Finding good auto insurance in Commerce City can be challenging since there are a lot of options and finding the best Colorado auto insurance agent takes more work than just randomly choosing from the yellow pages. You need a friendly agent, but also need the best auto insurance prices in Commerce City.
Numerous car insurance agents battle for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rates possible.
Commerce City agents for auto insurance
Good agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of comparing rates online is that you can obtain the best rates and still choose a local agent.
Once you complete this quick form, your coverage information is transmitted to participating agents in Commerce City who will give you bids for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Choosing an insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- Are they able to influence company decisions when a claim is filed?
- Can glass repairs be made at your home?
- Are they properly licensed to sell insurance in Colorado?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they specialize in personal lines coverage?
- Do the coverages you’re quoting properly cover your vehicle?
- How long have they worked with personal auto insurance coverage?
- Did they already check your driving record and credit reports?
Is a captive or independent auto insurance agent right for you?
When searching for local Commerce City agents, there are two types of agencies to choose from. Agencies in Commerce City are either captive or independent. Both do a good job, but it’s worth mentioning how they differ since it can impact buying decisions.
Captive Insurance Agents
Captive insurance agents have only one company to place business with such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. These agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
The following are Commerce City captive agents that are able to give comparison quotes.
Allstate Insurance – 6401 E 72nd Ave # 105 – Commerce City, CO 80022 – (303) 853-4140
American Family Insurance – 4545 E 60th Ave – Commerce City, CO 80022 – (303) 853-9400
State Farm Insurance – 6025 E Parkway Dr # 190 – Commerce City, CO 80022 – (303) 288-4604
Independent agents do not work for one specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, it’s a good idea to contact at a minimum one independent agency for maximum quote selection.
Below is a short list of independent agents in Commerce City that are able to give price quotes.
American Modern Insurance Grp – 17473 E 104th Way – Commerce City, CO 80022 – (303) 451-1035
Jorgensen Insurance – 7260 Magnolia St – Commerce City, CO 80022 – (303) 288-6000
For a full directory of auto insurance agents in Commerce City, please click here.
Once you have good answers to any questions you have as well as a affordable price, most likely you have located a car insurance agent that can insure your vehicles.
The online alternatives
Licensed agents are indespensible for some people, but you also have the option of buying direct from companies online. Some car insurance companies that are more known for using agents, also give you the option to buy direct online, and consumers should do that if you are the do-it-yourself type.
If you’re uncomfortable with not receiving proper advice, don’t let it bother you. Online insurance companies provide access to licensed agents that you can contact for information.
Can you save money buying online? Whether or not you’ll save is impossible to say due to the fact that there are many factors that impact your final bill. It’s logical to say that a customer who purchases direcly from an online company cuts out the agent as a middleman. In reality, the cost of constant advertising is expensive and this tends to eat up any savings.
More tips and info about auto insurance can be found at the Colorado DORA Division of Insurance website. Consumers can read consumer alerts, discover disciplinary actions, read industry bulletins, and file complaints about an insurance agent or broker.
Keep this in mind
Low-cost auto insurance is possible both online and also from your neighborhood Commerce City agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.
Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, unfair underwriting practices, high rates after DUI convictions and poor customer service. Whatever your reason, finding a new auto insurance company is actually quite simple.