Finding the Right Auto Insurance Agent in Englewood

When finding a good insurance agent in Englewood, Colorado, you can always do an initial search online in order to save time. It’s assumed you’re not only searching for an excellent agent, but you also want affordable coverage.

With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, consumers have a hard time knowing which will provide the cheapest rates and the best coverage. To help decide, consumers can get online price quotes in order to build a list of agents to choose from.

Buying car insurance locally

Agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing rates online is you may find the lowest rates and still have an agent to talk to. And supporting small agencies is important particularly in Englewood.

By using this simple form, your insurance coverage information is sent to participating agents in Englewood who will give you bids for your insurance coverage. You won’t need to leave your computer because quoted prices will be sent straight to your inbox. Now that’s easy! You can find the lowest rates AND an agent nearby.

The difference between Englewood auto insurance agents

When researching a local agent, you need to know there are two different agency structures that you can select. Agents are either independent (non-captive) or captive.

Independent Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, we recommend you include price quotes from at least one independent agent to ensure the widest selection of prices. Most have the option of insuring with different regional companies which may provide better rates.

Listed below is a short list of independent agencies in Englewood willing to provide pricing information.

  • Colorado Casualty Insurance Co – 10700 E Geddes Ave # 300 – Englewood, CO 80112 – (720) 873-9200
  • Harley Reese Agency Inc – 7936 E Arapahoe Ct # 2200 – Englewood, CO 80112 – (303) 771-9111
  • Mutual Of Omaha Insurance Co – 9200 E Panorama Cir # 250 – Englewood, CO 80112 – (720) 875-0102
  • Strand Agency – 6800 S Dawson Cir # 203 – Englewood, CO 80112 – (303) 680-9017
  • Robert B Weist Agency – 333 W Hampden Ave # 905 – Englewood, CO 80110 – (303) 789-4406
Captive Insurance Agents

Captive agencies can only place business with one company like Liberty Mutual, State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captives are usually quite knowledgeable on their company’s products which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of high brand loyalty and the convenience of having all coverages with one company.

Shown below are captive agencies in Englewood willing to provide comparison quotes.

  • Farmers Insurance Group – 9559 S Kingston Ct – Englewood, CO 80112 – (303) 800-1010
  • American Family Insurance – 88 Inverness Cir E – Englewood, CO 80112 – (303) 713-0500
  • State Farm Insurance – 4275 S Broadway # 100 – Englewood, CO 80113 – (303) 761-3710
  • Allstate Insurance – 88 Inverness Cir E # A208 – Englewood, CO 80112 – (303) 792-3175

To view a full list of captive agencies in Englewood, please click here.

Choosing an insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:

  • Are they full-time agents?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are you getting all the discounts the company offers?
  • Do they feel the quoted coverages are adequate?
  • Do they review policy coverages at every renewal?

After receiving satisfactory answers and locked in a price quote, you may have just found an auto insurance agent that can adequately provide auto insurance.

Isn’t it cheaper to buy from online companies like Geico?

Insurance agents can be invaluable at times, but Colorado consumers also have the option to buy direct from companies online. Some specific companies like State Farm and Allstate that are more known for using agents, also give you the ability to get a quote and buy online, so that should be considered if you don’t want to take the time to contact agents.

If you’re uncomfortable with not having professional advice when buying car insurance direct, that is normal but is not a big issue. All companies have customer service departments that you can contact for information.

Is auto insurance cheaper online? The answer is complex since companies use quite a few components which can adversely affect your policy premium. Common sense would say that a customer who purchases direcly from an online company prevents the agent from taking a cut. But that assumption is generally incorrect because there are high advertising and marketing costs so the rates may be similar to buying from an agent.

Additional reading for auto insurance information

Additional auto insurance information can be found on the Colorado DORA Division of Insurance website found here. Consumers can find out which companies have the most complaints, get help finding coverage, and learn about specific coverages.

More related Englewood auto insurance information:

compare Englewood Colorado insurance agents

Buy online or local, you save

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Budget-conscious auto insurance can be bought online and also from your neighborhood Englewood agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.