Shopping for affordable Centennial car insurance on the internet can be intimidating for beginners to buying insurance on the web. With so many choices of insurers to choose from, how can anyone have a chance to compare every company to locate the lowest price available?
It is always a good idea to do rate comparisons yearly because insurance rates go up and down regularly. Despite the fact that you may have had the best deal two years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the best ways to find the best coverage while lowering your premiums.
Companies offer discounts so take them!
Companies don’t necessarily list every available discount very well, so we break down both the well known and also the lesser-known ways to save on car insurance. If you don’t get every credit available, you’re paying more than you need to.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
- Low Mileage Discounts – Keeping the miles down can qualify you for better rates on cars that stay parked.
- Club Memberships – Participating in a professional or civic organization could qualify you for a break when buying car insurance.
- Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
- No Claims – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
- Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. This can save 10% or more.
- Senior Citizens – If you’re over the age of 55, you may receive reduced rates.
- Service Members Pay Less – Having a family member in the military could mean lower rates.
Consumers should know that most credits do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous.
To see a list of companies with the best car insurance discounts in Centennial, click here to view.
Your local neighborhood insurance agent
Some people prefer to sit down with an agent and that is OK! Professional agents can help determine the best coverages and help in the event of a claim. One of the great benefits of price shopping on the web is the fact that you can find the best rates but also keep your business local.
By using this quick form, your insurance coverage information gets sent to insurance agents in Centennial who will compete for your business. You won’t need to leave your house because quoted prices will be sent directly to your email. Now that’s easy!
Selecting an provider should depend on more than just the bottom line cost. Any agent should be forthright in answering these questions:
- If your car is totalled, how to they determine the replacement cost?
- What insurance companies do they work with?
- Do they receive special compensation for putting your coverage with one company over another?
- How long has their agency been open in Centennial?
- If you have an accident, will your rates go up?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which members of your family are coverage by the policy?
Captive agents vs. Independent agents
When researching a reputable insurance agent or broker, there are a couple of different types of agents that differ in how they can insure your vehicles. Centennial agents are classified as either independent or captive. Both insure your vehicles, but it’s important to know how they differ because it can influence your selection of an agent.
Captive Insurance Agents
Captive agents have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. Captives cannot shop your coverage around so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on the products they sell which can be an advantage. Consumers often buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.
Shown below is a short list of captive agencies in Centennial who may provide you with price quotes.
- Farmers Insurance Group – 7200 E Dry Creek Rd # C103 – Centennial, CO 80112 – (303) 779-3027
- Colorado Farm Bureau Mutual – 9177 E Mineral Cir – Centennial, CO 80112 – (303) 749-7500
- Shelter Insurance – 2275 E Arapahoe Rd # 103 – Centennial, CO 80122 – (303) 795-5839
- American Family Insurance – 7200 E Dry Creek Rd # B202 – Centennial, CO 80112 – (303) 771-4381
- State Farm Insurance – 7200 E Dry Creek Rd # B105 – Centennial, CO 80112 – (303) 770-5652
- Allstate Insurance – 7200 E Dry Creek Rd – Centennial, CO 80112 – (303) 721-9889
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
When comparing rates, it’s recommended you contact at least one independent agent to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.
Below is a list of independent agents in Centennial who can help you get rate quotes.
- American National Insurance Co – 7200 E Dry Creek Rd # C104 – Centennial, CO 80112 – (303) 694-3337
- Susan Decarlo-Steele Agency – 7500 E Arapahoe Rd – Centennial, CO 80112 – (720) 493-4493
- Lee Wood Agency – 7485 E Peakview Ave – Centennial, CO 80111 – (303) 646-8942
- Westfield Group Insurance – 6300 S Syracuse Way # 230 – Centennial, CO 80111 – (720) 529-5524
- Morrone Agency Inc – 6970 S Holly Cir # 105 – Centennial, CO 80112 – (303) 337-4433
To view a complete directory of car insurance agents in Centennial, visit this site.
Once you have satisfactory answers as well as a affordable price, you may have just found an auto insurance agent that will properly insure your vehicles.
Drivers who switch save $423 a year? Really?
Consumers in Colorado can’t ignore all the ads that promise big savings from companies such as Geico, State Farm and Progressive. All the ads have a common claim that you’ll save big if you change your policy.
But how can every company claim to save you money? This is how they do it.
Insurance companies can use profiling for the driver that is profitable for them. A good example of a preferred risk might be a mature driver, owns a home, and has a high credit rating. A customer who matches those parameters will get the preferred rates and most likely will save quite a bit of money when switching.
Consumers who don’t qualify for this ideal profile must pay higher prices and ends up with business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save money. That is how companies can advertise the way they do. This illustrates why drivers must get as many comparisons as possible. It’s not possible to predict which company will give you the biggest savings.
Colorado insurance information
More detailed Colorado car insurance information can be found at the Colorado DORA Division of Insurance website. Consumers can read consumer alerts, find out which companies have the most complaints, read state legal mandates and laws, and get help finding coverage.
The best insurance company isn’t always the cheapest
People who switch companies do it for a variety of reasons including denial of a claim, high rates after DUI convictions, questionable increases in premium or poor customer service. Regardless of your reason, switching car insurance companies is not as hard as you think.
Lower-priced car insurance is possible on the web in addition to many Centennial insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced physical damage coverage to discover at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.