Consumers Guide to Searching Online for a Wheat Ridge Car Insurance Agent

If you’re looking to buy car insurance, you have many choices and picking a good Colorado auto insurance agent is more difficult than just picking up the phone. It’s likely you’re looking for a good agent, but you also need great rates as well.

With insurance companies like State Farm, Allstate and many independent agents having local Wheat Ridge offices, it’s hard to tell which one will provide you with the cheapest rates and the best coverage. To begin, consumers can get insurance quotes online to build a list of insurance agencies and price estimates.

How to compare Wheat Ridge car insurance rates

Agents can answer important questions and help you file claims. One of the best bonuses of getting online price quotes is you may find better rates and still have an agent to talk to. And providing support for local businesses is especially important in Wheat Ridge.

To help locate an agent, after submitting this simple form, your insurance coverage information is sent to insurance agents in Wheat Ridge who will battle for your business. You never need to leave your house since price quotes are sent immediately to your email address. Now that’s easy! You can find the lowest rates without the usual hassles of price shopping.

Two types of Wheat Ridge car insurance agents

If you’re trying to find a reliable agent, there are a couple of different types of agents from which to choose. Agents are classified as either independent (non-captive) or captive.

Independent Agents (or Brokers)

These agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When comparison shopping, it’s a good idea to include price quotes from at least one independent agent to ensure the widest selection of prices.Most can insure with lesser-known insurance companies which can save you money.

Below are Wheat Ridge independent insurance agencies that can give you comparison quotes.

  • Bob Leid Agency – 7615 W 38th Ave # B109 – Wheat Ridge, CO 80033 – (303) 422-2018
  • Active Insurance – 6117 W 38th Ave – Wheat Ridge, CO 80033 – (303) 422-1685
  • Truckers Equity Agency Inc – 10200 W 44th Ave # 134 – Wheat Ridge, CO 80033 – (303) 430-5725
  • SCA Insurance – 4800 Wadsworth Blvd – Wheat Ridge, CO 80033 – (303) 456-4487
Captive Agents

Captive agencies write business for a single company like Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agents are very knowledgeable on their company’s products and that can be a competitive advantage. Some people will only purchase coverage from captives partially due to loyalty to the company and solid financial strength.

Below are Wheat Ridge captive agencies who can help you get rate quotes.

  • Allstate Insurance – 7240 W 38th Ave – Wheat Ridge, CO 80033 – (303) 463-1750
  • State Farm Insurance – 7754 W 38th Ave – Wheat Ridge, CO 80033 – (303) 422-3429
  • Farmers Insurance Group – 5181 Ward Rd # 207 – Wheat Ridge, CO 80033 – (303) 422-1844

For a complete listing of car insurance agents in Wheat Ridge, visit this site.

Picking a car insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:

  • How much will you save each year by using a higher deductible?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Did they already check your driving record and credit reports?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Does the company allow you to choose your own collision repair facility?
  • How long has their agency been open in Wheat Ridge?
  • Can glass repairs be made at your home?

After receiving satisfactory answers to your questions and a low price estimate, chances are good that you have found an auto insurance agent that meets your needs to adequately provide car insurance.

What about online companies that don’t use agents?

Insurance agencies are perfect for certain consumers, but you also have the option of buying Colorado car insurance directly from online companies. Some specific companies like Allstate and State Farm who sell through agents in Wheat Ridge also allow you to buy a policy online, so keep that in mind and can also potentially find you lower rates.

If you’re uncomfortable with not getting advice from an agent, this really isn’t an issue. Auto insurance companies all have client service departments to answer any questions you may have.

Do people save by buying online? Many people swear by it, but it’s difficult to answer because there are many factors that impact your premium. It’s a common assumption that a customer who purchases direcly from an online company prevents the agent from taking a cut. In reality, online and traditional media advertising are expensive so there may not be significant savings.

Additional information can be read on the Colorado DORA Division of Insurance website found here. Colorado consumers can view agent and company licensing information, discover disciplinary actions, read enforcement actions against agents and companies, and download brochures.

Additional helpful sites include Auto Insurance 101 and this list of insurance agents in Wheat Ridge, CO.

Wheat Ridge CO agents

And the best car insurance company is…

Insureds leave their current company for any number of reasons including unfair underwriting practices, policy cancellation, questionable increases in premium and even not issuing a premium refund. Regardless of your reason, finding a new company is easier than you think.

Lower-priced car insurance can be purchased on the web and also from your neighborhood Wheat Ridge agents, so you should compare both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.