Auto Insurance Erie CO

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Auto Insurance Erie Co

Violations and how they imapct your insurance rates in Erie

There isn’t anyone out there who enjoys seeing those white and blue lights flashing in their rear view mirror. Whether it’s a minor violation or a major violation, these both affect your auto insurance rates. Some major violations can stay on your driving record for 5 years. A DUI can stay on your record even longer than 5 years. Minor violations and speeding tickets stay on your record for 3 years. A tip to save on your insurance rates is to ask your insurance provider how long your current violations will affect your rates.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Non-At-Fault AcccidentMinorNA*
Failure to YeldMinor3 Years
Reckless DrivingMajor5 Years
Failure to Use Turn SignalMinor3 Years
Expired TagsNon MovingNA*
Improper Lane useMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
Driving without a LicenseMajor3 Years
No Proof of insuranceNon MovingNA*
Failure to Secure Load to truck/trailerMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Failure to Use a Seat BeltNon MovingNA*

We save our client in Erie an average of $586.55

There really isn’t anyone in the world who doesn’t have bills. And like anyone we always like to save on those household bills. Saving on your Auto Insurance should not be any different. Make sure you have all the discounts that are applicable to you and your household applied on your insurance policy. In addition, shop around every 6 months to a year. When up for renewal, shopping around for something cheaper has proven to save consumers a lot of extra money. See the table below to think about what you can do with your savings! 

New Customers in Erie, Colorado Save on Average$586.55
Number of Candy bars you could buy435
Months of Netflix you could afford with your savings
43
Number of Peanuts you could buy107568

Erie DMV address and phone

The Department of Motor Vehicles isn’t everyone’s favorite place to go. This department is very useful to citizens everyday life and convenience. What are some of the services you can obtain at a Department of Motor Vehicles? First of all, you must be a U.S citizen, an applicant, or a permanent resident to obtain a drivers license. If you are needing to renew a regular license that has recently expired, or about to expire- you must have had an eye examination by an optometrist or ophthalmologist within the past 3 years. See the information below for your local DMV in Erie, Colorado.

Erie Driver’s License Ofiice
917 S Main St Unit #600
Longmont, CO 80026
303-413-7710
Erie Registration  & Titling
1376 Miners Drive
Lafayette, CO 80026
(303) 205-5600

Insurance rating factors in Erie

What are some of the factors that can influence the cost of car insurance in Erie, Colorado? For most drivers the same factors apply but the state you live in also affects these factors as well. Some states even prohibit some factors due to the opinion that some consider these factors to be unfair. It’s the personal factors that affect your rates the most from insurance regulators. The factors prove statistics that show the insurance provider which consumer is a greater risk of claims. See the data below to find out what factors might affect you in Erie, Colorado.

FactorRate Impact
Type of Vehicle CoverageMedium
ProfessionLow
Claims HistoryMedium
AgeHigh
Credit historyHigh
Major Violations (DUI,DWI,etc)High
EducationLow
LocationMedium
How long have you owned the vehicleLow
anti theft deviceLow

Cheapest full coverage insurance rates in Erie

Shopping around for full coverage in Erie, Colorado. A Plus Insurance is here to help with your insurance needs. We offer quotes from multiple different companies in Colorado. Getting quotes from an insurance agency or broker can save you time and money. Let us do the work for you! Below you will see some examples of full coverage rates in Erie, Colorado. The cheapest option at the top is through Mendota insurance also called Advantage Auto. Then the next cheapest is with Progressive. We do work with more companies than those listed below. Ask for quotes with each company to compare your choices!

RankCompanyAverage price
1Mendota$130.00
2Progressive$131.00
3The General$143.00
4Bristol West$151.00
5Travelers$177.00
6Liberty Mutual$188.00
7Dairyland (Viking)$192.00

Erie nearby cities and neighborhoods

Erie, CO is recognized as one of the safest cities in CO to live in. Its population is about 28,000 and the median home price is about $485,000. It is a great place to get a nice family home. Some of the popular neighborhoods are Arapahoe Ridge, Blue Sky Condos, Canyon Creek, and Country Meadows. If you are looking for any cities or towns close to Erie, some nearby ones are Broomfield, Longmont, Louisville, and Lafayette. All of Colorado is beautiful but we wanted to pinpoint Erie for now!

Neighborhoods in Erie, ColoradoCities Near ErieZip Codes in Erie
Arapahoe RidgeBroomfield, CO80026
Blue Sky CondosLongmont, CO80516
Canyon CreekLouisville, CO
Country MeadowsLafayette, CO

Sample insurance rates in Erie

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 Erie, 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 46 years old and it shows the type of vehicle he has on his policy, the type of coverage he has is state minimum liability and, in the notes, it shows he has a multi policy, which can get him a discount, but he is also considered high risk, that could be due to his driving record. The rate shows with all that information its is $241.00. See the rest of the chart to see some others.

Sample Rates in Erie, Colorado
Sample Quote/ policy location: Erie
Agent :Amy
Current Company: Progressive
Previous Company: Bristol West
Who: Age: 46 Vehicle: Toyota Tundra Double Cab
Type of coverage: liability , state min
Notes: multi policy, high risk
Rate: $241
Sample Quote/ policy location: Erie
Agent :Katie
Current Company: Liberty Mutual
Previous Company: Safeco
Who: Homeowner Age: 62 Vehicle: Chrysler Fifth Ave
Type of coverage: full coverage , med pay
Notes: uninsured, now
Rate: $188
Sample Quote/ policy location: Erie
Agent :Shawn
Current Company: Dairyland
Previous Company: none
Who: Driver Age: 68 Vehicle: GMC Safari Passenger
Type of coverage: full coverage , state min
Notes: policy, accidents
Rate: $286
Sample Quote/ policy location: Erie
Agent :Shawn
Current Company: Travelers
Previous Company: the General
Who: Driver Age: 37 Vehicle: Chevrolet Traverse
Type of coverage: auto insurance , sr22
Notes: by phone, DUI
Rate: $314
Sample Quote/ policy location: Erie
Agent :Jola
Current Company: Progressive
Previous Company: Foremost
Who: client Age: 24 Vehicle: Land Rover Range Rover Sport
Type of coverage: car insurance , state min
Notes: Price, Driver
Rate: $263
Sample Quote/ policy location: Erie
Agent :Jola
Current Company: Bristol West
Previous Company: State Farm
Who: Homeowner Age: 56 Vehicle: Ford Windstar Cargo
Type of coverage: full coverage , med pay
Notes: DUI, Ticket
Rate: $182

Liability insurance requirements in Erie

As you can see from the chart below, we are talking about liability insurance requirements in Erie, CO. The limits required that you purchase is 25/50/15. Those numbers mean that your insurance carrier will pay up to the amount of $25,000 per person that was injured for an at fault accident. The motorist that is the policy holder will be covered up to the $15,000 for damaged property. The average cost of the liability coverage in Erie is $510.00. You can call your agent and find out some more information about liability insurance!

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

Cheapest liability insurance rates in Erie

In Colorado, the liability state requirement is 25/15/50. We broke down 7 different companies and the average prices for liability in Erie, CO. Let us review the chart below. At number one is Progressive and the average prices is $88, Dairyland is next at $95, Bristol West at a couple dollars more comes in at $97, Mendota and Travelers came in at the same price of $110, The General is $112 and lastly Liberty Mutual is at $130.00. You can contact your insurance agent and discuss this topic further!

RankCompanyAverage price
1Progressive$88.00
2Dairyland (Viking)$95.00
3Bristol West$97.00
4Mendota$110.00
5Travelers$110.00
6The General$112.00
7Liberty Mutual$130.00

Liability and full coverage rates in Erie

In Colorado, the liability state requirement is 25/15/50. We are going to be looking and comparing Average Annual Rates in Erie, CO. As you see on the chart below, we did a comparison on what Liability Annual Rates look like and what Full Coverage in Erie is. Liability Insurance Rates will look about $515.25 and Liability State Average is $510.15. Now let us look at Full Coverage in Erie… it shows an annual average of $943.94 and for Full Coverage in the state is $934.59. Just contact your agent if you would like more information on this topic.

Liability Insurance rates in ErieLiability State Average
$515.25$510.15
Full Coverage Insurance in ErieFull Coverage CO average
$943.94$934.59

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Last Updated on August 30, 2021 by Katie Sopko

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