Getting low-cost Denver Ford Fiesta insurance quotes on the web can be difficult for people new to shopping for insurance online. With more and more online companies available, how can people even start to compare each option to find better insurance prices?
Sadly, the vast majority of insurance customers renewed their policy with the same company for four years or more, and just under half have never shopped around. Denver drivers could cut their rates by up to $600 a year, but they don't know how much savings they would realize if they swap their current policy for a cheaper one.
Consumers need to compare rates once or twice a year since prices are adjusted regularly by insurance companies. If you had the lowest price on Ford Fiesta insurance in Denver a year ago you may be paying too much now. Ignore everything you know about insurance because you're going to learn how to use the internet to save on insurance.
How to find low cost Ford Fiesta insurance in Denver, Colorado
Most of the larger companies give price estimates direct online. Obtaining pricing for Ford Fiesta insurance in Denver doesn't take much effort because you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, their rating system obtains information on your driving record and credit history and generates a price based on these factors.
This makes it easy to compare insurance prices and it is imperative to compare as many rates as possible in order to get the lowest payment possible.
To quickly find out how much you're overpaying now, compare quotes from the companies shown below. If you currently have coverage, we recommend you copy the limits and deductibles identical to your current policy. This ensures you will have rate quotes using the same coverage and limits.
The following companies have been selected to offer price comparisons in Colorado. If several companies are displayed, we recommend you visit several of them to find the lowest car insurance rates.
Ford Fiesta insurance discounts in Denver
Auto insurance companies don't always list every discount they offer in a way that's easy to find, so the following is a list of both well-publicized and the more hidden discounts that may be available. If you're not getting every credit you deserve, you could be getting lower rates.
- Theft Deterrent Discount - Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and therefore earn up to a 10% discount.
- Life Insurance - Companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
- Policy Bundle Discount - If you have multiple policies and insure them both with the same insurance company you may save approximately 10% to 15%.
- Safety Restraint Discount - Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off PIP or medical payments premium.
- Denver Homeowners Pay Less - Owning a house in Denver can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
- Pay Now and Pay Less - If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.
- Paperwork-free - Some of the larger companies give back up to $50 for completing your application online.
- ABS and Traction Control Discounts - Cars and trucks equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
- Memberships - Affiliation with qualifying clubs or civic groups can get you a small discount on your policy.
- Switch and Save Discount - A few insurance companies offer discounts for switching companies prior to your current Fiesta insurance policy expiration. You could save around 10% when you buy Denver car insurance online.
As a sidenote, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, you're out of luck.
To view providers with discount rates in Denver, click this link.
Buying from car insurance agents
Some consumers still like to sit down with an agent and that is not a bad decision The biggest benefit of comparing rate quotes online is that you can find better rates and still have a local agent.
For easy comparison, once you complete this short form, your insurance data is instantly submitted to insurance agents in Denver that can give you free Denver car insurance quotes for your coverage. There is no reason to even leave your home because prices are sent straight to your inbox. You can find the lowest rates and a licensed agent to talk to. In the event you want to compare rates for a specific company, don't hesitate to navigate to their website and submit a quote form there.
Picking the best insurer should depend on more than just a low price. Any agent in Denver should be forthright in answering these questions:
- Which company do they place the most coverage with?
- Do they specialize in personal lines auto insurance in Denver?
- Can glass claims be handled at your home?
- Does the agent recommend any additional coverage?
- How much training do they have in personal risk management?
Independent or Exclusive: It's your choice
If you would like to find a reliable agent, it's important to understand the types of insurance agents and how they are slightly different. Insurance agencies in Denver are either independent agents or exclusive agents depending on their employer.
Exclusive agents write business for a single company like Farmers Insurance, State Farm, or Allstate. These agents are not able to place coverage with different providers so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only use the same agent partially due to loyalty to the company rather than low rates.
Below are Denver exclusive agents who can help you get rate quotes.
- American Family Insurance - Matthew Ditzenberger
1485 S Colorado Blvd #300c - Denver, CO 80222 - (303) 756-8038 - View Map
- Allstate Insurance: Paul Novak
3900 E Mexico Ave # 105 - Denver, CO 80210 - (303) 320-7859 - View Map
- Blanca Kerschen - State Farm Insurance Agent
4840 Chambers Rd b - Denver, CO 80239 - (303) 595-9000 - View Map
Independent Agents (or Brokers)
Agents in the independent channel are not restricted to one company and that gives them the ability to insure through many companies and help determine which has the cheapest rates. If premiums increase, they can switch companies in-house and you stay with the same agent.
When comparing rate quotes, you should always check rates from a few independent agents to ensure the widest selection of prices. Most can insure with companies that do not advertise much that may have much lower rates than larger companies.
Listed below is a list of independent agencies in Denver that are able to give price quote information.
- Bonnie Brae Insurance
179 S Colorado Blvd - Denver, CO 80246 - (303) 321-9300 - View Map
- Madison Insurance Group
600 S Cherry St #900 - Denver, CO 80246 - (800) 636-6185 - View Map
- A Complete Home and Auto Insurance Agency
44 Cook St #100 - Denver, CO 80206 - (303) 650-0060 - View Map
Your insurance coverage should be tailored to you
When quoting and comparing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. You are unique and your insurance should unique, too. These are some specific questions might point out whether your personal situation will benefit from professional help.
- How high should my uninsured/underinsured coverage be in Colorado?
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered if I hit a deer?
- How much liability do I need to cover my assets?
- What states are considered no-fault?
- What does medical payments coverage do?
- Is a driver training discount available?
- Where can I find high-risk insurance?
- If I drive on a suspended license am I covered?
- How do I buy GAP insurance?
If you don't know the answers to these questions, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier
Why you need insurance
Despite the high insurance cost for a Ford Fiesta in Denver, buying insurance may be required and benefits you in several ways.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you took out a loan on your Ford Fiesta, almost all lenders will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Ford for a lot more money and force you to pay for it.
Third, insurance protects your car and your assets. Insurance will pay for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your Fiesta greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays more than $825 a year so shop around at every renewal to help ensure money is not being wasted.
What car insurance coverages do you need?
Having a good grasp of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types available from car insurance companies.
Uninsured Motorist or Underinsured Motorist insurance - This coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. It can pay for injuries to you and your family and damage to your Ford Fiesta.
Because many people only purchase the least amount of liability that is required (25/50/15), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Auto liability - This will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn't cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/15 that means you have $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $15,000.
Liability coverage protects against things such as loss of income, funeral expenses and structural damage. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying better liability coverage.
Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from flooding, rock chips in glass and hitting a deer. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Collision coverage - This will pay to fix damage to your Fiesta from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like colliding with a tree, crashing into a building, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible on your Fiesta to save money on collision insurance.
Insurance for medical payments - Med pay and PIP coverage provide coverage for immediate expenses like hospital visits, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Persistent drivers can save
We covered quite a bit of information on how to compare Ford Fiesta insurance car insurance rates in Denver. It's most important to understand that the more you quote Denver car insurance, the better your chances of lowering your premium rates. You may even discover the most savings is with a smaller regional carrier. These smaller insurers may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive and GEICO.
Lower-priced Ford Fiesta insurance in Denver is definitely available both online and with local Denver insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not have rate quotes online and most of the time these smaller providers work with local independent agents.
Even more information can be found in the articles below:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- What if I Can't Find Coverage? (Insurance Information Institute)
- Understanding your Policy (NAIC.org)