Auto Insurance Limon

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Auto Insurance in Limon, CO

How age and gender affects your insurance rates

Below you’ll see the average cost of insurance males and females pay based on their age in Limon Colorado. A customer in their 50s will have a lower premium than a younger driver age 16-18. Once a driver is 65 and older, the rates will start to increase a little, but not as high as it was in their teens. Males are typically more expensive to ensure, because they are more likely to get tickets/accidents. Females in their 40-50s pay on average $98 which is the cheapest rate they will receive.

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

Insurance rating factors in Limon

A commonly asked question is, how is my insurance premium calculated? In Limon Colorado, we have compiled a list of the rating factors that insurance use to determine the risk and the cost. Less heavily weighted factors are things like how long you’ve owned your vehicle and what profession you are in. More heavily weighted factors are your driving history and you credit score. Insurance companies look at all these factors to access the risk, and calculate the premium.

FactorRate Impact
Major Violations (DUI,DWI,etc)High
Color of carnone
AgeHigh
How long have you owned the vehicleLow
GenderMedium
Marital StatusMedium
lien holderNone
Annual MileageLow
vehicle performance (symbol)Medium
State RequirementsMedium

We save our client in Limon an average of $598.55

How can you save money on your auto and home insurance? By selecting a company that fits your needs and offers several discounts. Most companies we work with offer paperless discounts, auto pay discounts, bundling discounts, and continuous insurance discounts. All of these discounts, if applied to you, can save you a lot of money. On average, we save our customers in Limon Colorado hundreds of dollars. Look below to see what you could buy with these savings!

New Customers in Limon, Colorado Save on Average$598.55
Number of Candy bars you could buy435
Months of Netflix you could afford with your savings
43
Number of Peanuts you could buy107568

Company ratings AM Best, and JD Power

When it comes to a business, ratings and customer service should be a top priority. And with auto insurance, there are a lot of companies to choose from. That’s why we wanted to make it easier on you and compile a list of some of the best companies and show you how they rate in Limon, CO.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Liberty Mutual Insurance857A
State Farm878A++
Auto-Owners Insurance870A+
Mercury837A
CSAA Insurance Group847A
Farmers Insurance865A
Esurance844A+
Progressive Auto Insurance856A+
MAPFRE Insurance842A
Allstate Auto Insurance853A+
Nationwide867A+
MetLife867A+
Amica Mutual898A+

 What You Should Know About Buying Car Insurance

If you live in the Limon, CO area, and you are seeking out car insurance, there are certainly some things that you should be aware. One of your responsibilities, as a car owner, is to make sure that your car is insured. It is important to have a policy that fits both your budget and your needs. Auto accidents happen when you least expect it.  A policy will help reduce the cost of damage that you may cause to others or even damage caused to you depending upon which coverage options you elect to have.

Multiple Types of Car Insurance Policies are Available In Limon, CO

Researching auto Insurance in Limon, CO can be confusing and stressful, If you aren’t familiar with the industry. Fortunately, the stress and confusion can be reduced by talking to an agent.  You will find that most companies will offer a variety of different plans.  Comparing and contrasting these options will help you figure out the right policy for you. There are many various types of insurance in Limon available. Those range from just liability to full coverage including comprehensive and collision. Other typical options you can purchase for an auto policy in Limon, CO includes uninsured motorist bodily injury protection, medical payments, roadside assistance and rental reimbursement. By understanding what these cover, you will be better prepared to shop for car insurance in Limon.

Liability Insurance In Eastern Colorado

Colorado state law requires all drivers to obtain liability insurance if they are operating a vehicle on the road.  Liability simply covers other drivers from any damage that you may cause to them if you are found to be at fault in an accident. There are different levels of liability insurance that a person can purchase, but all policies must meet at least the state minimum limits set by Colorado.

Collision

Another car coverage that Limon drivers may need is collision insurance. This is insurance that will cover costs that come from any collision with other vehicles, collisions with stationary objects, or any vehicle rollover. Collision is usually associated as part of full coverage and will have a deductible assigned.  If you do have a claim with Mendota Click here

Comprehensive Insurance

A comprehensive insurance policy can be used for anything not covered by collision. This will come into play when your vehicle is damaged due to storms, theft, fire, glass, etc.  Comprehensive is also generally associated with full coverage and will have a deductible assigned.

Uninsured Driver

Finally, uninsured driver coverage will come into play when you are involved in an accident with another driver who is uninsured. This is insurance that will cover your costs, but not theirs.  Uninsured motorist insurance comes in two parts.  The first is uninsured motorist bodily injury protection, and the second is uninsured motorist property damage protection.

As you can see, car insurance doesn’t need to be complicated. Looking at it more simply can help you decide what policy might be right for you, and which coverage you might not need. To find out more about the type of coverage you need by law, reach out to a reputable insurance agent. A Plus is an independent broker with fast, friendly, knowledgeable agents who can assist you with your insurance needs.  Please contact us today via phone or online. We serve Limon, CO, and surrounding areas.

 

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