How to Compare Auto Insurance Rates From Brighton Agents

If you’re looking for a licensed insurance agent in Brighton, you can do the preliminary legwork on the web in order to save time. There is a good chance you’re not only searching for a good agent that listens to you, but you also want the lowest possible price.

With companies like American Family, Allstate, State Farm and Farmers having local Brighton offices, consumers have a hard time knowing which insurance agency will have the lowest rates and best service. Fortunately, consumers can get online quoting to build a list of insurance agencies from which to choose.

Online quotes with a local Brighton insurance agent

Agents can help determine the best coverages and give you someone to call. The best thing about comparing insurance prices online is you may find the best rates and still choose a local agent. And supporting local insurance agencies is especially important in Brighton.

After completing this simple form, your insurance data is transmitted to local insurance agents who will compete to get your business. There is no need to leave your house due to the fact that quote results will go directly to your email. It doesn’t get any easier!

Do you need an independent or captive insurance agent?

When researching a good insurance agency, you must know there are a couple types of insurance agents that you can select. Agencies in Brighton are categorized either captive or independent (non-captive). Both properly insure your vehicles, but it’s worth learning how they are different since it may influence your agent selection.

Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s a good idea to get quotes from several independent insurance agents to have the most options to choose from.

Below is a short list of independent insurance agents in Brighton who can help you get competitive price quotes.

Flood Insurance Svc – 83 N 4th Ave – Brighton, CO 80601 – (303) 659-5006
Country Insurance and Financial – 862 S 16th Ct – Brighton, CO 80601 – (303) 654-0265

Captive Insurance Agents

This type of agents work for only one company and some examples include Allstate, State Farm and Farmers Insurance. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captives are well schooled on the products they sell which can be an advantage.

Shown below is a list of captive insurance agencies in Brighton who can help you get price quotes.

Farm Bureau Insurance – 1295 E Bridge St # 101 – Brighton, CO 80601 – (303) 659-3082
American Family Insurance – 70 N 4th Ave – Brighton, CO 80601 – (303) 659-0190
Farmers Insurance Group – 39 S 4th Ave # B – Brighton, CO 80601 – (303) 659-0828
State Farm Insurance – 2700 E Bridge St # 106 – Brighton, CO 80601 – (303) 654-1306

For a complete listing of captive insurance agencies in Brighton, visit this site.

Choosing an insurance agency should depend on more than just the premium amount. Ask your prospective agent these questions:

  • How are they compensated?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Who is covered by the car insurance policy?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they carry Errors and Omissions coverage?

After receiving satisfactory answers to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that is a good match to adequately provide auto insurance.

What if I want to shop online?

Insurance agents are indespensible for some people, but Colorado drivers can also buy from companies direct over the internet. Some companies who sell through the agent channel also give you the option to quote and buy online, and consumers should do that if finding the best price is important.

If you’re uncomfortable with not getting advice from an agent when buying direct, don’t be too concerned. Online insurance companies provide toll-free numbers to answer any questions you may have. They also have help pages and frequently asked questions to clarify any questions you may have.

Are online rates lower? Whether or not you’ll save is impossible to say because of the number of factors that impact your final bill. Common sense would say that buying car insurance online prevents the agent from taking a cut. In many cases, the cost of constant advertising is expensive and this drives up their premium costs.

Brighton insurance agents

In Summary

Insureds change insurance companies for a variety of reasons including policy non-renewal, poor customer service, unfair underwriting practices or lack of trust in their agent. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

Affordable auto insurance is attainable on the web and with local Brighton insurance agents, so compare prices from both to have the best chance of lowering rates. Some auto insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Much more information about auto insurance in Colorado can be found on the website for the Colorado DORA Division of Insurance. Click here for link. Colorado drivers can download brochures, find disaster information, read enforcement actions against agents and companies, and read industry bulletins.

Also read more on and this list of agents in Brighton, CO.