Being forced to pay for expensive car insurance premiums can take a big chunk out of your funds and maybe even restrict other spending. Price shopping at each renewal can lower your rates and help to reduce premiums and put more money in your pocket.

Insurance rates Chevy Traverse in DenverAstonishing but true, most car insurance customers kept their policy with the same company for more than four years, and 38% of customers have never shopped around. The average driver in Colorado could save almost 35% every year just by shopping around, but they just don't understand the large savings they would see if they moved their coverage to a different company. You have so many auto insurance companies to insure vehicles with, and although it's a good thing to have a selection, it can be more challenging to compare rates and cut insurance costs.

Finding the cheapest car insurance coverage in Denver can be much easier if you know how to start. If you are insured now, you will surely be able to save money using this information. Smart shoppers just need to use the best way to get comparison quotes from many different companies.

Lower Your Denver Insurance Prices

Multiple criteria are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although others are not quite as obvious like your continuous coverage or your commute time. A large part of saving on car insurance is knowing the rating factors that help calculate car insurance rates. If you know what controls the rates you pay, this allows you to make good choices that could help you find better car insurance rates.

The companies shown below are our best choices to provide free quotes in Denver, CO. If the list has multiple companies, we suggest you get price quotes from several of them to get the lowest price.

Chevrolet Traverse Insurance Cost Estimates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $130 $200 $286 $16 $86 $718 $60
Traverse LS AWD $294 $440 $314 $18 $94 $1,160 $97
Traverse LT 2WD $298 $368 $304 $18 $92 $1,080 $90
Traverse LT AWD $238 $388 $286 $16 $86 $1,014 $85
Traverse LTZ 2WD $350 $458 $392 $24 $118 $1,342 $112
Traverse LTZ AWD $192 $306 $280 $16 $84 $878 $73
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Denver which can revise insurance rates significantly.

Higher deductibles save money

The example below highlights how deductible choice and can impact Chevrolet Traverse insurance premiums for different age groups. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

Male drivers compared to female drivers

The example below illustrates the comparison of Chevrolet Traverse insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied.

Three good reasons to insure your Traverse

Despite the fact that insurance is not cheap in Denver, insuring your vehicle is not optional due to several reasons.

The benefits of carrying adequate insurance outweigh the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $855 a year so it's recommended you shop around every year to save money.

Don't overlook these Chevy Traverse insurance discounts

Insurance is not cheap nor is it fun to buy but discounts can save money and there are some available to help bring down the price. Certain credits will be shown when you purchase, but occasionally some discounts must be specifically requested in order for you to get them.Cheaper insurance with discounts

While discounts sound great, it's important to understand that some credits don't apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, that's just not realistic.

A few companies that have many of the previously listed discounts include:

Before buying, ask every insurance company the best way to save money. Depending on the company, some discounts might not be offered in your area. To locate providers with the best discounts in Denver, click this link.

Independent and exclusive car insurance agents

Some consumers prefer to buy from a licensed agent and doing that can be a smart decision Licensed agents are very good at helping people manage risk and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that drivers can get cheap rate quotes but still work with a licensed agent.

Find insurance agent in DenverTo make it easy to find an agent, after completing this form (opens in new window), your information is submitted to insurance agents in Denver who want to provide quotes and help you find cheaper coverage. You never need to drive around because prices are sent immediately to your email address. If for some reason you want to compare prices from a specific company, just find their quoting web page and submit a quote form there.

Finding the right company is decision based upon more than just a cheap price quote. Here are some questions you should ask.

If you would like to find a local Denver insurance agency, it's important to understand the different types of agents and how they differ in how they quote coverages. Agencies in Denver are considered either independent agents or exclusive agents depending on their employer. Both insure your vehicles properly, but it is important to understand why they differ since it may influence your agent selection.

Exclusive Agencies

Agents of this type have only one company to place business with and some examples include State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. Exclusive agents receive extensive training in insurance sales which can be an advantage.

Listed below is a short list of exclusive agencies in Denver that can give you rate quotes.

Tammy Hill - State Farm Insurance Agent
4650 Tower Rd Unit 101 - Denver, CO 80249 - (303) 373-9500 - View Map

4110 8th Ave - Denver, CO 80220 - (303) 388-4949 - View Map

4800 Happy Canyon Rd #230 - Denver, CO 80237 - (303) 781-1133 - View Map

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Independent Insurance Agencies

Agents that choose to be independent often have many company appointments so they can write business with an assortment of companies and possibly get better coverage at lower prices. If they find a cheaper price, the agent simply finds a different carrier and that require little work on your part. When shopping rates, we highly recommend that you include at least one independent agent in order to have the best price comparison.

Listed below is a list of independent insurance agencies in Denver who can help you get price quotes.

1735 E 17th Ave #3 - Denver, CO 80218 - (303) 388-7216 - View Map

2684 S Broadway - Denver, CO 80210 - (303) 282-8000 - View Map

1834 S Sheridan Blvd - Denver, CO 80232 - (303) 936-7233 - View Map

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Everyone needs different auto insurance coverages

When it comes to choosing coverage online or from an agent, there really isn't a one-size-fits-all type of policy. Everyone's needs are different.Higher deductibles save money

For instance, these questions could help you determine whether you would benefit from professional advice.

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 insurance agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and can provide invaluable advice.

Shop around and save

We just covered a lot of techniques to lower your Chevy Traverse insurance rates in Denver. The key concept to understand is the more times you quote, the better likelihood of getting cheaper Denver auto insurance quotes. Consumers could even find that the best rates are with an unexpected company.

More affordable insurance in Denver is possible from both online companies in addition to local insurance agencies, and you should be comparing both to have the best rate selection. A few companies may not provide online rate quotes and these regional carriers sell through independent agents.

Drivers switch companies for many reasons like delays in paying claims, denial of a claim, poor customer service or high prices. It doesn't matter why you want to switch switching companies can be pretty painless.

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