How to get cheaper auto insurance?

Complete Guide to Getting Cheaper Auto Insurance

Why This Question Matters for Colorado and Utah Residents

Auto insurance premiums in Colorado and Utah outpace the national average, with local drivers often paying over $1,170 per year—sometimes much more—thanks to unique regional risks like hailstorms, auto theft, and rapidly changing population centers.

• Costs can be steep: Aurora drivers pay up to $3,565 per year for full coverage, while the average Northern Colorado premium is $1,171.
• Weather and theft risks: Hail events drive up comprehensive claims, averaging $4,800 per repair. Theft rates are surging, especially for popular models like Kia and Hyundai.
• Discount opportunities abound: Local carriers and independent agents help residents tap into real savings—like 18% for bundling policies, or 15% for telematics programs—making shopping around essential.

What Most People Get Wrong

Many drivers focus strictly on the monthly premium, missing important factors that can affect long-term costs—like policy limits, out-of-pocket deductibles, or the hidden impact of credit scores (which affect premiums by up to 92%).

Others stick with the same insurer for years without comparing new quotes or evaluating available discounts, leaving hundreds—sometimes thousands—of dollars on the table every year.

The Complete Picture

The key to lowering your auto insurance bill in Colorado and Utah is to look beyond price alone. Start with these proven strategies:

1. Compare quotes from several carriers—rates vary dramatically, with up to a 167% difference between the cheapest and priciest options for identical coverage.

2. Raise your deductible if you can afford a higher out-of-pocket expense in a claim. For example, increasing your deductible from $500 to $1,000 can shave off about $160 per year.

3. Bundle your auto coverage with home, renters, or motorcycle policies for an average 18% savings.

4. Participate in telematics or safe driving programs through your insurer—these tech-driven programs can cut premiums by 15% or more for safe habits.

5. Keep your credit score healthy. In Colorado, drivers with excellent credit can pay up to 92% less than those with poor scores; in Utah, credit is also a major pricing factor.

6. Ask about additional discounts, including defensive driving, multi-car, vehicle safety features, and affiliations (like military or alumni).

Ultimately, the best way to get cheaper insurance is to maintain a clean driving record, review your policy annually, and let an independent agent like FoCoIns compare options on your behalf. And remember: choosing better coverage, not just the cheapest, protects you from expensive surprises if an accident happens.

Making the Right Decision for Colorado and Utah Residents

Question 1: What risks am I actually facing where I live?

Colorado's hail corridor and Utah's winter weather create unique risks. Consider:

• Is your area prone to hailstorms, higher theft rates, or more frequent accidents?
• Are you regularly commuting on crowded highways (like I-25 or I-15) or parking in high-theft locations?

Question 2: How much can I afford to pay out of pocket if I need to file a claim?

Raising your deductible can reduce premiums, but be sure you can cover it in an emergency:

• If a $1,000 deductible saves $160 per year, is that a smart tradeoff with your budget?
• Do you have savings set aside, or would a high deductible put you at financial risk?

Question 3: Am I using every available way to reduce costs?

Don't leave money on the table:

• Ask about bundling, telematics, low mileage, defensive driving, or group discounts.
• Review your policy every year, and work with an advisor who knows Colorado and Utah market intricacies.

Planning with these questions ensures you're protected—without paying more than you need to.