Finding auto insurance can be complicated considering how many auto insurance carriers there are in Colorado and Littleton. You can elect to go three ways to get a policy started.1. Directly from the carrier- Often times this is Geico Insurance and Progressive Insurance as they are the leading advertising companies for auto insurance in Colorado and Littleton. This is a great way to get your policy set up, but there are downsides. Who is your agent after the policy is sold? Did they sell you the coverage that best fits your auto insurance needs? Claims? How are they handled? Who do you call when you have a problem, question, comment or concern.2. Through a captive auto insurance agency - State Farm and Allstate are examples of captive auto insurance carriers. They specialize in only one company. This means you only are sold one option with this carrier. Yes they have options to increase and decrease coverage just like the Direct auto insurance company but again only one rate. These companies are very well branded so you will recognize the auto insurance carrire in many cases. In essence, the auto insurance agent will represent the auto insurance carriers best interest and not necessarily yours. Are they selling you an auto insurance policy that best fits your needs or theirs?3. Independent Agency- One of the best options you will have is to contact a local independent insurance agency to set your auto insurance coverages up by quoting multiple auto insurance carriers. So, you get the following.

• A local Agent
• Multiple options for carrier premiums.
• Your best interest is at stake since the agent works for you.

The question that you may have is that will the independent agent be around after the sale? The answer is yes. Independent auto insurance agents make their commissions on your new business and renewal. If you do not renew your policy, they dont get paid. There are new technologies that allow local indpendent insurance agencies the ability to quote your auto insurance with multiple carriers within minutes and drive you a competetive auto insurance policy that fits your needs now and into the future.What happens if your rates go up with a direct writer or a captive agency? Well, they have to sell you different coverages to lower premium. They cannot go to another company to shop the rate. Local Indpendent auto insurance agencies can!!!!Thanks for reading this blog and please leave feedback.Rick Cline303-932-1700To get more information on how you can obtain an auto insurance quote from a local insurance agent quickly,CLICK HERE