Quick Guide to Finding a Windsor Car Insurance Agent

Finding good car insurance in Windsor can be challenging since you have many choices and finding the best Colorado insurance agency is not as easy as just making a phone call. We’re assuming you want a competent insurance agent, but also the best rates possible.

With companies like Farmers, Allstate, and independent agents all competing for business in Windsor, it’s difficult to determine which will have the best rates, service and coverage. Fortunately, it’s easy to use online quoting to get a list of insurance agents to choose from.

Local Windsor car insurance agents

Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing rates online is you may find lower rates but also keep your business local. Supporting local insurance agencies is especially important in Windsor.

Once you complete this quick form, your insurance coverage information is submitted to participating agents in Windsor who will compete to get your business. You never need to drive around due to the fact that quote results will go to your email. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

Independent or Captive: It’s your choice

If you’re trying to find a good insurance agency, there are two types of agencies from which to choose. Agencies in Windsor can either be independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent 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. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, we recommend you include price quotes from multiple independent agents for the best price selection. They also have the ability to place coverage with different regional companies which can save you money.

Listed below is a short list of independent agencies in Windsor that are able to give rate quotes.

  • Scott Harper Insurance – 1292 Main St # 6 – Windsor, CO 80550 – (970) 674-0937
  • LSI Insurance Inc – 512 Main St – Windsor, CO 80550 – (970) 674-1151
  • Clay Agency – 421 Main St # A – Windsor, CO 80550 – (970) 686-6839
Captive Insurance Agents

These agents have only one company to place business with and some examples include American Family, Liberty Mutual and AAA. They usually cannot give you multiple price quotes so always compare other rates. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent partially due to the prominence of the brand and the convenience of having all coverages with one company.

Below are Windsor captive insurance agencies who can help you get price quotes.

  • Shelter Insurance – 1190 W Ash St – Windsor, CO 80550 – (970) 674-8757
  • Allstate Insurance – 7791 Highland Meadows Pkwy – Windsor, CO 80528 – (970) 207-1859
  • American Family Insurance – 101 E Main St – Windsor, CO 80550 – (970) 686-5800

For a full directory of captive agents in Windsor, simply jump to this page.

Deciding on an insurance agent needs to be determined by more than just the price. Here are some questions to ask:

  • What insurance companies do they recommend if they are an independent agent?
  • Is the agent and/or agency licensed to do business in Colorado?
  • Do they regularly work with personal auto policies?
  • Who are their largest clients?
  • Do they feel the quoted coverages are adequate?
  • Does the company allow you to choose your own collision repair facility?

Upon getting reasonable responses to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that can service your policy.

Include online companies when price shopping

Car insurance agents are important, but Colorado consumers also have the option to buy from online companies direct. Some car insurance companies like State Farm and Allstate who sell through the agent channel also let you quote and buy online, so this should also be taken into consideration if you’re trying to lower your rates.

If you’re uncomfortable with not having professional advice, that is normal but is not a big issue. Online insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options that you can contact for information. They also have anytime access to help and a customer research section so you can feel comfortable buying online.

The only way to determine if the best rates are online or from local agents is to take the time to compare rates from both. It’s even possible to receive different pricing when using both online and agent quotes from the same car insurance company. But you won’t know if the company’s rates are lower online or from an agent until after you compare the same coverages utilizing both methods.

Will auto insurance cost less online? It’s hard to say exactly because there are a lot of things which can adversely affect your policy premium. You may think that going direct cuts out the middleman. For the majority of companies, however, there are very high advertising costs and this drives up their premium costs.

More information about car insurance

More information can be found on the Colorado DORA Division of Insurance website through this link. Visitors are able to find a variety of consumer forms, learn about insurance regulations, view agent and company licensing information, and find disaster information.

Windsor Colorado insurance agency

One last thing

As you shop your coverage around, do not reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Drivers leave their current company for a number of reasons such as unfair underwriting practices, delays in responding to claim requests, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.