Boulder Insurance 101
Boulder Insurance – Auto & Home
A Plus is an insurance broker who represents several different insurance companies.
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.
How Age And Gender Affect Your Boulder Insurance Rates in Colorado
Think about it… when was the last time that your 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 50’s drives safer than somebody who is 18. That is why when you are a female driver in your 40’s you will have cheaper car insurance than a male who is in their 20’s. Younger people are involved in more traffic violations and traffic accidents.
| 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 |
We Save Our Client In Boulder An Average Of $600.55
| Are you Hungry? | That’s a Lot! |
|---|---|
| Number of Eggs you could buy: | 5415 |
| Pound of bananas you could buy: | 1157 |
| Pound of Potatoes you could purchase: | 853 |
Weather And Driving Conditions In Boulder, Colorado
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 hail 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.
| Climate in 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 |
Top 10 Vehicles We Insure In Boulder, Colorado
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.
| Ranking | Vehicle Make |
|---|---|
| 1 | Buick |
| 2 | Chevrolet |
| 3 | Dodge |
| 4 | General Motors |
| 5 | Honda |
| 6 | Ford |
| 7 | Volvo |
| 8 | Lexus |
| 9 | Hyundai |
| 10 | Volkswagen |
| 11 | Ford F-Models |
| 12 | BMW |
What are the Boulder Insurance Requirements in Colorado?
Be sure to stay compliant with the state laws in Colorado before you hit the road.
You must have at least:
$25,000 coverage for bodily injury per person
$50,000 coverage for bodily injury per accident
$15,000 coverage for property damage
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. Boulder 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 Boulder insurance agents via phone or online. We look forward to serving you.
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 weapon, 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 Boulder Insurance 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.
Boulder Insurance Companies We Work With In Colorado
| Car and Home Insurance Carriers |
|---|
| ASI |
| Travelers |
| Safeway |
| Bristol West |
| Progressive |
| Assurance America |
| Gainsco |
| Suncoast |
| The General |
| Mendota |
| Dairyland |
| Foremost Star |
| Orion 181 |
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 In Boulder
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 $25,000 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.
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
Company Info: The following address is mailing only
A Plus Insurance Boulder
1321 College Ave
Boulder, CO 80302
Phone: 303-482-2957
| Additional Colorado Insurance |
|---|
| Auto Liability Insurance | Colorado |
| SR22 Insurance | Colorado |
| Motorcycle Insurance | Colorado |
| Homeowner’s Insurance | Colorado |
Last Updated on by Amanda Moss