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Colorado Car Insurance Discounts

If you want to get the best deal possible on your auto insurance in Colorado, you'll need to pursue any car insurance discounts you might be eligible for. Before you can do that, you'll need to familiarize yourself with the discounts that are commonly available in CO and get a good idea whether or not you qualify for them. Then, you can ask your insurance company or agent about them to make sure you pay premiums that are as low as possible.

Pursue Your Discounts

While it might seem like it should be the automobile insurance company's job to find out which discounts you qualify for and make sure they are applied to your policy, this is actually something you should take responsibility for yourself. Most car insurance companies will do their best to get you connected with as many discounts as possible. However, these companies handle tens of thousands of policies and it's easy for your discounts to slip through the cracks.

To ensure this doesn't happen to you, check your policy regularly. If it doesn't list the discounts that have been applied, contact your vehicle insurance company or your individual insurance agent. Ask them which discounts are part of your account and how much you are saving because of them. In addition, educate yourself about the car insurance discounts available in Colorado. If there are any that are not currently applied to your policy or that you have not heard about from your insurance company, ask about them.

Note that some automobile insurance companies will not offer every discount. If you feel like a particular discount might save you a lot of money, talk to a different insurance company if yours does not offer it. Get a quote from them that includes the discount you're interested in and see if you might pay less by switching car insurance companies. Be sure to get a quote before you cancel your current policy and decide to change insurance companies, as you'll want to make sure that switching will get you a better deal.

If you ask your Colorado vehicle insurance company to add a discount to your policy, be sure to contact them again, either within a couple of weeks or the next time you receive a renewal notice. Make sure that they added the discount you discussed. Pursue your discounts until you receive all that you are eligible for.

Auto Insurance Discounts

One of the most significant car insurance discounts you can receive in Colorado is for having a clean driving record. This means that you do not have any tickets, moving violations, or accident claims on file with the insurance company. Since having a clean record means that you are also less likely to cost the car insurance company money in the future, most places will offer you a discount. In addition, some automobile insurance companies will offer you a greater discount the longer you keep your record clean. Thus, you can save yourself even more money by continuing to be a safe driver.

Another important vehicle insurance discount in CO is reserved for young drivers who maintain a certain grade point average or higher. Students who are responsible in school and get good grades have been proven, statistically, as less likely to get into car accidents, and so will pay less for their car insurance. Each individual insurance company sets its own grade point average threshold, so talk to your company if you think you might have a student on your policy who qualifies.

Some different features of your vehicle can also garner you automobile insurance discounts. You may be eligible for these if your vehicle has a certain safety rating, is considered low profile, or has certain anti-theft and/or safety features. A low profile vehicle is one that is less likely to be stolen, and you will need to contact your individual car insurance company to see if yours qualifies. Each individual company also determines the safety rating and features they will give a discount for, though the safety features usually include things like multiple airbags and anti-lock brakes and the anti-theft features often encompass all the different types of car alarms.

Taking a defensive driving course can also aid you as you pursue car insurance discounts in Colorado. Some insurance companies will offer a discount to any driver who takes one of these courses, while other companies will only offer them to new drivers who take a driver's education course or older drivers who take a course geared specifically toward the problems that aging can cause for driving.

Keeping your overall mileage low might also make you eligible for a discount on your vehicle's insurance. Because maintaining low mileage means you are on the road less, it also means that you are less likely to be in a car accident. Thus, some companies will offer you a discount if you don't driver very much. Talk to your individual company for the exact mileage you must be under to qualify.

Your profession or any groups or associations you belong to can also help you get an car insurance discount. Some companies offer discounts to members of particular professions, like police officers, fire fighters, teachers or members of the military. Other companies have worked out deals with hobbyist groups or professional associations to offer discounted rates to any members of that organization. Check with both your automobile insurance company and any groups you belong to if you want to know if this is an option for you.

Finally, you can get some discounts based on your relationship with your car insurance company. If you have multiple kinds of policies with the same company, you may be eligible for a discount on one or more premium. Many of the larger, national companies offer not only car insurance but homeowners' insurance, renters' insurance, life insurance, and even health insurance. If you're interested in purchasing one of these other types of policies anyway, see if your car insurance company offers a deal like this.

In addition, sometimes you can get a discount for having multiple cars and/or drivers on the same car insurance policy, because you're giving the company more business. If you're going to insure these vehicles and drivers anyway, find out if you can save money but putting them all on one policy.

Your insurance company might also knock a couple percentage points off your vehicle insurance rates if you are a long-term policyholder with the company or if you pay your premium in full instead of on a monthly basis. Not all automobile insurance companies offer these discounts, so ask about them if you're not sure.

Armed with knowledge about how to pursue your car insurance discounts and which ones are available in Colorado, you are in a good position to talk to your car insurance company and try to negotiate a better deal. If you cannot, it might be worth your time and effort to get some new insurance quotes, to see if you can save money. Whether you end up staying with your original company or not, you can be sure that you did everything within your power to get the lowest automobile insurance rates possible in Colorado.



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