Cheap Car Insurance in Denver, CO

LA Insurance agents will speak directly with you to understand your auto insurance needs and find the best policy for you based on your budget and situation. Our insurance agents will also deal directly with all of the insurance carriers, so you can avoid the inconvenience of the constant stream of phone calls from insurance salespeople.

In addition to navigation the long list of insurance carriers and different types of policies, our agents will also help you find ways to lower your auto insurance premiums.

Here are a few ways we try to lower your insurance costs:

We Shop Around on Your Behalf
Prices vary from company to company, so it pays to shop around. LA Insurance agents get at least three price quotes, but oftentimes we get upwards of six quotes from competing insurance companies.

The quotes requested by LA Insurance are from different types of auto insurance companies. Some sell through their own agents and others sell through independent agents who offer policies from several insurance companies.

LA Insurance is always trying to find you the best deal on auto insurance, but we don’t shop based solely on price. LA Insurance helps you pick an insurance policy and company based on a detailed conversation where our agents take the time to ask important questions about your insurance needs.

If You Haven't Bought a Car Yet, We Help You Compare Insurance Costs Among Different Models
Before you buy a new or used car, LA Insurance can help you compare insurance costs between different makes and models of cars. Car insurance premiums are based in part on the car’s price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurance companies offer discounts for features that reduce the risk of injuries or theft -- LA Insurance can help you find a car that will keep your car insurance premiums low. During this process, we reference information from the Insurance Institute for Highway Safety (www.iihs.org) in addition to getting actual quotes from insurance companies.

Pick a Plan with a Higher Deductible
An insurance policy's deductible is what you pay before the insurance policy starts covering costs. By requesting higher deductibles, you can significantly lower your monthly insurance premiums. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by up to 30%; increasing the deductible to $1,000 could reduce the premium by 40% or more. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

Consider the Age & Blue Book Value of the Vehicle
Consider dropping collision and/or comprehensive coverages on older cars and cars that don't have much resale/salvage value. If your car is worth less than 10x the premium, purchasing the coverage may not be cost effective and the smart move is likely to go with the minimum insurance coverage required by state law. You can find your car's value online at Kelley’s Blue Book (www.kbb.com). Also, always remember to review your auto insurance policy at the time of renewal to determine if your insurance needs have changed and if you should adjust your auto insurance coverage.

Buy your homeowners and auto coverage from the same insurer
Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce the rates for long-time customers. But it still makes sense to shop around! You may save money buying from different insurance companies, compared with a multipolicy discount.

Maintain a good credit record
Establishing a solid credit history can cut your insurance costs. Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims. To protect your credit standing, pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

Take advantage of low mileage discounts
Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who car pool to work.

Ask about group insurance
Some companies offer reductions to drivers who get insurance through a group plan from their employers, through professional, business and alumni groups or from other associations. Ask your employer and inquire with groups or clubs you are a member of to see if this is possible.

Seek out other discounts
Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. If there is a young driver on the policy who is a good student, has taken a drivers education course or is away at college without a car, you may also qualify for a lower rate.

The key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.

When you comparison shop, inquire about discounts for the following:

• Antitheft Devices
• Auto and Homeowners Coverage with the Same Company
• College Students away from Home
• Defensive Driving Courses
• Drivers Ed Courses
• Good Credit Record
• Higher deductibles
• Low Annual Mileage
• Long-Time Customer
• More than 1 car
• No Accidents in 3 Years
• No Moving Violations in 3 Years
• Student Drivers with Good Grades