Are you sick of overpaying and want cheaper car insurance rates in Denver, CO? Are you drained from scraping the payment together to make your car insurance payment? You're in the same situation as most other drivers in Colorado.

A recent car insurance study revealed that nearly 70% of customers kept buying from the same company for more than four years, and almost 40% of drivers have never shopped around. Many consumers in Denver could save up to $610 each year by just comparing rate quotes, but they underestimate the amount of savings they would get if they replace their high priced policy. You have multiple auto insurance companies to insure vehicles with, and although it's nice to be able to choose, more options can take longer to find the lowest cost provider.

Car insurance providers offering low-cost rate quotes in Colorado

The providers in the list below are our best choices to provide free quotes in Denver, CO. If more than one company is shown, we recommend you click on several of them to find the most affordable car insurance rates.

Insurance Cost Estimates for Popular Vehicles in Denver
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,108 $554 $92
Dodge Grand Caravan SXT $1,076 $538 $90
Dodge Ram Quad Cab Laramie 2WD $1,248 $624 $104
Ford Escape XLS 4WD $788 $394 $66
Ford Explorer XLT 4WD $888 $444 $74
Ford F-150 Lariat Crew Cab Harley 2WD $1,646 $823 $137
Ford Focus SEL 4-Dr Sedan $1,268 $634 $106
Ford Fusion Sport AWD 4-Dr Sedan $1,078 $539 $90
Honda Accord LX-S 2-Dr Coupe $1,224 $612 $102
Honda CR-V EX 4WD $914 $457 $76
Honda Civic LX-S 4-Dr Sedan $936 $468 $78
Honda Odyssey EX-L $1,422 $711 $119
Jeep Grand Cherokee SRT-8 4WD $1,008 $504 $84
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $952 $476 $79
Nissan Altima 2.5 4-Dr Sedan $1,244 $622 $104
Nissan Rogue S 2WD $876 $438 $73
Toyota Camry LE $1,052 $526 $88
Toyota Corolla XRS $894 $447 $75
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can revise insurance rates considerably.

Physical damage deductibles

The information below highlights how deductible selection and can impact GMC Acadia insurance rates for different age groups of insureds. The data is based on a single male driver, full physical damage coverage, and no discounts are applied.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance premiums for males and females

The illustration below illustrates the comparison of auto insurance rates for male and female drivers in Denver. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium on a Hyundai Sonata GLS.

Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Are you obtaining every discount?

Auto insurance is neither fun to buy or cheap, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you don't get every credit possible, you could be saving more on your auto insurance.Cheaper auto insurance with discounts

As is typical with insurance, most credits do not apply the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, it's just not the way it works.

Companies and their possible discounts are:

When quoting, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in Denver.

Find more affordable insurance with these tips

Lots of things are part of the calculation when pricing auto insurance. Most are fairly basic such as your driving history, but some are more transparent like where you live or your vehicle rating. Consumers need to have an understanding of a few of the rating criteria that help calculate the rates you pay for insurance. If you know what determines base rates, this empowers consumers to make smart changes that will entitle you to lower premium levels.

The itemized list below are just a few of the factors insurance companies consider when setting rates.

Local Denver insurance agencies

A lot of people still prefer to get advice from a local agent and doing that can be a smart decision Good agents will help you protect your assets and help file insurance claims. One of the great benefits of getting free rate quotes online is the fact that drivers can get the lowest rates and still have an agent to talk to. And supporting local agents is important particularly in Denver.

Insurance agency in DenverFor easy comparison, once you complete this simple form, your insurance coverage information is submitted to local insurance agents who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered immediately to your email address. If for some reason you want to get a price quote from a specific insurance company, just go to their quote page and fill out their quote form.

Picking an provider should include more criteria than just the bottom line cost. Get answers to these questions too.

Auto insurance claim statistics

Which are the best vehicles for low claims? The tables below list the highest and lowest manufacturer models for overall likelihood of having claims for each type of coverage.

Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Granturismo
GMC Sierra 2500 BMW M6
Smart ForTwo BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Infiniti QX50 Audi S7
Nissan Leaf Bentley Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Hyundai Accent
Audi A4 Allroad Mitsubishi Lancer
Chevrolet Silverado 3500 Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 2500 Kia Forte
Ford F-350 SuperCrew Chevrolet Spark

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Audi A6 Kia Rio
Volvo XC60 Chevrolet Sonic
Mercedes-Benz SL Class Mitsubishi Lancer
Acura MDX Mitsubishi Mirage
Fiat 500 Chevrolet Impala
Subaru Forester Chrysler 200

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Nissan GT-R
Nissan Xterra Bently Continental GTC
Mini Cooper Maserati Granturismo
Chevrolet Colorado BMW M6
Jeep Wrangler Maserati Ghibli
GMC Canyon Ferrari 458

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You can find cheap coverage

You just learned a lot of tips how to shop for car insurance online. The most important thing to understand is the more companies you get rates for, the better chance you'll have of finding the cheapest Denver car insurance quotes. You may even find the best price on car insurance is with a small mutual company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate and Progressive.

When getting Denver car insurance quotes online, you should never skimp on coverage in order to save money. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

To learn more, link through to the following helpful articles: