Most Popular Auto Insurance Carriers in Colorado
Below are the 10 largest auto insurance companies in Colorado (by market share).- 1. State Farm 19.0%
- 2. Farmers 9.5%
- 3. American Family 8.1%
- 4. Mid Century Insurance 3.9%
- 5. Progressive Direct 3.6%
- 6. Allstate Insurance 3.3%
- 7. USAA 3.2%
- 8. USAA Casualty 2.8%
- 9. Progressive Preferred 2.7%
- 10. Allstate Property and Casualty 2.6%
How to Find the Right Insurance Carrier for You?
Purchasing auto insurance is one of the biggest financial decisions you will make, and it pays to do your research and compare multiple quotes before selecting your policy and your provider. Here is our advice for how you can start your research to find the right insurance carrier for your needs.
Shop Around
Prices vary from insurance company to insurance company, so it pays to shop around. Experts advise consumers to get at least three price quotes before making a purchase decision. You can get in touch with companies or agents by phone or access quotes directly on the Internet by starting your insurance research at a site like QuoteLab.com. Your state insurance department or commissioner's office may also provide comparisons of average prices charged by major insurers licensed to do business in your state.
Financial Stability is Important
You buy insurance to protect your financial future and provide peace of mind in case of a major accident. So, it’s important to pick an insurance company that is financially stable. You can lookup the financial health of all major insurance companies with rating companies such as A.M. Best (www.ambest.com) and Standard & Poor’s (www.standardandpoors.com/ratings) and by consulting consumer magazines such as Consumer Reports (www.consumerreports.org).
Don't Forget About Service
Lastly, while price is important, don’t shop by price alone. Ask friends and relatives for their recommendations and their experiences filing claims with their insurance companies; it's traumatic enough when you're in a car accident, without having to worry about whether your insurance company will provide your with the high level of service you deserve. In addition to looking up user reviews on sites like QuoteLab.com and Consumer Reports, be sure to contact your state insurance department (or look on their websites) to see whether they have data on consumer complaints against the insurance companies you are considering.
We compared auto insurance quotes in the state of Colorado to identify the cheapest insurers and rates in each city. Across the 70+ cities in our analysis, the average cost to insure a car with basic liability protection was $1,359 a year - about $113 a month. While rates can vary based on where a driver lives, the biggest impact on costs is variability in companies’ quotes. The highest quote in one city, for example, was $1,758 or 29% higher than the cheapest car insurance company’s quote. This illustrates why consumers should always get quotes from at least three companies so they can compare. Read more about this below, or type your zip code above now to see a list of cheap companies operating in your area.
· Cheap Auto Insurance Companies in Colorado
· Cheap Auto Insurance in CO: by City
· Best Auto Insurance Companies in CO
· Average Cost of Car Insurance in CO: by City
Cheap Car Insurance in Colorado
The five companies with the cheapest car insurance rates in Colorado were: Grange, State Farm, American Family, Auto Owners and The Hartford. Together, the five cheapest companies in Colorado charged an average rate of $1,006 each year to insure a vehicle. Compared to the overall state average, these companies were 26% lower, on average.
This list is based on the companies’ average annual premiums for a sample 30 year old male motorist across 69 cities in Colorado. Just bear in mind that your actual quotes will be different depending on your characteristics and driving history. For more specific results, submit your zip code for a list of companies to begin comparing cheap car insurance quotes.
Company Yearly Rate
Grange Insurance Association $847
State Farm $967
American Family $1,025
Auto Owners $1,096
The Hartford $1,096
Allied $1,102
Progressive $1,160
Farmers $1,299
GEICO $1,497
Allstate $1,501
MetLife $1,596
Encompass $1,773
Colorado Farm Bureau $1,899
Unitrin $2,172
Find The Cheapest Auto Insurance Quotes In Your Area
Currently Insured? Yes No
Find Insurers
Cheapest Car Insurance in Colorado: by City
We’ll also take a look at how the cheapest rates and companies can vary across by city in Colorado. Often, where a driver lives and garages their vehicle heavily influences the insurance rates they see, and which companies have the best rates in that area.
This table below lists the three companies with the cheapest rates in 69 cities in Colorado, in alphabetical order. Yearly premiums are based on a single 30-year old male driver, so your actual quotes will be different and tailored to your insurance needs and circumstances. Next, we’ll provide more detail for a selection of cities in the Centennial State.
City Company Yearly Rate
Akron State Farm $972The Hartford $984
American Family $1,008
Alamosa Grange Insurance Association $744
State Farm $936
American Family $972
Arvada Grange Insurance Association $756
Auto Owners $1,008
State Farm $1,032
Aspen Grange Insurance Association $852
State Farm $948
Auto Owners $1,008
Aurora Grange Insurance Association $936
Auto Owners $1,044
State Farm $1,056
Bailey Grange Insurance Association $876
Allied $1,068
Auto Owners $1,104
Bayfield Grange Insurance Association $744
State Farm $936
American Family $984
Berthoud Grange Insurance Association $756
Auto Owners $876
Allied $912
Boulder Grange Insurance Association $756
State Farm $924
Auto Owners $960
Brighton Grange Insurance Association $804
Auto Owners $1,008
State Farm $1,044
Broomfield Grange Insurance Association $756
State Farm $936
Auto Owners $972
Brush The Hartford $912
State Farm $972
Auto Owners $1,008
Buena Vista State Farm $852
Grange Insurance Association $864
American Family $984
Burlington American Family $936
State Farm $972
Grange Insurance Association $1,008
Canon City State Farm $852
Grange Insurance Association $900
American Family $960
Carbondale Grange Insurance Association $852
State Farm $876
American Family $1,044
Castle Rock Grange Insurance Association $900
Auto Owners $984
The Hartford $996
Colorado Springs Grange Insurance Association $900
Auto Owners $984
American Family $1,032
Commerce City Grange Insurance Association $900
State Farm $1,056
Auto Owners $1,152
Conifer Grange Insurance Association $900
Auto Owners $1,104
American Family $1,116
Cortez Grange Insurance Association $744
State Farm $936
American Family $984
Craig Grange Insurance Association $744
Allied $888
State Farm $936
Delta Grange Insurance Association $744
State Farm $864
Allied $924
Denver Grange Insurance Association $1,080
State Farm $1,176
Auto Owners $1,200
Durango Grange Insurance Association $744
State Farm $936
American Family $984
Englewood Grange Insurance Association $864
Auto Owners $1,044
State Farm $1,068
Estes Park Grange Insurance Association $744
State Farm $888
American Family $984
Fort Collins Grange Insurance Association $756
Auto Owners $876
State Farm $888
Fort Lupton Grange Insurance Association $804
Auto Owners $864
State Farm $1,032
Fort Morgan The Hartford $936
State Farm $972
Auto Owners $1,008
Frederick Grange Insurance Association $804
Auto Owners $864
State Farm $924
Golden Grange Insurance Association $756
State Farm $1,032
Auto Owners $1,068
Granby Grange Insurance Association $756
State Farm $972
Auto Owners $1,032
Grand Junction Grange Insurance Association $636
Allied $864
State Farm $876
Greeley Grange Insurance Association $804
Auto Owners $864
State Farm $888
Gunnison State Farm $852
Grange Insurance Association $864
American Family $984
Holyoke State Farm $972
The Hartford $984
American Family $1,008
Johnstown Grange Insurance Association $804
Auto Owners $864
Allied $912
Julesburg The Hartford $936
State Farm $972
American Family $1,008
La Junta State Farm $912
American Family $936
The Hartford $996
Lafayette Grange Insurance Association $804
State Farm $924
Auto Owners $960
Lamar American Family $948
State Farm $972
Grange Insurance Association $1,008
Laporte Grange Insurance Association $756
Auto Owners $876
State Farm $888
Las Animas American Family $948
State Farm $972
Grange Insurance Association $1,008
Leadville Grange Insurance Association $852
State Farm $948
Auto Owners $960
Limon American Family $948
State Farm $972
Grange Insurance Association $864
Littleton Auto Owners $984
State Farm $1,008
Grange Insurance Association $756
Longmont State Farm $924
Auto Owners $960
Grange Insurance Association $756
Loveland Auto Owners $876
State Farm $888
Grange Insurance Association $744
Mancos State Farm $936
American Family $960
Grange Insurance Association $744
Montrose State Farm $852
Allied $924
Grange Insurance Association $900
Monument Auto Owners $984
American Family $1,032
Grange Insurance Association $744
Pagosa Springs State Farm $936
American Family $984
Grange Insurance Association $744
Paonia State Farm $864
Allied $924
Grange Insurance Association $864
Parker Auto Owners $984
State Farm $1,008
Grange Insurance Association $888
Pueblo American Family $1,128
Auto Owners $1,152
State Farm $852
Saguache Grange Insurance Association $864
American Family $984
State Farm $852
Salida Grange Insurance Association $900
American Family $984
Grange Insurance Association $852
Snowmass State Farm $948
Auto Owners $1,008
Grange Insurance Association $744
Steamboat Springs State Farm $948
Allied $996
The Hartford $960
Sterling State Farm $972
Auto Owners $1,008
Grange Insurance Association $744
Telluride State Farm $936
American Family $984
State Farm $912
Trinidad American Family $948
Progressive $1,008
Grange Insurance Association $852
Vail State Farm $948
Auto Owners $960
Grange Insurance Association $900
Westminster State Farm $936
Auto Owners $1,008
Grange Insurance Association $756
Wheat Ridge State Farm $1,032
Auto Owners $1,068
Grange Insurance Association $804
Windsor Auto Owners $864
State Farm $888
Grange Insurance Association $900
Woodland Park Auto Owners $1,020
Allied $1,044
· CAR INSURANCE COLORADO SPRINGS
& the entire state of ColoradoAt A Plus, our specialty is providing fast and friendly online insurance quotes. Not only carCar Insurance Colorado and auto but for home/homeowners, motorcycle, and SR22 in Colorado.Fast friendly agents get you the quotes you are looking for in a no pressure process that allows you to quote, buy, and print identification cards at your own pace.After you submit your information for an online car or auto quote, not only will your rates be delivered in seconds, but a live agent will be available, via the chat located in the bottom right of your screen or via phone at the top right of your screen, to help you choose your best option.Cheap/great rates for Car insurance in Colorado Springs and the entire state.Online agents will also be able to search additional companies that may not be available on our online quoting platform.
Some of the Companies we represent Progressive Auto, Travelers, Viking, A.S.I., Bristol West (via Farmers) Safeway and much more.
· LIABILITY INSURANCE
Min. liability limits are 25,000 for bodily injury per person 50,000 for bodily injury per accident 15,000 for property damage. There are other liability limit options that are available through the different carriers that we represent. Local residents have trusted us with their coverage needs for over 15 years. Our office is located downtown near the D.M.V. at:121 S. Tejon, Plaza of the Rockies, Colorado Springs, CO. 80903.Our office phone # is 719 392 4000.Call us today for quotes on your car.Quote #1: A Female age 51 who has no tickets or accidents living in Briargate seeking inexpensive quotes on a 2007 Chevrolet Silverado 2500 Extended Cab – with liability coverage at 100,000/300,000/100,000 in addition to adding uninsured motorist coverage. This Driver qualified for homeowners discount, paperless discount, and an advanced degree discount. The prior carrier was Geico. We shopped many companies and saved them $342 for vehicle Insurance. Notes: Low Deductible
· FINDING THE BEST QUOTES ON AUTO INSURANCE IN COLORADOWhen looking for auto insurance, car owners can go to individual companies to get separate quotes. This takes a lot of driving around and filling out multiple forms. Even going online to individual companies can be time-consuming. Putting the car owner’s personal information on so many forms can be risky. Going online to our site may be a more convenient choice. This site provides online quotes from many different auto insurance companies in a comparative form that is easy for the car owner to understand.
· INSURANCE QUOTE COLORADO SPRINGSWho Can Get a Driver’s Licenses And Auto coverage In Colorado?ProgressiveResidents who own a business, are gainfully employed, or have been in Colorado for 90 consecutive days can get licensed and insured. New residents have 30 days to transfer their out of state drivers licenses to Colorado. They have 90 days to register their vehicles. When visiting the driver’s licensing office be sure to take a valid out of state driver’s license, birth certificate, passport, military ID, or other valid identification proofs, proof of the driver’s social security number, proof of current address, and the application fee. If the vehicle is being registered the applicant must have the out of state registration forms and title for the vehicle, proof of converting the title to a Colorado title, proof of insurance and emissions, and the title and registration fees. Notice that drivers must have valid vehicle coverage in order to register and license vehicles. Also Get your Sr-22 insurance here.
· GET INSURANCE COVERAGE TODAY
Going to our website is an easy way to get comparable auto quotes from multiple Companies at one time. The vehicle owner goes to the site for Auto Insurance and fills out a simple questionnaire that tells the companies about them and their vehicles. This information is confidential and secure. The questionnaire will include information about the drivers such as age, driving record, claim history, area one lives in, vehicle make and model, the age of the vehicle, use the vehicle will be put to, and other pertinent information. This information is necessary for the different car insurance companies to determine what their quote will be. The website partners with many top companies practicing in Colorado to provide insurance quotes to those using the site.
· Can The Car Owner Get Additional Information from the site?
The car owner can fill out the forms on the website and submit them for multiple quotes. They can look at the quotes and then speak to an insurance agent on the phone for more information about individual Travelers Home Insuranceinsurance policies they are interested in. Drivers may have special circumstances that need to be addressed. Drivers may want additional information about policy coverage, company record of customer service, or other concerns. Phone numbers are listed on the site for customer convenience.The Advantages Of Using This Site When Looking For Auto coverage.Using a website that gives multiple quotes can save the driver time and money. Car owners can access the website at their convenience anytime day or night in the comfort of their home. Car owners will get quotes from many insurance companies that have already been vetted for quality coverage and dependability. There is safety in only having to give out personal information one time instead of many times to many agents. The car owner may not know all the possible auto insurance companies. The multiple quotes will be presented in a way that makes the rates and coverage easy to compare. For additional information, please refer to the website.
· WE MAKE GETTING INSURANCE IN COLORADO SPRINGS EASY.
New homeowner rates are in for two of our carriers. For your homeowners, call us at 719 392 4000.Review #1: Reed 0.23 -Amy is the best! I paid $66 for liability coverage. If you want an auto policy call her first!Wednesday, February 26, 2014, Review #2: Brandy M. 41 We have used A Plus for over six years for our whole family every car we drive is covered through them. I recommend them to everyone. Review #3: Mark L. 29 A Plus saved me $55 a month. I was with Geico. A Plus looked at several companies and put me with Progressive and bundled my homeowner’s coverage. I love these guys. Review #4 Sam S.19 I just moved to Fort Carson and had a hard time finding an agent. I am so glad I found them. They found me a great rate for my car.Types of coverage we specialize in Auto, Motorcycle, Home / Homeowners, Car &Truck, Full Coverage, Liability, and SR22 / SR-22 Seven out of ten times we can beat your current company including Geico.Other location: Alaska, Denver, Pueblo, South Carolina, Texas, Upstate South Carolina
Colorado Car Insurance—Before You Start Driving Here
Whether you're hitting the slopes or heading to the office, make sure you have valid Colorado car insurance when you drive in the Centennial State. Drivers who fail to show proof of insurance can face penalties upwards of $500, points added to their driving record, and in some cases suspended licenses and community service hours. Drivers are also required to show proof of insurance to the Colorado Bureau of Motor Vehicles in order to register vehicles. If you need car insurance or want to switch companies, you can get Colorado car insurance quotes online.
Ski Rack Requirements In Colorado
There are laws on vehicle height and driver visibility that could cause you to be pulled over by the police. When fastening skis and other equipment to the roof, drivers need to make sure there's no visual obstruction, like ski tips that could block the driver's view through any of the vehicle's windshields or windows. If you place a ski rack on a tall vehicle, like an SUV or van, take notice that the rack does exceed the state's maximum allowable height of 13 feet. Violations are subject to fines and surcharges.
Colorado Auto Insurance Minimum Requirements
Vehicle owners driving on Colorado roads are required to have at least the following minimum limits on their insurance policy:
· Bodily Injury: $25,000 per person, $50,000 per accident
· Property Damage: $15,000 per accident
· Uninsured Motorist: $25,000 per person, $50,000 per accident*
· Medical Payments: $5,000 per accident*
*Uninsured Motorist and Medical Payments can be rejected by signing an option form.
There are additional optional coverages that you may carry to better protect yourself and your vehicles. A GEICO insurance counselor can assist you in choosing the best coverage for your needs.
Colorado Teen Driver Licensing Process
For Colorado teens who want to get their license on their 16th birthday, they'll need to start driver's education before age 15. Colorado requires teens to have held a learner's permit for at least 12 months before applying for a Colorado driver's license. Colorado law prohibits drivers under 18 years of age from using a mobile phone while driving unless it is to contact the police, fire department, or it is an emergency. Drivers 18 and older may not use a mobile phone for text messaging while driving unless it's to contact the police, fire department, or it's an emergency.
The process for obtaining a driver's license varies depends on the driver's age:
· If you start at or before age 15 and 6 months, you must complete a 30-hour driver's education course before you can apply for a learner's permit (minimum age 15). Permit holders who have logged 50 hours driving time, completed a 6 hour behind-the-wheel training course, and have held their permit for at least 12 months can then apply for a driver's license.
· If you start between age 15 and 6 months up to age 16, you can either complete a 30-hour driver's education course or a 4-hour classroom driver awareness program to be eligible for a learner's permit. Permit holders who have logged 50 hours driving time (plus 6 hours behind-the-wheel training if you are younger than 16 years and 6 months when you apply for a license) and who have held their permit for at least 12 months can then apply for a driver's license.
· If you start at age 16 or 17, there are no prior driver's education requirements before being eligible to apply for a learner's permit. Permit holders who have logged 50 hours driving time and who have held their permit for at least 12 months can then apply for a driver's license. Additional 6 hours behind-the-wheel training is optional.
For the first year licensed driving is prohibited between midnight and 5 am, unless accompanied by an instructor, parent, or legal guardian.
No comments:
Post a Comment