When buying car insurance in Montrose, picking a good Colorado auto insurance agent takes more work than just randomly choosing from the yellow pages. You need a good agent that listens to you, and also cheap rates.
Lots of insurance agents contend to insure your vehicles, so it can be very hard to choose a car insurance agent to find the absolute lowest rate
Online price comparisons from Montrose agents
Educated insurance agents are trained to spot inefficiencies and help you file claims. The biggest benefit of getting online price quotes is you can get the best rates but also keep your business local.
Upon completion of this form (opens in new window), your insurance coverage information is sent to local insurance agents in Montrose who will give you bids for your coverage. There is no need to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy!
Picking a car insurance agent requires more thought than just a low price. Any agent should be forthright in answering these questions:
- What insurance companies do they work with?
- Does the agency have a good rating with the Better Business Bureau?
- Are claims handled at the agent’s location?
- Do they review policy coverages at every renewal?
- Are you getting all the discounts the company offers?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they specialize in personal lines coverage?
Independent or Captive: It’s your choice
When researching a good insurance agency, you need to know there are two different agency structures from which to choose. Agents are classified as either captive or independent. Either one can properly insure your vehicles, but it’s important to know how they differ since it can impact the selection process.
Agency Captives
Captive agents can only write with one company such as Farmers Insurance or State Farm. They generally cannot shop your coverage around so they have to upsell other benefits. Captive agencies are well schooled in insurance sales which helps them sell insurance even at higher premiums.
Shown below are Montrose captive insurance agencies willing to provide comparison quotes.
American Family Insurance – 315 S 12th St # 2 – Montrose, CO 81401 – (970) 240-2155
State Farm Insurance – 1020 S Townsend Ave # C – Montrose, CO 81401 – (970) 249-7551
Farm Bureau Insurance – 1122 N Townsend Ave – Montrose, CO 81401 – (970) 249-3436
Farmers Insurance Group – 118 N Cascade Ave – Montrose, CO 81401 – (970) 240-8670
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When shopping rates, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection.
Listed below is a short list of independent agents in Montrose willing to provide price quote information.
Farm Bureau Insurance – 1122 N Townsend Ave – Montrose, CO 81401 – (970) 249-3436
Claystar Agency – 3045 Aerotech Pkwy # 5 – Montrose, CO 81401 – (970) 249-5535
Homer L Sims Agency Inc – 901 E Main St – Montrose, CO 81401 – (970) 249-4712
Martin Agency Inc – 605 N 1st St – Montrose, CO 81401 – (970) 249-0102
Cambell Insurance – 1425 Hawk Pkwy # 6 – Montrose, CO 81401 – (970) 240-8900
To view a full list of car insurance agents in Montrose, simply jump to this page.
Upon receiving answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you may have just found an insurance agency that will properly insure your vehicles.
Online companies should get a look
Car insurance agents are a valuable resource, but you also have the option of buying from online companies direct. Some specific companies, such as Farmers Insurance and State Farm, who have local agents in Montrose also let you buy direct online, so that should be considered to possibly find a better rate.
If you’re uncomfortable with not receiving proper advice when shopping online, that is normal but is not a big issue. Companies that allow you to purchase coverage provide phone numbers and online resources for customer questions.
Do online companies have better rates? Whether or not you’ll save is impossible to say because there are so many things that impact your rate calculation. You may think that shopping online for auto insurance cuts out the agent as a middleman. But the reality is there are very high advertising costs and those expenses can offset most of the savings by selling direct.
Colorado insurance information
Additional detailed information is available at the Colorado DORA Division of Insurance website. Colorado consumers can read enforcement actions against agents and companies, learn about specific coverages, read state legal mandates and laws, and get help finding coverage.
Summing up your car insurance search
Low-cost car insurance is attainable online as well as from independent agents in Montrose, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.
