Wellington, CO Car Insurance Savings the Insurance Companies Don’t Want You to Know About

Are you at wits end from sacrificing other expenses to buy car insurance? Your situation is no different than many other Colorado drivers. Vehicle owners have multiple car insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, it makes it harder to compare company pricing.

Buying the cheapest protection in Wellington is not that difficult. If you have a policy now or need new coverage, you can follow these tips to find better prices while maintaining coverages. Colorado drivers just need to learn how to compare company rates online.

Performing a rate comparison can take hours if you don’t understand the fastest way to get free quotes. You can waste a lot of time driving to insurance companies in Wellington, or you can stay home and use online quotes to quickly compare rates.

Many popular insurance companies belong to a marketplace where prospective buyers send in one quote, and at least one company provides a quote based on the submitted data. This prevents consumers from doing quote requests for every car insurance company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly the companies you want to price. So if you prefer to choose individual companies to request quotes from, we put together a list of companies who write car insurance in Colorado. Click here to view list.

Whichever way you choose to compare rates, double check that you are using apples-to-apples coverages on every quote. If you have different liability limits you will not be able to truly determine the lowest rate in Wellington.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-58.jpg" alt="Colorado auto insurance“/>

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • At what point should I drop full coverage?
  • Is my nanny covered when driving my vehicle?
  • When should my teen driver be added to my policy?
  • Am I covered when pulling a rental trailer?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the financial responsibility laws in Colorado?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

When to get advice from an agent

Certain consumers just prefer to sit down and talk to an agent and there is nothing wrong with that. Professional agents are trained to spot inefficiencies and help in the event of a claim. A nice benefit of price shopping on the web is the fact that you can find cheap car insurance rates and still have a local agent. Buying insurance from local insurance agencies is definitely important in Wellington.

Once you complete this simple form, your coverage information is sent to local insurance agents who want to provide quotes for your car insurance coverage. There is no need to contact any insurance agencies because prices are sent directly to you. If you want to compare rates for a specific company, you can always go to their quote page and give them your coverage information.

Pick the best car insurance agent in Wellington for you

If you are wanting to find a reliable insurance agency, it helps to know the two different agency structures and how they are slightly different. Car insurance agents in Wellington are considered either independent agents or captive agents. Either can write car insurance policies, but it’s good to learn the difference in how they write coverage because it can influence which type of agent you select.

Independent Car Insurance Agents

Agents in the independent channel are not employed by any specific company and that is an advantage because they can write policies amongst many companies and help determine which has the cheapest rates. If premiums increase, the business is moved internally and you don’t have to switch agencies. If you need cheaper car insurance rates, you will want to check rates from multiple independent agents so that you have a good selection of quotes to compare.

Featured below are Wellington independent insurance agencies that may be able to give pricing information.

Colorado auto insurance

Nationwide Insurance – 8121 Pheasant Run Ln – Wellington, CO 80549 – (970) 225-9981
Stevens Insurance – 4012 Cleveland Ave # 4 – Wellington, CO 80549 – (970) 568-0980
Bennett Agency – 3352 Man O War Dr – Wellington, CO 80549 – (970) 267-0895

Captive Car Insurance Agents

Captive agents can only quote rates from one company and examples are Farmers Insurance, Allstate, or State Farm. They usually cannot compare rates from other companies so they have to upsell other benefits. Captives are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.

Finding the right auto insurance agent needs to be determined by more than just the quoted price. A good agent will have answers to these questions.

  • How will an accident affect your rates?
  • Are they full-time agents?
  • How long have they worked with personal auto insurance coverage?
  • Does the agency have a current Errors and Omissions policy?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • How is replacement cost determined on your vehicle?
  • Can glass claims be handled at your home?
  • Do they have designations such as AIC, CPCU, or CIC?

Learn more about Colorado car insurance

Additional car insurance information is available on the website for the Colorado DORA Division of Insurance through this link. Consumers can read enforcement actions against agents and companies, find disaster information, and read consumer alerts.

The following information may also be useful.