Insurance Firestone

Firestone Insurance Rates

Carrier	Average Cost
Dairyland	$72
National General	$86
Progressive Insurance	$89
The General	$95
AssuranceAmerica	$105
Liberty Mutual	$110
Geico	$112
Mendota Ins. Company	$114
USAA	$116
American Family	$119
State Auto	$126
Bristol West	$130
Acceptance RTR	$133
Travelers	$137

When it comes to auto insurance rates, in most states, age and gender still affect the underwriting.

Age is a factor because many insurance companies feel that the older and more experienced you are, the less likely you are to get in an accident, therefore the less your rates end up being.

The younger you are, you are more inexperienced, so you are more of a risk to insurance companies.

Check out the chart below for rates in Firestone, CO by your age and gender.

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 Firestone: Your credit and how it affects your insurance premiums

Even if you think it’s unfair if gender is a factor in your insurance rates…it’s nothing compared to the affect that your credit score has.

Insurance companies are going to look at your credit score…there is no way out of it. Depending on how good or bad it is determines if they consider you to be a good client for them that is dependable or not.

If you see the chart below it shows average premiums in Firestone, CO by credit score.

Credit Score Level	Average Insurance Rate
Excellent	$111.00
Good	$125.08
Average	$150.60
Poor	$213.00

Insurance Firestone: Insurance company ratings AM best and JD Power

Customer service is a particularly important thing when it comes to business ratings.

When choosing an auto insurance company, you have lots of options out there. So, when it comes down to it you are going to want to choose the one with the better ratings. We made up a list of insurance companies in Firestone, CO, and their ratings.

Insurance Company	J.D. Power Claims	A.M. BEST RATING
Progressive Auto Insurance	856	A+
USAA	900	A++
State Farm	878	A++
Automobile Club Group	857	A++
Travelers	865	A++
Amica Mutual	898	A+
American Family Insurance	857	A
Auto Club of Southern California Insurance Group	866	A+
Mercury	837	A
Farmers Insurance	865	A
The Hartford (AARP insurance)	873	A+
Nationwide	867	A+
Liberty Mutual Insurance	857	A

Insurance Firestone: How Much We save our Clients

One mistake that many people make when choosing their insurance company, is that they often settle too quickly without shopping around first for other rates.

However…that’s where we come in…

We have the expertise and the software to search through at least 13 different insurance companies to compare rates. A Plus Insurance prides itself for being low pressure too, so if you don’t hear a quote you are happy with…that’s ok! Just give us 15 minutes to try.

New Customers in Firestone, Colorado Save on Average

$592.55

Number of Eggs you could buy	5407
Pound of bananas you could buy	1157
Pound of Potatoes you could purchase	853

Progressive Vs. Geico

If you choose your insurance company based on their mascot…maybe you should let us help you out…

Firestone Insurance Rates: Liability and Full coverage

Liability insurance coverage is required in the state of CO.

The liability rates required is 25/50/15.

In Firestone, CO we wrote out the average annual Rates compared to the state of CO average. Just liability alone in Firestone, CO runs about $474.44 and average annual for Full Coverage is around $869.17. Contact your agent today for more information.

Liability Insurance rates in Firestone	Liability State Average
$474.44	$510.15

Full Coverage Insurance in Firestone	Full Coverage CO average
$869.17	$934.59

Insurance Firestone: Weather and driving Conditions

As with the rest of the gorgeous state of Colorado, Firestone is no different when it comes to the great weather!

You can expect about 36 inches of snow a year and about 15 inches of rain. You can enjoy the summer weather in July with a high of 98 degrees and the winter time hits about January with a low of 13 degrees.

Why is weather even something to consider when it comes to insurance?

If a location is known for a high amount of weather events such as forest fires, flooding, tornadoes, etc., this means the insurance company is likely to pay out on more claims(if damage is done to your home or auto), therefore rates might be higher in that area.

Firestone, Colorado
Summer high: The July high is around 98 degrees
Winter Low: The January low is 13 degrees
Rain: 15 Inches of rain a year
Snow: 36 inches of snow per year

Insurance Firestone: Top 10 vehicles we insure

We insure so many types and models of vehicles so we formulated a list of the top 12 vehicles in Firestone, CO.

Hyundai is the number one vehicle there followed by Nissan and Honda.

Acura got the number 10 spot.

Even if you do not see your model here, we still insure it! Contact your agent today and see how we can help you.

1	General Motors
2	Hyundai
3	Ford F-Models
4	Volkswagen
5	Mazda
6	Cadillac
7	Subaru
8	Nissan
9	BMW
10	Jeep
11	Chevrolet
12	Honda

How Violations Affect Your Firestone Insurance Rates

More factors that play a major part in your auto insurance rates are violations. If you are a motorist om Firestone, CO there are lots of violations out there, some are major, and some are minor. The major violations can stay affecting your insurance rates for 5-10. What are they? If you look at the list below its shows some violations and how long they can affect your rates.

Violation or Claim Type	Classification of Violation	How Long it will Affect Your Rates
No Proof of insurance	Non Moving	NA*
Failure to maintain Clear Distance (tailgating	Minor	3 Years
Non-At-Fault Acccident	Minor	NA*
Crossing over a Center Divider	Minor	3 Years
Failure to Yeld	Minor	3 Years
Failure to Use a Seat Belt	Non Moving	NA*
Failure to Stop for a Pedestrian Side walk	Minor	3 Years
Parking	Non Moving	NA*
Reckless Driving	Major	5 Years
DUI	Major	10 Years
Improper Lane use	Minor	3 Years
Using a Cell Phone with Driving	Minor	3 Years

Insurance Firestone: Rating Factors

If you are a motorist in Firestone, CO you may wonder what rating factors impact your auto rates.

Some of the popular ones are your gender, age, driving and credit history, claims history and your location. There are a few more than what we just named. If you check out the chart below it shows some factors and what kind of impact it has on your rates.

Factor	Rate Impact
Factor	Rate Impact
lien holder	None
Profession	Low
State Requirements	Medium
How many drivers per vehicles listed	medium
Credit history	High
Driving record	High
Major Violations (DUI,DWI,etc)	High
Anual Mileage	Low
Location	Medium
Type of Vehicle Coverage	Medium

Insurance Firestone: SR22 Insurance in Colorado

SR22 is a certificate of proof that you are carrying auto insurance. Now, not every auto insurance companies offer SR22. If the company does, there is a filing fee for it.

We have listed some auto insurance companies in Firestone, CO and how much their filing fee is and if they even offer it.

Insurance Company	SR22 Filing 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

Firestone Discounts

Everybody loves discounts! What is even better is that you can get discounts on your auto insurance. What kind of discounts could you be eligible for?

Get ahold of your agent today and they can tell you which discounts you may qualify for. We have listed a few popular companies in Firestone, CO, and what kind of discounts they offer.

Assurance America Discounts	Bristol West Discounts
No Accidents or Violations	Homeowners
Multi Vehicle	Multi Policy
Paid in Full	Paid in Full
Auto Pay	Auto Pay
Continuous Insurance	Married
Married	Multi Vehicle
Homeowners	Continuous Insurance
–	No Accidents or Violations
–	Advanced Quote

Are there any questions we didn’t answer here? Just give your Firestone Insurance agent a call and we are happy to help!

Insurance Firestone Facts and Myths

Facts:

1. Legal Requirement: In most places, auto insurance is legally required for drivers. This insurance typically includes liability coverage to pay for damages and injuries you cause to others in an accident.
2. Types of Coverage: Auto insurance policies typically include several types of coverage, such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) or medical payments coverage.
3. Premium Determinants: Insurance premiums are determined by various factors, including your driving record, age, gender, location, type of vehicle, annual mileage, and credit score in some cases.
4. Discounts Available: Most insurance companies offer discounts that can help lower your premium. These discounts may be based on factors such as safe driving habits, completion of defensive driving courses, bundling multiple policies, or having certain safety features installed in your vehicle.
5. Coverage Limits: Auto insurance policies have coverage limits, which represent the maximum amount the insurance company will pay for covered losses. It’s essential to choose coverage limits that adequately protect your assets and financial well-being.

Myths:

1. Color of Car Affects Premiums: Contrary to popular belief, the color of your car does not directly impact your insurance premium. Insurers determine premiums based on factors like the make and model of the vehicle, its age, safety features, and the driver’s personal information.
2. Minimum Coverage is Always Sufficient: While state laws mandate minimum coverage requirements, this may not be enough to protect you adequately in the event of a severe accident. It’s crucial to consider your assets and potential liabilities when determining your coverage limits.
3. Insurance Follows the Driver, Not the Car: In most cases, auto insurance primarily follows the vehicle, not the driver. This means that if someone else drives your car and gets into an accident, your insurance typically covers the damages.
4. Full Coverage Means Everything is Covered: “Full coverage” is a term often misunderstood. It usually refers to a combination of liability, collision, and comprehensive coverage. However, it may not cover every possible scenario. For example, it may not cover items stolen from your car.
5. Insurance Doesn’t Cover Rental Cars: Many auto insurance policies include coverage for rental cars, but it’s essential to check your policy or consult with your insurer to understand the specifics of your coverage.

Last Updated on March 26, 2024 by Marlon Moss