Auto Insurance Calhan CO

car insurance Calhan CO

Auto Insurance Calhan CO

Who Has The Best Car Insurance In Calhan Colorado?

4 top insurance carriers we work with In Calhan Colorado…

Rates will vary based on your vehicle type, driving history and coverage options.

What Factors Impact My Insurance Rates?

When it comes to auto insurance, you may wonder what kind of things can affect your rates. Well, let us help with that. We are going to be looking at some Rating Factors in Calhan, CO and how those factors impact your auto insurance rates. Let us start with factors that have low and no effect on them. Adding a lien holder will have no effect on it, things like how long you have owned your car, your education and profession have a low affect. Check out the rest of the chart to see some of the high factors.

FactorRate Impact
Credit historyHigh
lien holderNone
vehicle performance (symbol)Medium
vehicle safety featuresMedium
How long have you owned the vehicleLow
Claims HistoryMedium
Type of Vehicle CoverageMedium
EducationLow
How many drivers per vehicles listedmedium
ProfessionLow

Your Credit And How It Affects Your Insurance Premiums

You may wonder if your credit score affects your auto insurance rates. And the answer is yes, it has a high impact on whether your rates are going to be good or not so good. The insurance carriers are going to look at your credit to see if you are going to cost them more money in the long run. For instance, if your score is not the greatest, they may consider how they will affect them and if you are more prone to not paying on time or even filing more claims in the long run. Check out the chart below and see what your average premium could be in Calhan, CO according to your credit score.

Credit Impact on Insurance rates in Calhan
Average Premium by Score
Excellent$120.99
Good$136.34
Average$164.15
Poor$232.17

Insurance Company Ratings AM Best, and JD Power

Customer service is a huge deal when it comes to businesses. It can honestly make or break your company. Customer service and other factors can affect your ratings and how you rank with other companies. When it comes to auto insurance, you have lots of options when looking for car insurance. What are some things that you look for in a company? Below is a chart of some of the top-ranking auto insurance companies in Calhan, CO and you can see how they rate in the area.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Erie Insurance879A+
Liberty Mutual Insurance857A
MAPFRE Insurance842A
Automobile Club Group857A++
Progressive Auto Insurance856A+
USAA900A++
Farmers Insurance865A
Safeco (A division of Liberty Mutual)855A
Allstate Auto Insurance853A+
NJM Insurance Co. A+
Auto-Owners Insurance870A+
Amica Mutual898A+
The Hartford (AARP insurance)873A+

Calhan Weather And Driving Conditions

Calhan, CO has a variety of weather year-round. The hottest month is July with an average temperature of 84.8 degrees. That actually is considered cooler than most places in CO. The coldest month is December, and the temperatures drop to an average of 16.7 degrees, and this is warmer than most places in CO. Annually there are 1405 days when the temperatures are over 90 degrees. Calhan’s’ snow fall average is 48 inches and 17 inches for the rain fall.

Calhan, Colorado
Summer High: the July high is around 84.8 degrees
Winter Low: the January low is 17
Rain: averages 17 inches of rain a year
Snow: averages 48 inches of snow a year

Nearby Cities And Neighborhoods

Calhan is a small town in Colorado. The populations sit at about 890 people. It only has a few shops, restaurants, and a few places to stay there. As small as it is, it has lots of big attractions! An extremely popular one is the 15-foot giant bicycle. That is right outside of the Cadillac Jack’s RV park and campground. They are also known for antique shops. Check out the list below of nearby cities and towns and popular neighborhoods

Neighborhoods in Calhan, ColoradoCities Near CalhanZip Codes in Calhan
Berringer HillBlack Forest, CO80808
Ellicott SpringsCimarron Hills, CO
Engleby MoorsAir Force Academy, CO

Sample Insurance Rates for Calhan

Your auto insurance rates have many factors. Your age, driving record, vehicle, credit history, and what kind of coverage you purchase. The chart below are sample rates for Calhan, CO. The sample rates show a variety of things to determine what the rate will look like. For instance, you see the first one is 36 years old and it shows the type of vehicle he has on his policy, the type of coverage he has is liability and med pay and, in the notes, it shows he has snapshot, which can get him a discount. The rate shows with all that information it is $214.00. See the rest of the chart to see some other examples.

Sample Quote/ policy location: Calhan
Agent :Katie
Current Company: Progressive
Previous Company: American Family
Who: Age: 36 Vehicle: Lincoln MKT
Type of coverage: liability insurance , med pay
Notes: snapshot, Driver
Rate: $214
Sample Quote/ policy location: Calhan
Agent :Sy
Current Company: Mendota
Previous Company: Liberty Mutual
Who: Age: 32 Vehicle: Honda Ridgeline
Type of coverage: liability , sr22
Notes: Speeding , policies
Rate: $258
Sample Quote/ policy location: Calhan
Agent :Shawn
Current Company: Liberty Mutual
Previous Company: Nationwide
Who: Homeowner Age: 47 Vehicle: Audi TT
Type of coverage: auto insurance , uninsured motorist
Notes: Insurance Card, state filing
Rate: $312
Sample Quote/ policy location: Calhan
Agent :Katie
Current Company: Viking
Previous Company: Bristol West
Who: motorist Age: 33 Vehicle: Chrysler Town & Country
Type of coverage: non owners , med pay
Notes: Price, Ticket
Rate: $287
Sample Quote/ policy location: Calhan
Agent :Jola
Current Company: Liberty Mutual
Previous Company: Diaryland
Who: Age: 64 Vehicle: Chevrolet Caprice
Type of coverage: liability , sr22
Notes: automobile , Insurance Card
Rate: $188
Sample Quote/ policy location: Calhan
Agent :Sy
Current Company: The General
Previous Company: Viking
Who: motorist Age: 49 Vehicle: GMC Jimmy
Type of coverage: car insurance , uninsured motorist
Notes: snapshot, multi policy
Rate: $158

Who Has The Best Liability Insurance Rates In Calhan?

Some of the best liability rates we have seen in Calhan Colorado are with Dairyland insurance.


Shopping around for liability insurance can be a hassle and a long process! With A Plus insurance, we do that work for you, saving you time and money. We work with some of the top companies in the world to find you the cheapest rate. If we are not your cheapest option, we aren’t afraid to admit it! Some of the cheapest rates for liability only insurance are found below. Dairyland is most often the cheapest option, while Liberty mutual was found to be the highest.

RankCompanyAverage Price
1Dairyland (Viking)$84.00
2Progressive$91.00
3Mendota$99.00
4Bristol West$113.00
5Travelers$121.00
6The General$123.00
7Liberty Mutual$127.00

Top 10 Vehicles We Insure in Calhan

Does your type of vehicle- year, make and model matter when it comes to your insurance rates? Yes it does!  In fact, the vehicles identification number (VIN) plays a key role in making up each insurance quote. No VIN number is exactly the same. The VIN shows each vehicle’s specific trim level which determines how much it is to insure. In addition, The more expensive a Make the higher that vehicle will cost to insure. See the data below to find out what some of the lost popular Makes are in Calhan, Colorado.

1Buick
2Lexus
3Volvo
4Nissan
5Mazda
6BMW
7General Motors
8Honda
9Dodge
10Ford F-Models
11Chevrolet
12Subaru

Liability Insurance Requirements For Calhan

What are the liability insurance requirements in Calhan, Colorado? Those are 25,000 for bodily injury per person, per accident, 50,000 max that the policy would pay out per accident, and 15,000 for property damage per accident. A commonly asked question is should I get the state minimum required in my state or raise those limits? What is the difference? The difference is with higher liability limits, you can get more coverage for an accident that you cause. Liability insurance does pay out only to the other party.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
Colorado25/50/15$510

Liability And Full Coverage In Calhan

How much is full coverage and liability in Calhan, Colorado? What are your options for full coverage? Do you have to carry full coverage on your vehicle? Let’s answer these questions right now! Full coverage and liability insurance rates vary depending on the driver and vehicle information. The options available to you are different amounts of deductibles for comprehensive and collision coverage. The higher the deductible you are willing to set, the lower your insurance premium will be. If you are financing your vehicle, most  lien holders will require you to have full coverage on your vehicle.

Liability Insurance rates in CalhanLiability State Average
$464.75$510.15
Full Coverage Insurance in CalhanFull Coverage CO average
$851.42$934.59

Calhan Auto Insurance

473 Golden St. Calhan, CO 80808

(719) 749-6849

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Last Updated on August 30, 2021 by Katie Sopko

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