Tricks for Saving Money on Estes Park, CO Car Insurance Rates

Did you fall for a flashy sales pitch and buy an expensive car insurance policy? Don’t feel bad because there are many Estes Park drivers thinking the same thing. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

It’s a good habit to shop coverage around before your policy renews since insurance prices change quite often. Despite the fact that you may have had the best rates a couple years back you can probably find a lower rate today. There is a lot of bad advice regarding car insurance online but you can learn a lot of great tips on how to slash your car insurance rates.

The fastest way that we advise to get rate comparisons utilizes the fact almost all companies will pay a fee to compare rate quotes. The only thing you need to do is give the companies some data such as how you use your vehicles, whether your vehicle is owned or leased, whether you have decent credit, and level of coverage desired. Your insurance information is then sent to many of the top insurers and you receive quotes immediately.

If you would like to start a quote now, click here and enter your zip code.

Colorado insurance cheap

Car insurance is available from local insurance agents

A lot of people still like to talk to a local agent and that can be a great decision The best thing about getting online price quotes is that you can obtain better rates but also keep your business local. And buying from neighborhood insurance agencies is important particularly in Estes Park.

By using this short form, the coverage information gets sent to companies in Estes Park that can provide for your insurance coverage. It makes it easy because there is no need to visit any agencies because quoted prices will be sent instantly to you. You can find the lowest rates without having to waste a lot of time. If you wish to quote rates from a specific company, don’t hesitate to find their quoting web page and fill out the quote form the provide.

Two types of Estes Park car insurance agents

If you’re trying to find local Estes Park agents, it’s helpful to know the different types of agents and how they can service your needs differently. Car insurance agents can either be captive or independent agents depending on their company appointments.

Independent Car Insurance Agencies

These agents are appointed with more than one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If premiums increase, your agent can switch companies and you stay with the same agent.

If you are comparing rate quotes, you should always contact a couple of independent agencies so that you have a good selection of quotes to compare.

Listed below are independent insurance agents in Estes Park that can give you free rate quotes.

Denton Insurance – 205 Park Ln # 207 – Estes Park, CO 80517 – (970) 586-2989
Insurance Assoc Of Estes Inc – 363 E Elkhorn Ave – Estes Park, CO 80517 – (970) 586-4407
Tim Petersen Agency – 1140 Manford Ave – Estes Park, CO 80517 – (970) 586-8420

Captive Car Insurance Agencies

These type of agents can only provide one company’s prices and examples are AAA, State Farm, Farmers Insurance, and Allstate. Captive agencies are unable to provide prices from multiple companies so always compare other rates. Captive agents are well schooled in insurance sales and that allows them to sell at a higher price point.

Finding the right auto insurance agent shouldn’t rely on just the premium amount. Get answers to these questions too.

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If your car is totalled, how to they determine the replacement cost?
  • Are they primarily personal or commercial lines agents?
  • Will they take your side in the event of a claim?
  • Is there a 24/7 contact number?
  • How are claims handled?

More information is located on the website for the Colorado DORA Division of Insurance located here. Colorado drivers can find out industry alerts, find disaster information, learn about specific coverages, and learn about insurance regulations.