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Canon City Car Insurance Affordable Insurance Rates
Colorado has a 13% rate of uninsured drivers, and they require every driver to have at least the minimum liability coverage. $1,474 is the national average for auto insurance coverage. $1,558 is Colorado’s average that the residents pay each year for their auto insurance.
So, yes that means as great as Colorado is, if you live there you are paying a percentage difference of 5.70%. See the data below to see the liability coverages and average cost.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| Colorado | 25/50/15 | $510 |
Liability and Full coverage – Canon City Car Insurance
Full Coverage includes liability, comprehensive and collision for your vehicle. That’s going to be really good to have if you have a loan out on your vehicle. The lender will most likely require you to have that coverage. Another option is Liability. That is going to help cover costs of the other driver that may have gotten injured or their car was damaged, if you had an at fault accident.
Average Annual Insurance Rates in Canon City:
| Liability Insurance rates in Canon City | Liability State Average |
|---|---|
| $490.76 | $510.15 |
| Full Coverage Insurance in Canon City | Full Coverage CO average |
|---|---|
| $899.08 | $934.59 |
Your Credit and How It Affects Your Canon City Car Insurance
Your credit can affect a lot of aspects of your life financially. Your Auto Insurance rates are no different in this case. A bad credit score can imply that you are a high risk to Auto Insurance companies. Investing in ways to boost your credit can help lower your insurance premiums tremendously. Check out the website credit karma to see where your credit stands. See the table below to see how rates differ for poor credit versus excellent credit.
| Credit Impact on Insurance rates in Canon City Average Premium by Score | Average Cost |
|---|---|
| Excellent | $106.56 |
| Good | $120.08 |
| Average | $144.58 |
| Poor | $204.48 |
Canon City Car Insurance -How Age and gender affect your Insurance Rates
How much do you pay for Auto Insurance in Canon City, Colorado? Men and women are different for many reasons, whether it be biological or cultural differences. Age can also be a large factor in determining your Auto Insurance rates. Males pay on average 38% more for Auto Insurance in their 20s compared to their 40s. Females Pay on average 29% more for Auto Insurance in their 20s compared to their 40s.
For more information and statistics check out Auto insurance in Salida, CO
| 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 |
Insurance Company Ratings AM Best, and JD Power In Canon City Car Insurance
Do Insurance Ratings matter in Canon City, Colorado? The answer is, absolutely! When shopping for affordable Auto Insurance rates, the price isn’t the only factor that matters. Finding a company that offers excellent coverage options should be a priority.
Always check to see what companies have the best discounts available, and which discounts you are eligible for. It is also important to find a company with a good review rating to be sure you are getting the best quality service, and a friendly agent. Check out the data below to see how these companies rate.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST 2018 |
|---|---|---|
| State Farm | 878 | A++ |
| Amica Mutual | 898 | A+ |
| Safeco (Liberty Mutual) | 855 | A |
| Allstate Auto Insurance | 853 | A+ |
| MetLife | 867 | A+ |
| Liberty Mutual Insurance | 857 | A |
| Automobile Club Group | 857 | A++ |
| The Hartford (AARP insurance) | 873 | A+ |
| Erie Insurance | 879 | A+ |
| GEICO Auto Insurance | 879 | A++ |
| Mercury | 837 | A |
We save our client in Canon City an average of $589 on Insurance
How much can you save by switching to A Plus Insurance in Canon City, Colorado? The table below shows the amount you can save when switching to us for your Insurance needs. It also shows some of extra things you can buy with those savings! How do we save you money? We offer several discounts to everyone to keep your insurance rates low! We also show multiple different companies to offer you the best rates possible.
| New Customers in Canon City, Colorado Save on Average | $589.55 |
| 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 |
Canon City Car Insurance – Nearby cities and neighborhoods
Do Zip Codes Affect Your Auto Insurance Rates?
The answer is YES, your zip code does have a major impact on your auto insurance. For Instance, motorists that live in a more highly populated area, the driving rates would be higher because they are more prone to accidents and make claims.
Ones that also have zip codes in areas with bad weather could have a higher rate as well. So, when looking at these different cities near Canon City those are some factors to look into.
| Neighborhoods in Canon City, Colorado | Cities Near Canon City | Zip Codes in Canon City |
|---|---|---|
| Prospect Heights | Olathe, CO | 81401 |
| City Center | Ridgway, CO | 81220 |
| Route 50 / E Miami Rd | 81403 | |
| Fairview | ||
| Oak Grove |
Top 10 Vehicles We Insure in Canon City
Did you know that the TYPE of vehicle you drive can affect your auto insurance rates? For instance, a high performance or sports car may be pricier than a family van or SUV. Just look at it as if the vehicle would be expensive to replace, then it is going to be expensive to insure.
Here are some of the top vehicles we insure! Ford, Toyota, Honda, Acura, Audi, Lexus, and Volvo. See the chart below to see some more popular models.
| 1 | Ford F-Models |
| 2 | Dodge |
| 3 | Toyota |
| 4 | Honda |
| 5 | Ford |
| 6 | Acura |
| 7 | Audi |
| 8 | Lexus |
| 9 | Volvo |
| 10 | Hyundai |
| 11 | Buick |
| 12 | GMC |
Violations that affect your rates in Canon City
Violations have a good bit of an impact on your auto insurance rates. One of the major violations is a DUI, and that can affect your rates for 10 years!
Another major ones are an at fault accident and driving without a license, those can affect you for 3-5 years.
And then you will have the minor violations, which you can see some on the chart below can be anywhere from using a cell phone while driving to a speeding ticket. Minor violations will last about 3 years.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Parking | Non Moving | NA* |
| Speeding | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Improper Lane use | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Driving without a License | Major | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| DUI | Major | 10 Years |
Discounts Available For You Canon City Car Insurance
Everyone loves discounts! And yes, you can get discounts on your auto insurance. Some really popular ones are if you sign up for paperless bill pay and set up auto pay, military, multi policy discount, having no accidents or tickets, an education discount, an advanced quote and prior insurance, a multi vehicle on your policy and your marriage status.
Ask your agent today what discounts you are eligible for in Canon City, CO!
| Impact on rates | Discounts Available |
|---|---|
| Mild | Paperless Discount |
| High | Auto Pay |
| Mild | Military |
| Mild | Multi Policy |
| High | No Accidents or Violations |
| Mild | Education Discount |
| High | Advanced Quote |
| Mild | Multi Vehicle |
| Mild | Married |
Discounts by Company
YES, Auto Insurance companies do in fact give out discounts! The chart below shows two different insurance carriers that we use and the discounts they offer. Progressive has quite a few excellent discounts available.
Those are- higher education, former or active military, marriage status, multi-vehicle, multi-policy, no accidents, violations, and then auto pay. Dairyland is the other carrier and they have similar ones that are listed with Progressive. Check out this chart or call your insurance carrier to see what they offer!
Progressive | Dairyland |
|---|---|
| Education Discount | Paid in Full |
| Military | No Accidents or Violations |
| Married | Auto Pay |
| Continuous Insurance | Multi Vehicle |
| Multi Policy | Continuous Insurance |
| Paperless Discount | Married |
| Homeowners | Military |
| Advanced Quote | Homeowners |
| Multi Vehicle | Multi Policy |
| No Accidents or Violations | |
| Paid in Full | |
| Auto Pay |
Sample Rates For Canon City Car Insurance
How much should you pay for Auto Insurance? Auto quotes vary for each individual. It is essential to compare the cost of car insurance with multiple insurance companies to save the most amount of money. We can compare auto insurance rates by age and gender, location, company, type of vehicle, driving history, credit score, marital status, and any DUI record. Check out the data below to see some examples of rates for different individuals.
| Sample Rates in Canon City, Colorado |
|---|
| Sample Quote/ policy location: Canon City Agent :Katie Current Company: Mendota Previous Company: acceptance Who: Driver Age: 58 Vehicle: Nissan Altima Type of coverage: truck insurance full coverage Notes: accidents, vehicle Rate: $291 |
| Sample Quote/ policy location: Canon City Agent :Sy Current Company: ASI Previous Company: American Strategic Who: Driver Age: 18 Vehicle: Nissan 370Z Type of coverage: truck insurance liability Notes: Ticket, policies Rate: $338 |
| Sample Quote/ policy location: Canon City Agent :Sy Current Company: ASI Previous Company: Progressive Who: motorist Age: 18 Vehicle: Ford Freestyle Type of coverage: non owners full coverage Notes: Speeding , DUI Rate: $247 |
| Sample Quote/ policy location: Canon City Agent :Amy Current Company: Liberty Mutual Previous Company: acceptance Who: Female Age: 50 Vehicle: Mazda B-Series Regular Cab Type of coverage: car insurance liability Notes: Speeding , estimate Rate: $315 |
| Sample Quote/ policy location: Canon City Agent :Lauren Current Company: Mendota Previous Company: Sentry Who: Business owner Age: 59 Vehicle: Chrysler Concorde Type of coverage: vehicle insurance full coverage Notes: online, multiple lines Rate: $290 |
| Sample Quote/ policy location: Canon City Agent :Crystal Current Company: Progressive Previous Company: Allstate Who: landlord Age: 35 Vehicle: Infiniti QX Type of coverage: auto insurance liability Notes: proof of insurance, Insurance Card Rate: $196 |
Weather and driving conditions In Canon City
No matter if it’s snow or rain or any inclement weather, there are tips that are good to know about driving in it.
Here are some helpful ones…
Always plan ahead- leave extra time to reach your destination to ensure more careful and stress-free driving. Have a plan if you need to take alternate routes.
Drive Slowly- of course carefully driving is super important! Driving in bad weather you should drive much slower than you usually would, and that will prevent the chances of skidding and causing an accident.
Don’t Drive Too Closely- Leave more room between you and the person in front of you. In bad weather your brake time is much slower so you need to leave more room for that.
Your Headlights- When in the fog you should use your LOW beam lights and not your high beams. That is going to help you and the other drivers on the road easier to see.
ALWAYS WEAR YOUR SEATBELT!!
Canon City, Colorado
Summer High: the July high is around 90 degrees
Winter Low: the January low is 18.6
Rain: averages 14.6 inches of rain a year
Snow: averages 33 inches of snow a year
Dmv Addresses and Phone Numbers Canon City
DMV trips are never fun, and now with COVID its made it even harder. But they are still an important tool when it comes to auto insurance and driving. Canon City has two popular locations. You will need to contact them to see if they are accepting inside customers or if you need to make an appointment with COVID-19.
You can also check them out online and see if the site will help answer any questions. Click here for a list of DMVs near Canon City, Colorado.
| Canon City Registration & Titling |
|---|
| 615 Macon Ave. Room 103 |
| Canon City, CO 81212 |
| (719) 276-7440 |
| Canon City Driver License Office |
|---|
| 127 Justice Center Road, # K |
| Canon City, CO 81212 |
| (303) 205-5600 |
Rating Factors Canon City Car Insurance
You may wonder what factors affect your Auto Insurance Rates. There are many different factors to consider. First of all where you live, specifically your zip code can affect your auto insurance rates. Your age is a large factor in determining your rate as well. The older you are the better rates you will get. Your driving history as far as violations, tickets, accidents and claims history determine how much of a risk you are to insure. See the table below for more examples of how your insurance rates are determined.
What Rating Factors Affect Your Insurance Rates?
| Factor | Rate Impact |
|---|---|
| vehicle performance (symbol) | Medium |
| How long have you owned the vehicle | Low |
| vehicle safety features | Medium |
| lien holder | None |
| Insurance History | Medium |
| Age | High |
| Location | Medium |
| Vehicle Make and Model | Medium |
| Credit history | High |
| Color of car | none |
Should you Shop around for Car Insurance in Canon City?
Yes, Drivers should shop around multiple insurance companies to receive at least 2 insurance quotes before purchasing and also at policy renewals. The reasons drivers should shop for car insurance:
- Cost Savings: By comparing quotes from multiple insurance providers, drivers can find policies with lower premiums and better coverage options. This can result in significant cost savings over time, as different insurers may offer discounts or promotions that can reduce insurance premiums.
- Customized Coverage: Every driver’s insurance needs are unique, and shopping around allows drivers to tailor their coverage to suit their specific requirements. By exploring different policies and options, drivers can find coverage that best fits their individual circumstances, such as desired coverage limits, deductibles, and additional protections.
- Access to Discounts: Insurance companies offer various discounts based on factors such as driving record, vehicle safety features, bundled policies, and loyalty. By shopping around, drivers can identify insurers that offer discounts for which they qualify, potentially leading to lower premiums.
- Improved Customer Service: Evaluating insurance providers involves more than just comparing prices; it also involves assessing customer service quality, claims handling, and overall satisfaction. Shopping around allows drivers to research and select insurers with strong reputations for customer service, ensuring a smoother experience in the event of a claim or inquiry.
- Policy Flexibility: Different insurance companies may offer unique policy features or options that cater to specific needs or preferences. By shopping around, drivers can explore a range of policy options and select the one that offers the most flexibility and benefits for their situation.
- Better Understanding of Coverage: Shopping around for quotes can help drivers better understand the nuances of auto insurance coverage, including different types of coverage, policy limits, and exclusions. This knowledge empowers drivers to make informed decisions about their insurance needs and ensure they have adequate protection.
Overall, shopping around for car insurance quotes allows drivers to find the best combination of coverage, price, and service to meet their needs and budget effectively.
Why is Canon City Colorado Auto Insurance so Expensive?
Several factors contribute to the relatively high cost of auto insurance in Colorado:
- High Population Density: Colorado’s population has been steadily increasing, leading to more vehicles on the roads and higher accident rates. Areas with higher population density tend to have higher insurance premiums due to the increased likelihood of accidents and claims.
- Unpredictable Weather: Colorado experiences a wide range of weather conditions, including snowstorms, hailstorms, and wildfires. These weather events can lead to hazardous driving conditions and an increased risk of accidents, which can drive up insurance premiums.
- Frequent Severe Weather Events: Colorado is prone to severe weather events such as hailstorms, which can cause extensive damage to vehicles. Repairing or replacing vehicles damaged by hail can be costly for insurance companies, leading to higher premiums for policyholders.
- High Cost of Medical Care: Colorado has some of the highest healthcare costs in the country, which can contribute to higher insurance premiums. Medical expenses resulting from auto accidents, including hospital bills, rehabilitation costs, and ongoing medical care, can be significant and drive up insurance costs.
- Uninsured and Underinsured Drivers: Colorado has a relatively high percentage of uninsured and underinsured drivers compared to other states. When uninsured or underinsured drivers cause accidents, insured drivers may end up paying higher premiums to cover the costs, as insurance companies pass on the expenses through increased rates.
- Legal Environment: Colorado’s legal environment, including laws and regulations governing auto insurance, liability, and litigation, can impact insurance costs. Factors such as the frequency of lawsuits, the size of jury awards, and legal expenses can influence insurance premiums.
- Theft and Vandalism: Certain areas in Colorado may have higher rates of auto theft and vandalism, particularly in urban areas. Insuring vehicles in areas with higher crime rates can lead to higher insurance premiums to offset the increased risk of theft or damage.
- Distracted Driving and Traffic Congestion: Like many other states, Colorado grapples with issues related to distracted driving and traffic congestion, which can increase the likelihood of accidents and claims. Higher accident rates can result in higher insurance premiums for all drivers in the state.
While these factors contribute to the overall cost of auto insurance in Colorado, individual premiums can vary based on factors such as driving record, age, gender, credit history, and the type of vehicle insured.
Frequently Asked Questions for Canon City Car Insurance
What types of car insurance are required in Canon City?
In Canon City, as in the rest of Colorado, drivers are required to have minimum liability insurance, which includes bodily injury and property damage coverage. Additionally, Colorado law requires drivers to carry uninsured/underinsured motorist coverage unless they opt out in writing.
How can I find the best car insurance rates in Canon City?
To find the best car insurance rates in Canon City, it’s advisable to shop around and compare quotes from multiple insurance providers. Consider factors such as coverage options, deductibles, discounts, and customer service reviews to find a policy that fits your needs and budget.
Are there any discounts available for car insurance in Canon City?
Yes, many insurers offer discounts that Canon City drivers may be eligible for. These can include safe driver discounts, multi-policy discounts, good student discounts, military discounts, and discounts for vehicles equipped with safety features or anti-theft devices.
Last Updated on by Shawn Christie