- Liability And Full Coverage Rates In Widefield
- Top 10 Vehicles we insure in Widefield
- Other Types Of Insurance We Offer In Widefield
- Widefield Weather And Driving Conditions
- How Age And Gender Affects Your Auto Insurance Rates
- Insurance Companies We Represent in Widefield
- Your Credit And How It Impacts Your Insurance Rates
- SR22 Insurance Rates In Widefield
- Rating Factors Widefield Insurance
- Violations And How Long They Affect Your Auto Insurance Rates
- INSURANCE SERVICES WE OFFER
Liability And Full Coverage Rates In Widefield
When it comes to insurance on the vehicle you are driving, there are so many different types of coverages you can carry. It starts with the basic liability, which will protect whatever you are liable for. No one, or nothing in your vehicle. This type of coverage averages about $487.35 for the year. When we start to dive into vehicle coverages such as full coverage. This will protect the vehicle if you were to be in an accident with a deductible of course. The price on full coverage can average about $865.12 for the year for individuals. Generally, if you are financing a vehicle, full coverage will be the way to go.
| Liability Insurance rates in Widefield | Liability State Average |
| $487.35 | $510.15 |
| Full Coverage Insurance in Widefield | Full Coverage CO average |
| $865.12 | $934.59 |
Top 10 Vehicles we insure in Widefield
Car insurance pricing is a complex process now days. One of the factors within your power that adds to auto insurance premiums is the vehicle make and model you choose. The vehicles ranging from high-performance vehicles, luxury SUVs, sports cars, to the ones that have a low MSRP. The list below shows a variety of vehicles that we insure here in Widefield.
| 1 | Buick |
| 2 | Hyundai |
| 3 | Subaru |
| 4 | GMC |
| 5 | Mazda |
| 6 | Chevrolet |
| 7 | Jeep |
| 8 | BMW |
| 9 | Ford F-Models |
| 10 | Volvo |
| 11 | Nissan |
| 12 | Audi |
Other Types Of Insurance We Offer In Widefield
Here in Widefield Colorado, we offer much more than just auto insurance. If you have a motorcycle, moped, boat, home, RV or even have a business that needs liability insurance we are here to help. Also, a sublet product we also do carry is umbrella insurance. If there is something specific you are looking for to insure, please do not hesitate to give us a call to find out if we have a product that will fit your needs
| Type of Coverage | Our Top Companies |
| Home Insurance | Travelers, ASI, Foremost Star |
| Renters Insurance | ASI, Foremost |
| Boat Insurance | Travelers, Progressive |
| Car Insurance | Progressive, Dairyland, |
| Commercial Auto Insurance | Progressive |
| RV Insurance | Progressive, Travelers |
| Business Insurance | BTIS, Hiscox |
Widefield Weather And Driving Conditions
Weather conditions can have a huge impact on your ability to drive amongst other things. Extreme weather conditions can make a difference for Widefield Insurance. Especially if it mostly affects your ability to see, such as rain, fog, ice, snow, and dust. Here in Widefield some of the most challenging times of year is the winter season just as most other parts of Colorado. When driving, be sure to use precaution and wear your seat belt!
| Widefield, Colorado |
| Summer high: The July high is around 86 degrees |
| Winter Low: The January low is 18 degrees |
| Rain: 17 Inches of rain a year |
| Snow: 31 inches of snow per year |
How Age And Gender Affects Your Auto Insurance Rates
Amongst the many factors that impact insurance, your age and gender are some of the primary factors that will determine your rate. Gender will play a part because generally males will take more risks statistically, whereas a female will statistically not be as much of a risk taker. Age is also a factor for Widefield Insurance. Being a young youthful driver considers you are more at risk for accidents and or tickets. Ultimately, all factors have a huge impact on your rate.
| Age | Male | Female |
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
Insurance Companies We Represent in Widefield
We are licensed to work with 16 different insurance companies in Widefield, Colorado. This gives us the advantage to offer competitive rates that customers may not find going through a single company. Insurance rates depend upon the risk and each company is able to offer discounts for competitive rates. If a risk is considered too high for one company, it may be expensive, whereas another company may be cheaper.
| Widefield Insurance Companies in Colorado that we represent |
| The General |
| Bristol West |
| Suncoast |
| Best Choice |
| Mendota |
| ASI |
| Travelers |
| Safeway |
| Progressive |
| Gainsco |
| Assurance America |
| Orion 181 |
| Dairyland |
| Foremost Star |
Your Credit And How It Impacts Your Insurance Rates
Did you know your credit score impacts your insurance rate? The higher the credit, the better the risk for the insurance company. A person with Excellent credit pays roughly $138 whereas a person with poor credit, same vehicle, same driving history may pay upwards to $266 a month. Having good or excellent credit shows you can maintain and pay your bills on time which is favorable to insurance carriers.
| Credit Impact on Insurance rates in Widefield Average Premium by Score | |
| Excellent | $138.75 |
| Good | $156.35 |
| Average | $188.25 |
| Poor | $266.25 |
SR22 Insurance Rates In Widefield
The average cost of an SR-22 filing in Widefield, Colorado is a $25 flat rate fee per term. Dairyland does not charge for SR-22, while some companies do not even offer SR-22 insurance. SR-22 is simply an attachment that is added onto a policy that notifies the DMV you are carrying insurance. If a policy were to become cancelled, an SR-26 would then be sent out to notify the DMV of the cancellation.
| SR22 Insurance Rates in Widefield, Colorado | |
| Below is amount the amounts company adds to the premium to file the SR22 with the state. | |
| Company | Average (SR22 Fee) |
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gains Co | $25 |
| Mendota | $25 |
| Progressive | 5% (average) |
| State Farm | SR22 Not available |
| The General | $25 |
| Travelers | SR22 Not available |
Rating Factors Widefield Insurance
Rating factors are used to determine the premium for customers by assessing the risk of each individual. It is proven that married people drive safer than single people, therefore is used as a rating factor. Vehicle safety features, claims, and zip codes have a medium impact on the rating factors, whereas; credit and driving history have the highest impact. A customer with several accidents are considered high risk, and the rates will be more expensive.
| Factor | Rate Impact |
| How many drivers per vehicles listed | medium |
| Marital Status | Medium |
| vehicle safety features | Medium |
| vehicle performance (symbol) | Medium |
| Credit history | High |
| Driving record | High |
| Claims History | Medium |
| Location | Medium |
| How long have you owned the vehicle | Low |
| lien holder | None |
Violations And How Long They Affect Your Auto Insurance Rates
Violations are considered a high insurance rating factor when the insurance companies access the risk for their potential customers. Having several At Fault Accidents will make the rate significantly increase for an individual, versus just having a speeding ticket. At fault Accidents and reckless driving tickets are considered major violations and will stay on your record for 5 years. Smaller things like speeding, or improper lane use only stay on for 3 years for Widefield Insurance.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Non-At-Fault Acccident | Minor | NA* |
| No Proof of insurance | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Speeding | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
| Failure to Yeld | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Improper Lane use | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Lauren Mckenzie