Boulder Insurance

Cheap Car Insurance Boulder, Colorado

Boulder Auto & Home Insurance

How age and gender affect your insurance rates

Think about it… when was the last time age and your gender did not affect at least one aspect of your day? Your answer also applies to your car insurance. Women are statistically safer drivers than men. Studies have shown someone in their 50s drives safer than somebody who is 18. That is why when you are a female driver in your 40s you will have cheaper car insurance than a male who is in their 20s. Younger people are involved in more traffic violations and traffic accidents.

AgeMaleFemale
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

Weather and driving conditions

Did you know that insurance carriers take local weather conditions as a factor into reading your insurance rates? It is a fact that if you live somewhere that has less treacherous weather conditions your auto insurance rates will be cheaper. If you live in an area that is prone to hell storms insurance carriers are going to have to pay out to fix damage that occurs to all the vehicles in that area. Meaning car insurance rates will increase. Hail storms are just one example of weather conditions that Insurers use to rate your premiums.

Boulder, Colorado
Summer High: the July high is around 89 degrees
Winter Low: the January low is 21
Rain: averages 20 inches of rain a year
Snow: averages 28 inches of snow a year


We save our client in Boulder an average of $600.55

We want savings on everything we can! And you can even on your auto insurance policy. There are lots of ways we can save you money on your premium. Definitely shop around with different companies to get the best quote, the higher the deductible the better your rate can be, try bundling your insurance. Like if you have renters and auto, bundle them up and a good discount is if you pay in full for your insurance term.

New Customers in Boulder, Colorado Save on Average$600.55
Number of Eggs you could buy5415
Pound of bananas you could buy1157
Pound of Potatoes you could purchase853

Top 10 vehicles we insure in Boulder

No matter what kind of vehicle you drive, we want to help you find the best rate for you on your auto insurance! Call us today and we can give you a free and fast quote over the phone. We have put together a list of the top vehicles we help insure in Boulder, CO.

1Buick
2Chevrolet
3Dodge
4General Motors
5Honda
6Ford
7Volvo
8Lexus
9Hyundai
10Volkswagen
11Ford F-Models
12BMW

How Much is Car Insurance in Boulder, Colorado?

There are many reasons why people search for insurance in Boulder Colorado.  It could be to look for auto, homeowners, even on their motorcycles.   Insurance rates fluctuate based on many different factors.  These factors include, but are not limited to:

  • Zip Code
  • Age of the Driver (s)
  • Age of the Vehicle
  • Type of Coverage Selected
  • Driving History

It is important to have a good idea of what kind of coverage you would like to have when you are getting ready to shop for a policy.  Finding an agent that can shop different insurance carriers for you while answering your questions is a great start.  Feel free to contact one of our friendly, no pressure insurance agents via phone or online.  We look forward to serving you.

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.

Boulder, CO Safe Driving Techniques

Although it seems that each new model car has more creature comforts and surrounds you with luxury, a motorized vehicle is not a cozy reclining chair. It is a several thousand pound lethal weapons, unless you keep your eyes on the road, and notice everything thing around you. To protect your family, friends, and the public-at-large from harm or death, here are some safe driving techniques to help you return home alive, and reduce your car insurance premium.

Focus Only on Driving

Contrary to popular belief, humans have a one-track mind. Texting and eating while driving is illegal in some states, and common sense dictates that applying makeup or tending a child are even more dangerous. Ask your Auto Insurance Boulder agent about discounts for pet seat belts, and installed shut down apps on digital devices.

 

Be Visible to Other Drivers

Lights and Turn signals are not optional equipment. All of them serve a specific purpose in making your vehicle visible to others. Avoid blind spots and discuss Defensive Driving Courses with your Auto Insurance Boulder agent.

When driving any vehicle, remember those high-speed car chases in the movies and how quickly they end up in a major crash. Then, take your time, check all lights and brakes and then proceed cautiously and safely to your destination.

Stay Alerted to Everything Around You

Avoid Road Hypnosis by keeping your eyes moving in all directions, and it helps you stay awake while remaining aware of other vehicles, animals, and potential threats. Blend in with traffic and develop a habit of checking your mirrors, and maintain a speed that equals the other vehicles. Drive ahead by spotting road construction and objects scattered on the pavement. Ask your agent about the 2 Second Rule that helps you keep a Safety Zone and eliminate claims on your car insurance.

Insurance Companies We Shop

Progressive

Bristol West

Foremost

Dairyland Boulder CO

Viking

Traveler’s

Mendota

The General

Suncoast

ASI

American Modern

American Summit

Liability Insurance Limit Requirements In Boulder Colorado

Car insurance is required to drive on the roads legally in Colorado.  It is required that a person has a car insurance policy that meets at least the state minimum liability limits of 25/50/15.  Liability is what protects other drivers from any damage that you may cause to them if you are found to be at fault in a car accident.  There are different levels of liability limits that you can choose to purchase an insurance policy.

HIGHER LIABILITY LIMITS

The upper limits of liability will increase the cost of your policy, but it will also protect you in the event if you cause a greater amount of damage such as damaging multiple cars or injuring multiple people.  When shopping for car insurance in Boulder, it is a very good idea to start with an independent broker who can shop multiple companies.  At A Plus, we are more than happy to help!  Please contact us via phone or online today for a free estimate.

Colorado State Law Requirements

Colorado State law requires a person to have auto coverage if they want to drive in Boulder, Colorado.  Car insurance can be either just liability coverage, full coverage, or something in between.  Liability auto insurance helps protect other people from you (the driver) in the event if you cause a car accident.

SPLIT LIABILITY COVERAGE

Typically most policies are set up as “split liability” coverage.  This means that a portion of your liability limits is designated for bodily injury per person, bodily injury per accident, and property damage per accident.  The state liability minimums are set at 25/50/15.  Simply put, an individual who has liability limits at the state minimum which is found to be at fault in an auto accident, with a current insurance policy, the insurance carrier will pay out up to $25000 per person for bodily injury protection.  The Policy will pay up to $50,000 per accident for bodily injury protection, and up to $15,000 towards property damage caused.

When shopping for car insurance in the Boulder area, it is a good idea to speak with an agent who can answer all of your questions.  A Plus is a insurance broker who represents several different insurance companies.  We would love to shop the rates for you to find you the plan that you are looking for.  Please call us or visit us online today

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