When shopping for car insurance, picking a good Colorado insurance agent is more difficult than just calling the closest agent. Consumers need a professional licensed agent, and also want to find the lowest rates in Pueblo.
You have so many insurance agents to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to find the best rates for your vehicles.
Different people need different coverages
When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you will benefit from professional help.
- Am I covered when using my vehicle for business?
- Do I get a pro-rated refund if I cancel my policy early?
- Why am I required to buy high-risk coverage?
- Is Colorado a no-fault state?
- Does liability extend to a camper or trailer?
- Do I benefit by insuring my home with the same company?
- Does coverage extend to a rental car in a foreign country?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent.
Quote online but work with a neighborhood agent
Educated insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing rates online is you can get the lowest rates but also keep your business local.
To find an agent, once you fill out this simple form, your insurance data is transmitted to local insurance agents in Pueblo who will battle for your insurance coverage. You don’t have to leave your computer as quotes are delivered straight to your inbox. Now that’s easy!
Picking a car insurance agent requires more thought than just the price. Any agent should have no problem answering these questions:
- Is working in the agency their full-time job?
- Did they already check your driving record and credit reports?
- How often do they review policy coverages?
- Are claim adjusters local or do you have to take your car somewhere else?
- What are the financial ratings for the companies they represent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is vehicle damage repaired with OEM or aftermarket parts?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Listed below are agents in Pueblo willing to provide price quotes.
Allstate Insurance – 2707 N Grand Ave, Pueblo, CO 81003 – (719) 295-2920
Farmers Insurance Group – 1315 1/2 W 4th St, Pueblo, CO 81004 – (719) 543-9319
State Farm Insurance – 1029 W Abriendo Ave, Pueblo, CO 81004 – (719) 542-1131
Julie M Jimenez Agency – 1008 Constitution Rd, Pueblo, CO 81001 – (719) 542-2141
Colorado Farm Bureau Insurance – 1900 Santa Fe Dr, Pueblo, CO 81006 – (719) 583-8180
Johnson Insurance – 501 Belmont Ave, Pueblo, CO 81004 – (719) 542-3222
Baca Insurance – 1710 Santa Fe Dr, Pueblo, CO 81006 – (719) 542-1716
After getting positive feedback for all questions you ask and a good coverage price, you may have just found an insurance agency that can properly service your car insurance policy.
You have the option to buy car insurance direct online
Licensed agents are important, but you also have the option of buying Colorado car insurance direct from companies that only sell online. Some specific companies who have local Pueblo agents also permit you to buy direct on their websites, and consumers should do that if you want to do it yourself.
If you’re concerned about not having an agent to talk to when buying direct, this is normal but is quickly overcome. Insurance companies that require consumers to choose their own coverages all provide contact methods for customer questions. Also available are online help and live chat to help you make a buying decision.
Is it cheaper to buy online? That is a tough question to answer since there are so many factors that influence your rates. Some people think that a consumer who buys direct saves money by not requiring a commission. But in reality, the cost of constant advertising is expensive so this can offset any savings.
When shopping for low rates, the only way to find out if prices are better online or from an agent is to make apples-to-apples comparisons of both. Lots of times people will get different prices from the same insurance company when using both online and agent quotes.
For more Colorado car insurance information
Even more information can be read at the Colorado DORA Division of Insurance website. Consumers can read industry bulletins, learn about specific coverages, and file complaints about a company.
Summing up your car insurance search
Drivers change insurance companies for a variety of reasons including lack of trust in their agent, policy cancellation, high rates after DUI convictions and high prices. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.
When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
