AUTO – COLORADO
Insurance Durango
With more than 2,500 preserved archeological sites, four nearby National Monuments, 13 historic sites, 2 UNESCO World Heritage Sites, and one National Park, Durango boasts unbeatable access to our nation’s best-preserved history.
Auto Insurance Durango- Liability Requirements
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 |
DMV Addresses and Phone Numbers
With COVID the DMV may not be currently open, but you can check their websites and see about making an appointment. On the chart below lists the locations, but this is a good site to help find the locations near Durango.
| Durango Driver License Office |
|---|
| 329-A S. Camino Del Rio |
| Durango, CO 81303 |
| (303) 205-5600 |
| Durango Registration & Titling |
|---|
| 98 Everett St. Suite A |
| Durango, CO 81303 |
| (970) 382-7078 |
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.
| 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 |
Auto Insurance Durango Sample Insurance Rates
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.
| 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: DairyLand 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 |
Auto Insurance Durango Liability And Full Coverage
Many people wonder what full coverage auto insurance really means. Full coverage auto insurance includes comprehensive coverage and collision coverage.
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.
| 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 |
Auto Insurance Durango 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.
| 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 |
Auto Insurance Durango 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!
Credit Impact on Insurance Rates in Durango
| Average Premium by Score | Price |
|---|---|
| Excellent | $115.44 |
| Good | $130.08 |
| Average | $156.62 |
| Poor | $221.52 |
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.
| 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 |
SR22 Auto Insurance Durango
An SR-22 is not actually insurance itself but rather a form that proves you have the required liability insurance coverage as mandated by the state. People often need an SR-22 if they’ve been involved in certain driving violations, such as DUI/DWI, driving without insurance, or multiple traffic offenses.
To obtain auto insurance with an SR-22 for your Durango, you’ll generally need to follow these steps:
- Contact Your Insurance Provider: Reach out to your current auto insurance provider and inform them that you need an SR-22 filing. If they cannot provide it, you may need to find an insurer that specializes in high-risk drivers.
- Verify SR-22 Requirements: Make sure to confirm the SR-22 filing requirements with your state’s Department of Motor Vehicles (DMV) or equivalent agency. Each state may have different rules and regulations regarding SR-22 filings.
- Purchase the Required Coverage: If your current insurer can’t provide an SR-22, or if you’re shopping for a new policy, look for an insurance company that offers coverage for high-risk drivers. Be prepared for higher premiums due to the added risk.
- File the SR-22 Form: Your insurance company will file the SR-22 form with the appropriate authorities on your behalf. Ensure that the filing is done promptly to avoid any potential issues with your driving privileges.
- Maintain Continuous Coverage: It’s crucial to maintain continuous auto insurance coverage while you have an SR-22 requirement. Any lapses or cancellations could lead to additional penalties or an extension of the SR-22 filing period.
Remember that the specifics can vary by state, so it’s important to check with your local DMV or a qualified insurance agent for accurate and up-to-date information tailored to your situation.
| Progressive Insurance | $88 |
| AssuranceAmerica | $96 |
| Mendota Ins. Company | $98 |
| The General | $99 |
| Geico | $107 |
| USAA | $107 |
| National General | $110 |
| Travelers | $114 |
| Dairyland | $119 |
| 21st Century | $121 |
| American Family | $123 |
| Safeco | $131 |
| Bristol West | $134 |
| Nationwide | $140 |
| GAINSCO | $141 |
Best Home and Auto Insurance Policies for New Homeowners
- Progressive Home and Auto Bundle: Save up to 20% by combining your home and auto insurance policies. Includes liability, comprehensive, and full coverage options. Text Us for a personalized quote.
- Allstate Enhanced Home Coverage: Offers dwelling protection, personal property coverage, and optional flood insurance. Discounts available for new homeowners. Call us at 1.888.445.2793 for details.
- Dairyland Auto and Property Protection: Ideal for first-time homeowners with flexible payment options and multi-policy discounts. Text Us to learn more about eligibility.
- The General Comprehensive Package: Affordable rates with customizable deductibles for both home and auto policies. Includes roadside assistance and identity theft protection. Call us at 1.888.445.2793 for more information.
- National General Home and Auto Advantage: Features full replacement cost coverage and extended liability limits. Discounts for energy-efficient homes and good drivers. Text Us for a quote today.
- Assurance America Smart Choice Plan: Budget-friendly policies with accident forgiveness and water backup coverage for new homeowners. Call us at 1.888.445.2793 to get started.
- Bristol West Premium Coverage: Provides robust home and auto protection with military discounts and low deductibles for eligible customers. Text Us to discuss your options.
- Falcon Essential Protection: Tailored for first-time homeowners, offering affordable rates, windstorm coverage, and auto liability options. Call us at 1.888.445.2793 to customize your policy.
What is Auto Insurance Durango?
Auto Insurance Durango provides coverage for vehicles in the Durango area. It ensures financial protection in case of accidents, theft, or damage to your vehicle. A Plus Insurance helps you find the best rates tailored to your needs.
How does A Plus Insurance find the best rates?
A Plus Insurance shops multiple carriers to find you the most competitive rates for auto insurance in Durango. Our extensive network allows us to offer you personalized options that suit your budget and coverage requirements.
Have questions? Call us at 1.888.445.2793.
If you have any questions or need assistance with your auto insurance in Durango, feel free to call us at 1.888.445.2793. Our dedicated team is here to provide you with expert guidance and support.
Should I shop around for cheaper car insurance?
Yes, it’s a good idea to shop around for car insurance to find the most affordable rates. Insurance premiums can vary between providers, and by comparing quotes from multiple carriers, you can potentially save money while still getting the coverage you need.
For more information or to get a quote, call us at 1.888.445.2793.
Last Updated on by Camron Moss