Lowest Rates for Castle Rock Auto Insurance Providers

When searching for a licensed insurance agent in Castle Rock, you can always do the preliminary legwork online to save time. Chances are you’re wanting a great agent that can assess your needs, but also affordable coverage.

With insurance companies like independent agents, Allstate and State Farm having offices in Castle Rock, it’s difficult to determine which one will provide you with the best rates, service and coverage. Thankfully, consumers can get insurance quotes online to get a list of agencies and price estimates.

Local Castle Rock auto insurance agents

Professional agents can point out coverage gaps and help file insurance claims. One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent. And supporting local agencies is definitely important in Castle Rock.

After completing this simple form, your insurance data is immediately sent to local insurance agents in Castle Rock who will compete for your insurance coverage. There is no reason to leave your house since price quotes are sent straight to your inbox. How’s that for easy! You can find better rates AND a local agent.

Multiple types of auto insurance agents in Castle Rock

When searching for a reputable insurance agent or broker, there are a couple of different types of agents that you can select. Castle Rock agents are categorized either independent or captive.

Independent Agencies or Brokers

Independent insurance agents 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. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, it’s recommended you get quotes from at least one independent agent for the best price selection. They often place coverage with different regional companies who may have lower rates.

Listed below are independent agencies in Castle Rock who can help you get pricing information.

  • Insurance Town and Country – 513 Wilcox St # 200 – Castle Rock, CO 80104 – (303) 688-1251
  • Fox Insurance Assoc Inc – 1848 Sapling Ct – Castle Rock, CO 80109 – (303) 663-8300
  • Herrington Agency – 425 S Wilcox St # 300 – Castle Rock, CO 80104 – (303) 663-4545
  • Barry Amsler Agency – 513 Wilcox St # 200 – Castle Rock, CO 80104 – (303) 663-1555
  • Musell Agency Inc – 840 Kinner St # A – Castle Rock, CO 80109 – (303) 660-1121
Agency Captives

This type of agents can only write with one company like AAA, State Farm, Farmers Insurance and Allstate. They generally cannot place coverage with different providers so always compare other rates. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from captives partially due to the brand legacy and the convenience of having a single billing for all their coverages.

Shown below is a list of captive insurance agents in Castle Rock that can give you rate quotes.

  • Allstate Insurance – 937 Park St – Castle Rock, CO 80109 – (303) 663-2293
  • Farm Bureau Insurance – 401 S Wilcox St # 101 – Castle Rock, CO 80104 – (303) 688-5193
  • Farmers Insurance Group – 7505 Village Square Dr – Castle Rock, CO 80108 – (303) 814-2292
  • American Family Insurance – 405 S Wilcox St # 301 – Castle Rock, CO 80104 – (303) 663-1166
  • State Farm Insurance – 4765 Front St # C – Castle Rock, CO 80104 – (303) 660-3410

To view a complete directory of captive agents in Castle Rock, click here to link.

Selecting a car insurance agent shouldn’t rely on just the price. Here are some questions to ask:

  • How long has their agency been in business in Castle Rock?
  • Do they assist clients in filing claims?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Does the agency have a good rating with the Better Business Bureau?
  • Does the agent have professional designations like CIC, CPCU or AIC?

Upon getting answers to your satisfaction to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that meets your needs to insure your vehicles.

Does buying direct online save money because there is no agent?

Insurance agencies serve a purpose, but you also have the option of buying from online companies direct. Some companies who employ agents also let you buy online, and that can save time if the lowest rate is your goal.

If you’re uncomfortable with not having someone to ask questions when buying direct, that should not be a issue. Online car insurance companies that allow you to purchase coverage have customer service departments for getting questions answered. Consumers also can use help pages and frequently asked questions to clarify any questions you may have.

For price-conscious consumers, the only way of knowing if car insurance prices are lower online or from agents is to get price quotes for both. Even though it sounds odd, people frequently get different pricing when quoting both agents prices and online prices from the same company.

Does buying online save money? It’s difficult to say for sure since there are so many components that impact your final bill. Common logic is that buying directly from the company cuts out the agent as a middleman. For most companies selling online, however, advertising and marketing take a lot of money and this drives up their premium costs.

Do the work, save more money

Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, extreme rates for teen drivers or being labeled a high risk driver. No matter why you want to switch, finding a great new company can be less work than you think.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where someone dropped liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

For more information

Much more information about auto insurance in Colorado is available on the Colorado DORA Division of Insurance website. Click here for link. Consumers can read industry bulletins, file complaints about a company, and file complaints about an insurance agent or broker.