Comparing auto insurance companies in Denver, CO can be challenging because you have many choices and picking a good Colorado car insurance agent takes more work than just calling the closest agent. Consumers require a professional licensed agent, and also the best price on auto insurance.
With so many companies and agents to choose from, it is hard for the average consumer to locate the best car insurance company.
Local Denver agents and auto insurance
Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of price shopping on the web is you may find the best rates but also keep your business local.
To find an agent, once you fill out this short form, your insurance data is transmitted to local insurance agents who will return price quotes to get your business. You don’t have to even leave your home since price quotes are sent straight to your inbox. How’s that for easy!
Selecting a car insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- Which company do they place the most coverage with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do the coverages you’re quoting properly cover your vehicle?
- What will you get paid if your car is a total loss? How is that amount determined?
- How much will you save each year by using a higher deductible?
- Do they specialize in personal lines coverage?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
The different types of insurance agents
When researching an insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies in Denver are categorized either independent or captive. Both types can insure your vehicles, but it’s worth learning how they differ since it may influence your agent selection.
Captive Insurance Agents
This type of agents can only write with one company such as Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. They are usually quite knowledgeable on the products they sell which helps them compete with independent agents.
Listed below are Denver captive insurance agencies who may provide you with comparison quotes.
State Farm Insurance – 1863 S Pearl St – Denver, CO 80210 – (303) 777-8000
Allstate Insurance – 655 Broadway # 420 – Denver, CO 80203 – (303) 534-1327
Farmers Insurance Group – 2765 S Colorado Blvd # 110 – Denver, CO 80222 – (303) 758-1953
American Family Insurance – 3095 W 38th Ave – Denver, CO 80211 – (303) 433-2002
Shelter Insurance – 6444 E Hampden Ave # J – Denver, CO 80222 – (303) 577-3024
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, it’s a good idea to get quotes from multiple independent agents to get the best comparison.
Below are Denver independent insurance agents that are able to give price quote information.
AAA Insurance – 4100 E Arkansas Ave – Denver, CO 80222 – (303) 753-8800
Toni A Smith Agency – 1400 S Colorado Blvd # 480 – Denver, CO 80222 – (303) 504-4455
Richard H Karns Agency Inc – 2000 W 120th Ave # 7 – Denver, CO 80234 – (303) 457-8683
First Group Of Insurance – 4610 S Ulster St # 150 – Denver, CO 80237 – (303) 290-7453
Stailey Parker Agency Inc – 2084 S Milwaukee St – Denver, CO 80210 – (303) 759-2796
For a complete listing of licensed insurance agents in Denver, please click here.
After getting positive feedback for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agency that will insure your vehicles.
Does buying direct online get me lower rates?
Insurance agencies serve a purpose, but you also have the option of buying Colorado car insurance directly from online companies. Certain auto insurance companies who sell through the agent channel additionally provide the ability to get quotes and purchase online, so that should be considered if finding the best price is important.
If you’re uncomfortable with whether or not you’ll have guidance when buying car insurance direct, that should not be a issue. All companies provide access to licensed agents for getting questions answered.
Does buying online save money? That question is hard to answer due to the large number of individual components that influence how your policy is priced. It’s a common assumption that shopping direct saves by not paying a commission. But the fact is, marketing expenses are significant and this tends to eat up any savings.
One last thing
Consumers leave their current company for a number of reasons such as policy cancellation, extreme rates for teen drivers, denial of a claim or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right auto insurance provider can be easy and end up saving you some money.
Cheaper auto insurance can be sourced from both online companies and also from your neighborhood Denver agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and these small, regional companies work with independent agents.
More information about auto insurance
Additional detailed information can be read at the Colorado DORA Division of Insurance website. Consumers can read industry bulletins, read state legal mandates and laws, and find out industry alerts.
Other useful links include this online resource for auto insurance quotes in Denver and this page of Denver insurance agents.