Shop Online for Boulder Car Insurance Providers

When finding a good insurance agent in Boulder, Colorado, you can always do an initial search online instead of calling around. For the sake of this article, we’ll assume that not only do you want a good professional insurance agent, but you also need affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Boulder, it can be hard to know which one will provide you with the best rates, service and coverage. Fortunately, consumers can use insurance quotes online to build a list of agencies and price estimates.

How to find Boulder insurance agents online

Agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rates online is you can get lower rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Boulder.

Once you complete this short form, your information is submitted to local insurance agents in Boulder who will compete for your business. You won’t need to leave your computer due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! It’s the lowest rates AND a local agent.

Shown below are agents in Boulder that can give you price quote information.

Heibert Agency – 4564 Arapahoe Ave, Boulder, CO 80303 – (303) 443-5252
Liberty Mutual Insurance – 2700 Canyon Blvd # 210, Boulder, CO 80302 – (303) 938-9221
Allstate Insurance – 3450 Penrose Pl # 110, Boulder, CO 80301 – (303) 442-4902
State Farm Insurance – 4720 Table Mesa Dr # A100, Boulder, CO 80305 – (303) 499-6707
Farmers Insurance Group – 1710 13th St, Boulder, CO 80302 – (303) 443-9981
American Family Insurance – 4730 Table Mesa Dr # J100a, Boulder, CO 80305 – (303) 530-9599
Liberty Mutual Insurance – 2700 Canyon Blvd # 210, Boulder, CO 80302 – (303) 938-9221

Deciding on a car insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are claims handled at the agent’s location?
  • What insurance company do they write the most business with?
  • Do they make recommendations based only on price?
  • Do they regularly work with personal auto policies?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If you are a high risk driver, do they have special markets for your coverage?

Once you have answers to your satisfaction to your questions and a good coverage price, it’s possible that you found a car insurance agent that is a good match to service your policy.

Buying direct is an option

Local insurance agents are perfect for certain consumers, but you also have the option of buying Colorado car insurance from companies direct over the internet. Some specific companies like Allstate and State Farm who have local Boulder agents also give you the ability to quote and buy online, so keep that in mind as an alternative to contacting agents.

If you’re anxious about not having professional advice, this is a normal reaction for first-time shoppers. Online insurance companies provide access to licensed agents to help you decide which coverages are appropriate.

Are car insurance rates lower online? The answer to that question is complicated because there are a lot of things that determine the price you pay. It would make sense to think that a consumer who buys direct cuts out the agent as a middleman. But in most cases, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

If the best price is important to you, the most effective way to determine who has the best rates, online companies or local insurance agents, is to set aside time to compare rates from both. It’s not unheard of to actually get different prices from online quotes as compared to agent rates from the SAME company. But it’s difficult to know if the company’s rates are lower online or from an agent until you actually compare rates each way.

More information is located on the website for the Colorado DORA Division of Insurance through this link. Visitors are able to view agent and company licensing information, view a list of available companies, read enforcement actions against agents and companies, and find disaster information.

Boulder Colorado insurance agents

These articles may also be worth reading.

More quotes mean more savings

People leave their current company for a variety of reasons including high prices, unfair underwriting practices, an unsatisfactory settlement offer and lack of trust in their agent. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price while still protecting your assets.