Reader’s Question:

My mom, who is a senior citizen living in my home state of Colorado, needs to purchase automobile insurance. What should I tell her about finding low automobile insurance rates?

Denny

Denver, CO

Denny, there are several ways on how to seek low automobile insurance rates. You just have to always bear in mind these two questions:

The first one is: How does one get automobile insurance?

There are two ways. You can go online and surf the Internet. You can ask for free instant quotes when you go to the Web sites of different nationally or regionally accredited automobile insurance companies. This saves you much time, effort and money because you can just do everything in front of a computer. Just ask for the list of accredited agents and brokers from Colorado’s Department of Insurance.

You can also make use of the traditional ways. You could get a hold of the Yellow Pages and call several automobile insurance companies one by one, or you could require the services of an independent automobile insurance agent, who sells different policies from different companies, that will guide you through the whole process of buying car insurance. The advantage of this is that you get a feel that you are actually transacting with people, something that you do not get when you’re on the Internet.

Now, the second question is: How does one get low automobile insurance rates?

You should maximize the presence of discounts. For senior citizens, up to 10% discounts are available. You can ask for this from the automobile insurance broker. And since the automobile insurance is for your mom, might as well get discounts for female drivers to further reduce her premium. You might be surprised, but automobile insurance rates for female drivers are generally cheaper than males because they are statistically less hazardous on the road.

I hope I answered your question, and I hope you find what you are looking for.

Tags: auto insurance online, car insurance rate, Female Car Insurance, senior car insurance