Getting an Insurance Quote in Brighton, Colorado
Gathering Required Information
Different sites may vary slightly, but this should give you a good idea of the topics that will be covered when filling out a request form.
• The names and addresses of each person who will be on your policy.
• A list of each vehicle to be insured.
• The VIN of each automobile to be covered.
• The driver’s license of each person.
• The address and name of any lienholders if the car is financed or leased.
• Employment histories may be required.
• Your current insurance policy.
• Traffic violations and accidents.
• An estimate of the number of miles each driver will drive to school or work.
Remember, it is very important that you supply accurate information. Not telling the truth about an old accident or tickets is usually discovered anyway, and it may cause you problems in obtaining any insurance if you’re not truthful.
Choosing Coverage Options
Before requesting a new insurance quote, now is a good time to reevaluate your insurance needs. For example, if you’ve recently married, changed jobs, increased the number of miles you drive or have moved, these factors could increase or decrease premiums.
The state of Colorado does require all drivers to carry liability insurance coverage for bodily injuries and property damages. If you’re driving an older vehicle, you might save some money by dropping coverage for collision or comprehensive.
Visiting an Insurance Comparison Site
Whenever you’re considering changing insurance companies, it’s smart to get three or more estimates. Check online for comparison sites that offer multiple quotes from various carriers for car insurance or motorcycle insurance. You only have to fill out one form on these types of sites and you’ll receive several back from multiple carriers, which really helps to speed up the process.
If you choose to fill out forms on individual carrier sites, it’s critical that you supply the exact same information and coverage details to compare costs accurately.
After receiving your information, it is worthwhile to research each insurance carrier to determine whether they have been in business for several years and have a good financial standing.
To compare, check the deductible amounts to see if they are the same, higher or lower. You’ll save money by increasing the amount of your deductible. Check each one to see what discounts are available. Bundling home and automobile coverage with one insurer is a good way to save. Check options for payments to find one that fits your needs.
Before buying your new car insurance policy, always read the contract carefully to make sure you haven’t overlooked anything.