually saved on average $865 annually compared to people who never compared prices.
If saving the most money on Mercedes-Benz SLS AMG insurance in Colorado Springs is why you’re here, understanding how to find companies and compare car insurance can help make the process easier.
Popular companies such as GEICO, Farmers Insurance and State Farm continually bombard you with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
If you have coverage now, you will be able to reduce premiums using the following tips. Choosing the best rates in Colorado Springs can really be easy if you know what you’re doing. Nevertheless, Colorado consumers need to learn the way companies calculate your policy premium because rates fluctuate considerably.
Cheapest companies for Mercedes-Benz SLS AMG insurance
The companies shown below are ready to provide price quotes in Colorado Springs, CO. To get the cheapest car insurance in Colorado Springs, we suggest you visit as many as you can to find the cheapest auto insurance rates.
Do you qualify for discounts on Mercedes-Benz SLS AMG insurance in Colorado Springs?
Some providers don’t always list every discount available very well, so the list below details some of the best known and also the lesser-known ways to save on insurance.
- Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
- Renewal Discounts – Some insurance companies reward drivers for switching policies prior to the expiration date on your current SLS AMG insurance policy. This discount can save up to 10%.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
- Responsible Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their Colorado Springs auto insurance quote than drivers with accidents.
- Government Employees – Active or former government employment could cut as much as 10% off with a few insurance companies.
- Discount for Good Grades – Getting good grades may save you up to 25%. Most companies allow this discount well after school through age 25.
- Accident Forgiveness – Not a discount per se, but certain companies will forgive one accident before hitting you with a surcharge if you have no claims before the accident.
- Driver’s Ed – Teen drivers should take driver’s ed class in high school.
- Defensive Driver Discounts – Successfully completing a course in defensive driver could earn you a small percentage discount and make you a better driver.
It’s important to understand that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will help lower your overall bill.
A few of the larger companies and some of their more popular discounts are included below.
- GEICO may offer discounts for anti-lock brakes, multi-vehicle, anti-theft, five-year accident-free, defensive driver, and seat belt use.
- Travelers may include discounts for good student, home ownership, multi-policy, save driver, continuous insurance, driver training, and new car.
- Farm Bureau offers discounts for multi-policy, youthful driver, multi-vehicle, renewal discount, and good student.
- Liberty Mutual may have discounts that include preferred payment discount, teen driver discount, safety features, new move discount, hybrid vehicle, and exclusive group savings.
- American Family offers discounts including air bags, accident-free, mySafetyValet, early bird, good driver, and defensive driver.
- Progressive has discounts for multi-policy, online signing, homeowner, online quote discount, good student, and multi-vehicle.
Before you buy a policy, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your state. To see providers that have a full spectrum of discounts in Colorado Springs, click here to view.
You may need specialized insurance coverage
When it comes to choosing your policy for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you may require specific advice.
- Is there coverage for injuries to my pets?
- Do I need PIP coverage since I have good health insurance?
- How do I insure my teen driver?
- Should I have combined single limit or split liability limits?
- Am I covered if I have no license?
- When do I need to add a new car to my policy?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Get rate quotes but still have a local Colorado Springs insurance agency
Some people still like to visit with an insurance agent and that is a smart decision A good thing about getting free rate quotes online is the fact that you can find better rates but also keep your business local. Putting coverage with neighborhood insurance agencies is especially important in Colorado Springs.
Once you complete this form (opens in new window), your coverage information is immediately sent to insurance agents in Colorado Springs that can give you free Colorado Springs auto insurance quotes for your business. There is no reason to find an agent because quoted prices will be sent immediately to you. You can get cheaper insurance rates without having to waste a lot of time. If you wish to compare prices for a specific company, you just need to jump over to their website and fill out the quote form the provide.
If you would like to find a local agent, you must know there are a couple types of agencies from which to choose. Colorado Springs agents can be described as either independent or exclusive.
Independent Insurance Agents
Independent agencies do not write with just one company so as a result can place your coverage amongst many companies and get the cheapest rates. If you want to switch companies, they simply switch companies in-house which is easy for the insured. If you are trying to find cheaper rates, it’s a good idea to get quotes from at least one independent agent in order to have the best price comparison.
Listed below is a list of independent agents in Colorado Springs that may be able to provide price quote information.
Springs Insurance Brokers
1837 Austin Bluffs Pkwy #101 – Colorado Springs, CO 80918 – (719) 268-1300 – View Map
Benson Insurance Group, LLC
5155 N Academy, #110 – Colorado Springs, CO 80918 – (719) 622-3079 – 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
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare rates from other companies so they have to upsell other benefits. They receive extensive training on their company’s products which helps them sell on service rather than price.
Below is a short list of exclusive insurance agencies in Colorado Springs that are able to give comparison quotes.
American Family Insurance – Michael Janzen Agency Inc.
1045 W Garden of the Gods Rd Ste M – Colorado Springs, CO 80907 – (719) 528-6387 – View Map
Tom Harbert – State Farm Insurance Agent
8027 Academy Blvd N – Colorado Springs, CO 80920 – (719) 594-4500 – View Map
State Farm: Jeff Libby
7610 N Union Blvd #115 – Colorado Springs, CO 80920 – (719) 593-9200 – View Map
View more Colorado Springs agents
Picking the best car insurance agent needs to be determined by more than just a cheap price. Before buying a policy in Colorado Springs, get answers to these questions.
- How much experience to they have in personal lines coverages?
- Do they prorate repair cost based on vehicle mileage?
- Are they actively involved in the community?
- Do you need full coverage on every vehicle?
- How would your car be valued if totaled?
- Do they offer claims assistance after hours?
- If you have an accident, will your rates go up?
- Do you qualify for any additional discounts?
Colorado car insurance companies ranked
Buying coverage from the top insurance company can be challenging considering how many companies there are in Colorado. The company ratings listed below could help you pick which auto insurers you want to consider comparing rates 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
Do the work, save more money
We’ve covered many ideas to get a better price on Mercedes-Benz SLS AMG insurance in Colorado Springs. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a small local company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
Lower-priced car insurance in Colorado Springs can be found both online and with local Colorado Springs insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies do not provide rate quotes online and many times these smaller providers only sell through local independent agencies.
How to find low-cost Mercedes-Benz SLS AMG insurance in Colorado Springs
It takes a little time, but the best way to get more affordable car insurance rates is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in Colorado Springs.
- Step 1: Read and learn about coverages and the factors you can control to prevent expensive coverage. Many things that drive up the price like multiple speeding tickets and a less-than-favorable credit score can be amended by paying attention to minor details.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agencies can quote prices for many different companies.
- Step 3: Compare the new quotes to your existing coverage and determine if there is any savings. If you find better rates and switch companies, ensure there is no coverage lapse between policies.
The most important part of shopping around is that you use the same coverage limits and deductibles on each price quote and and to get price quotes from as many different companies as possible. This provides the most accurate price comparison and a thorough price selection.
More resources
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Cheap Auto Insurance for a Ford F-150 in Colorado Springs? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers with a Bad Driving Record in Colorado Springs? (FAQ)
- How Much is Auto Insurance for a Dodge Grand Caravan in Colorado Springs? (FAQ)
- Who Has the Cheapest Colorado Springs Auto Insurance Quotes for Lyft Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Rates for 18 Year Olds in Colorado Springs? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Vehicle Size and Weight FAQ (iihs.org)