Auto Insurance Durango

Liability Requirements for Durango

What is Liability coverage? It is a coverage that is required in Colorado. This is going to help pay for the expenses of another driver if they have received medical and or property damage because you caused the accident. As the chart explains below, the coverage required for you auto insurance policy is 25/50/15. That is going to be $25,000 for per person for Bodily Injury, $50,000 per accident for bodily injury and $15,000 per accident for property damage. That average cost is around $510.

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

 

 

 

Insurance Company Ratings AM Best, and JD Power

Insurance Ratings are an especially important factor. When choosing anything, we want to look at ratings and reviews. So, the same guidelines should be for auto insurance. You want to make sure you are getting the best rates and coverage for yourself. You also want to make sure you are getting discounts that you may be eligible for. It is always good to check out each insurance company one by one and see who has the best rating and reviews so you can be assured you made the best choice.

COMPANY J.D. POWER CLAIMS A.M. BEST RATING
Allstate Auto Insurance 853 A+
Esurance 844 A+
USAA 900 A++
Auto-Owners Insurance 870 A+
State Farm 878 A++
Travelers 865 A++
Erie Insurance 879 A+
Auto Club of Southern California Insurance Group 866 A+
Progressive Auto Insurance 856 A+
The Hartford (AARP insurance) 873 A+
Farmers Insurance 865 A
CSAA Insurance Group 847 A
Nationwide 867 A+

 

 

Durango Weather and Driving conditions

Durango, CO literally has a 4 season year. It can change quickly, so when driving its really smart to be prepared and make sure you check with the weather first. Lets go through the seasons one by one. In the summer it is warm and gets in the upper 80’s with afternoon showers, Fall is cool and dry and gets about 65 degrees, Winter temps stay about 10-50 degrees and the snow will usually come at night with an annual average of 71 inches and finally Spring which can sometimes have a late season snow shower.

Durango, Colorado
Summer High:
 the July in high is around 86.2 degrees
Winter Low: the January low is 12
Rain: averages 18.3 inches of rain a year
Snow: averages 67.4 inches of snow a year

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Sample Insurance Rates for Durango

How much do you pay for Your Auto Insurance in Durango, Colorado? It’s beneficial for folks shopping for insurance to compare multiple rates from different companies. Do your research to make sure you are not overpaying on your insurance with your current company. Our agents at A Plus Insurance work with some of the best companies out there. Check out the data below to see some examples of quotes for different drivers that vary from age, gender, vehicle, and type of coverage.

Sample Rates in Durango, Colorado
Sample Quote/ policy location: Durango
Agent :Jola
Current Company: Travelers
Previous Company: the General
Who: resident Age: 59 Vehicle: Buick Roadmaster
Type of coverage: liability insurance full coverage
Notes: policy, accidents
Rate: $173
Sample Quote/ policy location: Durango
Agent :Katie
Current Company: Bristol West
Previous Company: American Strategic
Who: owner Age: 49 Vehicle: Hyundai Sonata
Type of coverage: Business insurance full coverage
Notes: quotes, multi policy
Rate: $159
Sample Quote/ policy location: Durango
Agent :Crystal
Current Company: Liberty Mutual
Previous Company: State Farm
Who: male Age: 65 Vehicle: Buick Rendezvous
Type of coverage: broad form liability
Notes: quotes, deductible
Rate: $135
Sample Quote/ policy location: Durango
Agent :Lauren
Current Company: Progressive
Previous Company: Foremost
Who: landlord Age: 31 Vehicle: Lincoln Continental
Type of coverage: motorcycle insurance full coverage
Notes: online, accidents
Rate: $183
Sample Quote/ policy location: Durango
Agent :Lauren
Current Company: Progressive
Previous Company: Diaryland
Who: client Age: 37 Vehicle: Pontiac Firebird
Type of coverage: motorcycle insurance liability
Notes: motorist, proof of insurance
Rate: $138
Sample Quote/ policy location: Durango
Agent :Jola
Current Company: Suncoast
Previous Company: Farmers
Who: Homeowner Age: 38 Vehicle: Mitsubishi 3000GT
Type of coverage: renters insurance liability
Notes: Discount, Speeding
Rate: $165

 

 

 

 

Liability and Full coverage in Durango, Colorado

Many people wonder what full coverage auto insurance really means. Full coverage auto insurance includes comprehensive coverage and collision coverage. These coverages offer different types of protection. Comprehensive coverage helps to cover theft, fire, breakage of glass, falling objects, and incidents that are not collisions. Collision coverage helps to pay for damage that occurs from colliding with another vehicle, or an object. See the data below to see what the average cost for full coverage is in Durango, Colorado.

Average Annual Insurance Rates in Durango
Liability Insurance rates in Durango Liability State Average
$469.34 $510.15
Full Coverage Insurance in Durango Full Coverage CO average
$859.83 $934.59

 

Violations

It’s a given that violations can hurt your auto insurance rates. When getting a quote, they will most likely ask you if you have any violations within the last 5 years. Most violations will stay on your record for 3-5 years, they are going to be your “minor” violations. Now there are major violations and can last up to 10 years. The most common major violation as you see on the chart below are DUI, reckless driving and driving without a license.

Violation Name Major, Minor, or Non Moving How Long it Will Affect Your Insurance Rates
Failure to Secure Load to truck/trailer Minor 3 Years
Failure to Use Turn Signal Minor 3 Years
Crossing over a Center Divider Minor 3 Years
Non-At-Fault Acccident Minor NA*
Failure to Stop for a Pedestrian Side walk Minor 3 Years
Parking Non Moving NA*
Driving without a License Major 3 Years
Improper Lane use Minor 3 Years
DUI Major 10 Years
Failure to Yeld Minor 3 Years
Reckless Driving Major 5 Years
Running a Traffic Light or Stop Sign Minor 3 Years

 

 

Your Credit and how it affects your insurance premiums

Does Your Credit Affect Your Auto Insurance?
It absolutely does! A study showed that drivers with low credit scores will end up paying up to 91% more in auto insurance than the motorists with great credit scores! Insurers use this because they can determine by your score how much of a risk you will be if they insure you. So simply put, good credit score you will be “low risk” which means lower premium and poor credit score you will be “high risk” which results in higher premiums.

Credit Impact on Insurance rates in Durango
Average Premium by Score
Excellent $130.98
Good $147.59
Average $177.71
Poor $251.34

 

Top 10 Vehicles We Insure in Durango

Something that you may not know, is that the type of vehicle can affect your insurance rates. Rumors have it that color matters, but in fact it’s the type of vehicle not the color. Just like anything that involves auto insurance, things that are considered high risk are going to result in higher rates. For Durango, CO here are a list of the top 10 vehicles that we insure. Honda, Lexus, Volkswagen, GMC, Ford, Volvo, Dodge, Nissan, Jeep, Audi, GM and Buick.

1 Honda
2 Lexus
3 Volkswagen
4 GMC
5 Ford
6 Volvo
7 Dodge
8 Nissan
9 Jeep
10 Audi
11 General Motors
12 Buick