Another great thing about Pueblo insurance is you can get discounts! Lots of different discounts! Get ahold of your insurance carrier today to see what you may be eligible for as far as discounts.

Some of the great ones that have a high impact on your rates are auto pay, having no accidents or violations, and an advance quote. Some other great ones, if you are a young or older motorist, having a multi-policy and multi-vehicle, an education discount, military, and marriage status.

Let us look at the chart below and see some of the popular ones that may be available for you in Pueblo, CO.

Impact on Rates	Discounts Available
Mild	Paperless Discount
High	Auto Pay
Mild	Military
Mild	Multi Policy
High	No Accidents or Violations
Mild	Education Discount
High	Advanced Quote
Mild	Multi Vehicle
Mild	Married

Pueblo Auto Liability Insurance Rates: What You Need to Know

Pueblo, Colorado, may be a smaller town, but having the right auto liability insurance with same day coverage is crucial, thanks to thorough underwriting processes. In Colorado, the average cost of liability insurance is around $520.04 per year, which breaks down to approximately $43.00 per month. For full coverage, the average annual cost is about $939.52, or $78.29 per month. Pueblo insurance rates may seem higher due to the town’s population density, leading to more accidents and claims. Ensuring you have adequate liability coverage is essential for protecting yourself on the road.

Liability Insurance Rates in Pueblo	Liability State Average
$479.00	$510.15

Full Coverage Insurance in Pueblo	Full Coverage CO Average
$860.00	$934.59

How Your Credit Score Impacts Auto Insurance Premiums in Pueblo

Like with many other things in life, your credit is a big deal when it comes to your auto insurance rates. Your Pueblo insurance carrier is still wanting to see how good of a record you have with your credit status, so they will know if they are at a higher risk for insuring you or not. For instance, if they see your credit score is not that great, they may consider you not as reliable and more likely to file claims.

The chart below shows what your auto rates could look like depending on your credit score in Pueblo, CO.

Credit Impact on Insurance Rates in Pueblo, Average Premium by Score	Price (Average)
Excellent	$130.98
Good	$147.59
Average	$177.71
Poor	$251.34

SR22 Insurance Rates in Pueblo

SR22 is commonly mistaken as an insurance policy. It is a certificate proving that you are carrying the required amount of coverage by the state and serves as proof of insurance. This document is filed in the state by your insurance carrier when you purchase it. Typically, you will need to carry the SR22 for about 6 months. The table below shows which carriers offer it and how much.

Below is the amount company adds to the Pueblo insurance 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

What to Know When Shopping For Cheap Pueblo Insurance for Auto

When purchasing auto insurance, Pueblo residents need to be aware of what the law requires, including the need to carry proof of insurance at all times. Liability coverage is required in case the vehicle damages property or harms someone.

Colorado State Insurance Requirements

When purchasing auto insurance, Pueblo residents need to be aware of what the law requires. Liability coverage is required in case the vehicle damages property or harms someone.

The legal minimum of $25,000 per person and $50,000 per vehicle for each accident is considered by many legal experts to be less than adequate.

In addition, a fee to cover the expenses in case an accident occurs with an uninsured or under-insured motorist is also required. Not required is the medical payments coverage. However, it needs to be noted because the state of Colorado requires insurance agencies to offer it to all clients. Customers will need to request for it to be removed from their policies if they do not want this coverage.

In Pueblo, most banks will require that any vehicle that is being used as collateral or does not have a clear title, have additional coverage along with the coverage the state requires. This includes collision and comprehensive coverage, so the vehicle is insured no matter what causes damage to it.

The coverage should always be enough to pay off the outstanding balance of the loan as well as cover any other expenses that may be incurred in the accident. Gap insurance is an important optional choice that should be considered if the vehicle has been recently purchased because it can cover the difference that often exists between what the value of the vehicle is, and what is actually owed on it.

Since January 1, 2016, to October 17, 2017, there have been 479 fatalities due to auto accidents in Colorado.  191 of those deaths are in Region 1.  So why do you need auto insurance, it’s simple. First it is the law, second, you never know what might happen when you are out on the roads.

One overlooked protection is against theft. Even though Colorado has been initiating awareness campaigns about car theft, it is still a common problem. In addition to whether or not theft protection is included, it is important to know if leaving the vehicle unlocked or leaving keys in the vehicle may affect the claim in any way. Not all insurance companies will cover damage to a stolen car if the owner left the keys inside the vehicle.

Not all free quotes are the same, but finding the right one can make purchasing insurance fast and easy, with options like same day coverage, so always take the time to read through each before making a decision. Online rates may seem cheap until it is discovered they are short on coverage and require enormous deductibles before they will cover any damage. Some companies do not require a lot of information before they provide a quote.

While this may seem to be a time-saving feature, it is not necessarily going to provide the most accurate quote. Taking the time to provide genuine information about the vehicle, how it is used and any blemishes on the driving record of those who will be using the vehicle will give a more accurate picture of what to expect for a final policy cost.

By understanding the basics about auto insurance, Pueblo drivers can be certain they have enough to cover any expenses should an accident happen. This protection is important because it can make it possible to repair damage, replace vehicles and cover medical bills as needed. Pueblo auto Insurance agents are happy to answer any questions their clients may have about the items on their policies, provide exceptional customer service, and make suggestions about ways to save money.

Pueblo Home Insurance

Offering Car, Home, and motorcycle coverage to the residents of Pueblo. Fast, Friendly Rates in Minutes.

Pueblo is located 35 minutes south of Colorado Springs, Colorado and about 1 hour and 45 minutes south of Denver, CO.   Originally Fort Pueblo, the city was incorporated around 1870.  Many of the people who live there enjoy the smaller city size.  

Pueblo is the Eighth Largest City in Colorado.  

Filled with drivers of all kinds, both young and old, Pueblo has multiple different needs.  At A Plus, we understand the various needs people to have for insurance in CO.  Whether it is a standard auto & car policy, or an auto policy bundled with a home, or simply a pleasure policy for motorcycles, we have a variety of options to fit different needs.

Our agency offers mono-line auto coverage as well as monoline homeowners insurance.  We can cover toys such as motorcycle insurance, a.t.v, coverage.  Even boat and personal watercraft coverage for those enthusiasts who like to play in Pueblo Reservoir.  We offer tons of discounts to help in this tough economic time.  These discounts include, but are not limited to, homeowners, multiple policies, good student, safe driver, accident-free, violation free, paid in full, and paperless.  And for those drivers who need additional filings such as an SR-22, we can accommodate those as well.  So, give us a call or visit us online.

Pueblo Insurance for Young Drivers

---

Insurance for young drivers can be notably more expensive than for more experienced drivers, largely due to the increased risk of accidents among younger drivers. If you’re looking for insurance for young drivers in Pueblo, Colorado, or a similarly sized community, there are several strategies and considerations that can help manage costs while ensuring adequate coverage:

1. Understand Why Costs Are Higher

Young drivers, especially those under 25, are statistically more likely to be involved in accidents, leading to higher insurance premiums. Insurance companies, through their underwriting process, set prices based on risk assessment, and inexperienced drivers represent a higher risk.

Dairyland	$140
American Family	$145
Progressive Insurance	$147
Bristol West	$148
National General	$149
AssuranceAmerica	$152
Allstate	$155
USAA	$164
Liberty Mutual	$168
Acceptance RTR	$171
Geico	$171
Farmers	$172
GAINSCO	$174
21st Century	$175
The General	$176

2. Shop Around

Rates can vary significantly between insurance companies, so it’s essential to get quotes from multiple providers. Some companies specialize in or offer competitive rates for young drivers.

3. Look for Discounts

Many insurance companies offer discounts that can help lower premiums for young drivers. Common discounts include:

• Good Student Discounts: Often available to students who maintain a B average or higher.
• Defensive Driving Course Discounts: Completing a recognized driving course can sometimes lower rates.
• Safe Driving Apps and Programs: Some insurers offer programs that track driving habits and reward safe driving with lower premiums.
• Low Mileage Discounts: If the young driver doesn’t drive much, this can sometimes result in lower premiums.

Impact on rates	Discounts Available
Mild	Paperless Discount
High	Advanced Quote
Mild	Homeowners
Very High	Continuous Insurance
High	Paid in Full
Mild	Education Discount
High	No Accidents or Violations
Mild	Military
Mild	Multi Vehicle

4. Consider the Vehicle

The type of vehicle being insured plays a significant role in insurance costs. Generally, safer, moderately priced, and lower-powered vehicles are cheaper to insure. High-performance or luxury vehicles, on the other hand, can be significantly more expensive.

5. Adjust Coverage Amounts

While it’s crucial not to skimp on necessary coverage, there might be areas where you can adjust your policy to better suit your needs and budget. For example, higher deductibles can lower premiums, but they also mean higher out-of-pocket costs in the event of an accident.

FULL COVERAGE	$500 DEDUCTIBLE	$1,000 DEDUCTIBLE
National General	$145.00	$180.00
Bristol West	$160.00	$195.00
Progressive Insurance	$145.00	$180.00
Travelers	$145.00	$180.00
USAA	$155.00	$210.00
State Farm	$145.00	$180.00
Farmers	$140.00	$190.00
Allstate	$140.00	$190.00
AssuranceAmerica	$130.00	$175.00
Acceptance RTR	$175.00	$215.00
GAINSCO	$160.00	$180.00
Geico	$150.00	$185.00
Mendota Ins. Company	$135.00	$160.00
21st Century	$140.00	$170.00
State Auto	$145.00	$195.00
The General	$120.00	$160.00
American Family	$150.00	$185.00
Nationwide	$145.00	$185.00
Liberty Mutual	$145.00	$185.00
Dairyland	$175.00	$220.00
Safeco	$175.00	$220.00

---

6. Consider a Family Plan

Adding a young driver to a parent’s policy is often more cost-effective than the young driver having an individual policy. This can also make the young driver eligible for additional discounts based on the parent’s driving history and loyalty to the insurer.

7. Understand State Requirements

Colorado, like all states, has minimum insurance requirements. Ensure any policy meets these minimums and includes proof of insurance, but also consider the value of more comprehensive coverage to protect against significant financial loss in the event of an accident.

---

State	Minimum Coverage Requirements	Average Cost for Minimum Liability Coverage
Colorado	25/50/15	$510

---

8. Encourage Responsible Driving

Encouraging young drivers to maintain a clean driving record is crucial. Traffic violations and accidents can significantly increase insurance costs. Safe driving not only helps keep insurance rates down but, more importantly, keeps everyone safer on the road.

9. Regular Policy Reviews

Circumstances change, and so do insurance policies and premiums. Regularly reviewing your policy and shopping around at renewal, including assessing the underwriting criteria, can ensure you’re always getting the best deal.

10. Consider Telematics

Many insurers now offer telematics-based programs that monitor driving habits directly through a smartphone app or a device installed in the car. Safe driving habits can lead to lower premiums.

For young drivers in Pueblo or anywhere else, finding affordable car insurance requires a bit of research and effort, but with the right approach and excellent customer service, it can also be fast and easy. Balancing cost with the need for adequate protection is key, and taking advantage of discounts and smart policy management can lead to significant savings.

• Progressive Home & Auto Bundle: Offers significant discounts when you combine home and auto insurance. New homeowners can enjoy competitive rates, comprehensive coverage, and the added convenience of managing both policies through one provider. Call us at 1.888.445.2793 to get a quote.
• Dairyland Auto Insurance: Perfect for new homeowners who are also car owners, Dairyland offers flexible payment plans and a focus on high-risk drivers. They provide great coverage for your vehicle, and combining this with a homeowners policy can further reduce costs. Text Us to learn more about policy options.
• The General Insurance: Known for affordable auto insurance rates, The General also offers policies for new homeowners. This policy includes protection against property damage, personal liability, and even coverage for personal belongings. Call us at 1.888.445.2793 to check if you’re eligible for a bundle discount.
• National General Home & Auto Insurance: New homeowners can take advantage of customized policies that cover both home and auto, with savings up to 20% on premiums. This policy includes full coverage options, liability protection, and roadside assistance for your vehicle. Text Us for more information on National General policies.
• AssuranceAmerica Home & Auto Insurance: Specializes in affordable options for new homeowners and first-time car owners. AssuranceAmerica provides great coverage at competitive rates, with additional benefits like 24/7 claims support and online policy management. Call us at 1.888.445.2793 to see how much you can save.
• Bristol West Home & Auto Insurance: Offers a full coverage package that combines home insurance with auto insurance, featuring easy payment options, and flexible deductibles. Bristol West policies are ideal for new homeowners looking for comprehensive protection. Text Us for more details.
• Falcon Insurance Home & Auto Coverage: Provides budget-friendly policies for new homeowners, with customizable options to meet your specific needs. Falcon’s policies include liability coverage, personal property protection, and accident forgiveness on auto insurance. Call us at 1.888.445.2793 for a personalized quote.

[SGSR id=”7″]

Company Info: The following address is mailing only.

A Plus Insurance | Pueblo Insurance
140 W 29th St
Pueblo, CO 81008
Phone: (719) 404-1853

Additional Colorado Links
Auto Liability Insurance | Colorado
SR22 Insurance | Colorado
Motorcycle Insurance | Colorado
Homeowner’s Insurance | Colorado
Durango, CO Auto Insurance
Auto Insurance Rock Hill
Buena Vista, CO Car Insurance

Edit Article Information

Here you can edit the information about Pueblo Insurance.

• Explore auto insurance options with Pueblo Insurance.
• Learn about coverage and policies available.
• For inquiries or quotes, call us at 1.888.445.2793.

Last Updated on November 29, 2024 by Marlon Moss