Comparing auto insurance companies in Golden, CO can be challenging because choosing the right Golden car insurance agent is harder than just driving to the closest agent’s office. Consumers require a highly trained agent, and also want to find affordable rates.
Lots of car insurance agents contend for your insurance dollar, so it can be very hard to choose a auto insurance agent and uncover the absolute lowest price
Car Insurance from Golden insurance agents
Good agents are trained to spot inefficiencies and help you file claims. The biggest benefit of getting online price quotes is that you can obtain the best rates but also keep your business local.
For easy comparison, once you complete this simple form, your information is emailed to local insurance agents in Golden who will compete to get your business. You never need to leave your computer because quoted prices will be sent directly to your email. Now that’s easy!
Selecting an insurance agency needs to be determined by more than just the premium amount. These are valid questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the companies they represent have a solid financial rating?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- What insurance company do they write the most business with?
- Does the agency provide any after hours assistance?
- Is working in the agency their full-time job?
Insurance agent types
When researching local Golden agents, there are two types of insurance agents that differ in how they can insure your vehicles. Golden agents are categorized either captive or independent. While both can properly insure your vehicles, but it’s worth learning how they are different because it can impact your selection of an agent.
Captive Agents
This type of agents have only one company to place business with such as Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so they have no alternatives for high prices. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes choose to use a captive agent partially due to the brand legacy and strong financial ratings.
Shown below are Golden captive agents willing to provide price quotes.
- State Farm Insurance – 112 N Rubey Dr # 110 – Golden, CO 80403 – (303) 384-0777
- Allstate Insurance – 1111 Washington Ave # 215 – Golden, CO 80401 – (303) 278-3944
- Farmers Insurance Group – 2101 Ford St # 1 – Golden, CO 80401 – (303) 279-5054
- American Family Insurance – 12970 W 20th Ave # D – Golden, CO 80401 – (303) 274-2431
Independent Agents
Independent agents are not locked into one company but instead can place your coverage with any number of different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When comparing rates, it’s recommended you include price quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with smaller regional carriers who may have lower rates.
Below is a short list of independent agents in Golden who can help you get price quotes.
- John P Weidemann Agency Inc – 12970 W 20th Ave # D – Golden, CO 80401 – (303) 274-1991
- Pei Insurance – 2575 Youngfield St – Golden, CO 80401 – (303) 237-1220
- Banks Insurance – 711 12th St – Golden, CO 80401 – (303) 279-7002
- Dustin Chalupa Agency – 112 Rubey Dr – Golden, CO 80403 – (303) 279-3006
For a full directory of auto insurance agents in Golden, please click here.
After getting satisfactory answers and locked in a price quote, you’ve probably found a car insurance agent that can properly insure your vehicles.
Online companies can help you save
Licensed agents are important, but Colorado drivers can also buy direct from companies that only sell online. Some companies who sell through agents in Golden also allow consumers to buy direct online, and online price comparisons are easy if you’re trying to lower your rates.
If you’re uncomfortable with selecting your own policy coverages when buying direct, don’t sweat it. Companies that require consumers to choose their own coverages all have toll-free customer service to answer your questions.
The best way to determine if local insurance agents or online providers are cheaper is to take the time to compare rates from both. It’s even possible to receive different pricing for the exact same company when they use both methods. But you can’t find out whether the best rates are online or from an agent unless you compare quotes for identical coverages each way.
Are online premiums lower? The answer is complex because there are many factors that determine the price you pay. It’s a logical assumption that purchasing direct online saves by not paying a commission. But the fact is, it’s expensive to advertise and this tends to eat up any savings.
Online resources for education
Additional detailed information can be found at the Colorado DORA Division of Insurance website. Colorado drivers can discover disciplinary actions, download brochures, file complaints about an insurance agent or broker, and find disaster information.
One last thing
People change insurance companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, policy cancellation and even delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.
As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
