- How Age and Gender affects your Auto Insurance Limon
- Rating factors for Auto Insurance Limon
- We save our clients an average of $598.55 for Auto Insurance Limon
- Auto Insurance Companies ratings AM Best, and JD Power
- What You Should Know About Buying Auto Insurance Limon
- Frequently Asked Questions about Auto Insurance Limon
- Q1: What is Auto Insurance Limon?
- Q2: How can I get a quote?
- Q3: What coverage options do you offer?
- Q4: Who is known for cheapest car insurance?
- Q5: Who has the lowest auto and home insurance rates?
- Q6: Can I get a lower rate on my car insurance?
- What We Do at A Plus Insurance
Colorado state law requires all drivers to obtain liability insurance if they are operating a vehicle on the road.
In Colorado that required coverage for Auto Insurance in Limon is 25/50/15.
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 25,000 in bodily injury up to 50,000 and $15,000 in property. 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.
How Age and Gender affects your Auto Insurance Limon
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 aged 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 insure 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.
| 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 |
Rating factors for Auto Insurance 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 your credit score. Insurance companies look at all these factors to access the risk and calculate the premium.
| Rating factors auto insurance Limon Rate Impact Major Violations (DUI, DWI, etc) – High – Color of the car – none Age – High How long have you owned the vehicle -Low Gender – Medium Marital Status – Medium Lienholder – None Annual Mileage – Low Vehicle performance Medium State Requirements – Medium |
We save our client an average of $598.55 for auto insurance Limon
We save our clients an average of $598.55 for Auto Insurance Limon
How can you save money on your auto and home insurance? Selecting a company that fits your needs and offers several discounts. Most companies we work with offer paperless discounts, autopay 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 |
Savings can be yours today!
| Number of Candy bars you could buy | 435 |
| Months of Netflix you could afford with your savings | 43 |
| Number of Peanuts you could buy | 107568 |
Auto Insurance Companies 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.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
| Liberty Mutual Insurance | 857 | A |
| State Farm | 878 | A++ |
| Auto-Owners Insurance | 870 | A+ |
| Mercury | 837 | A |
| CSAA Insurance Group | 847 | A |
| Farmers Insurance | 865 | A |
| Esurance | 844 | A+ |
| Progressive Auto Insurance | 856 | A+ |
| MAPFRE Insurance | 842 | A |
| Allstate Auto Insurance | 853 | A+ |
| Nationwide | 867 | A+ |
| MetLife | 867 | A+ |
| Amica Mutual | 898 | A+ |
What You Should Know About Buying Auto Insurance Limon
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.
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.
Frequently Asked Questions about Auto Insurance Limon
Q1: What is Auto Insurance Limon?
Auto Insurance Limon is offered by A Plus Insurance, your trusted partner for all your auto insurance needs. We offer a variety of coverage options to protect you and your vehicle.
Q2: How can I get a quote?
You can easily get a quote by visiting our website and filling out our online quote request form. Alternatively, you can call us at 1.888.445.2793 to speak with one of our representatives.
Q3: What coverage options do you offer?
A Plus Insurance in Limon, CO, offers a wide range of coverage options, including liability insurance, collision coverage, comprehensive coverage, and more. We tailor our policies to meet your unique needs.
Q4: Who is known for cheapest car insurance?
The cheapest car insurance varies based on individual circumstances, but companies like Progressive and The General are often competitive in pricing. It’s best to compare quotes to find the most affordable option for your needs.
Q5: Who has the lowest auto and home insurance rates?
Finding the lowest auto and home insurance rates can depend on various factors including location, coverage needs, and discounts. Providers like Assurance America and National General often offer competitive rates. Again, comparing quotes is advisable.
Q6: Can I get a lower rate on my car insurance?
Yes, you can potentially get a lower rate on your car insurance by exploring discounts such as multi-policy, good driver, or military discounts. Providers like Progressive and Dairyland offer various options. It’s beneficial to review your policy and compare rates regularly.
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Last Updated on by Brian Muse