Canon City, Colorado Car Insurance [Affordable 2021 Insurance Rates]

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Canon City, Colorado Car Insurance [Affordable 2021 Insurance Rates]

Progressive * Travelers * Dairyland * Allstate * Farmers * The General * & More

“Your Credit and How it Affects your Insurance Premiums”

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
Excellent$106.56
Good$120.08
Average$144.58
Poor$204.48

“How age and gender affect your insurance” 

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 theirs 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 https://learnandserve.org/salida/

AgeMaleFemale
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”

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.

COMPANYJ.D. POWER CLAIMSA.M. BEST 2018
State Farm878A++
Amica Mutual898A+
Safeco (Liberty Mutual)855A
Allstate Auto Insurance853A+
MetLife867A+
Liberty Mutual Insurance857A
Automobile Club Group857A++
The Hartford (AARP insurance)873A+
Erie Insurance879A+
GEICO Auto Insurance879A++
Mercury837A

“We save our client in Canon City an average of $589”

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 buy435
Months of Netflix you could afford with your savings
43
Number of Peanuts you could buy107568

“Liability insurance Requirements”

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.

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

“Liability and Full coverage in Canon City” 

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 CityLiability State Average
$490.76$510.15
Full Coverage Insurance in Canon CityFull Coverage CO average
$899.08$934.59

“Nearby cities and neighborhoods”

Does 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, ColoradoCities Near Canon CityZip Codes in Canon City
Prospect HeightsOlathe, CO81401
City CenterRidgway, CO81220
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.

1Ford F-Models
2Dodge
3Toyota
4Honda
5Ford
6Acura
7Audi
8Lexus
9Volvo
10Hyundai
11Buick
12GMC

” Violations” 

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 NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
ParkingNon MovingNA*
SpeedingMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Improper Lane useMinor3 Years
Expired TagsNon MovingNA*
Driving without a LicenseMajor3 Years
No Proof of insuranceNon MovingNA*
Using a Cell Phone with DrivingMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
At Fault AccidentMajor5 Years
DUIMajor10 Years

“Discounts Available” 

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 ratesDiscounts Available
MildPaperless Discount
HighAuto Pay
MildMilitary
MildMulti Policy
HighNo Accidents or Violations
MildEducation Discount
HighAdvanced Quote
MildMulti Vehicle
MildMarried

“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 DiscountPaid in Full
MilitaryNo Accidents or Violations
MarriedAuto Pay
Continuous InsuranceMulti Vehicle
Multi PolicyContinuous Insurance
Paperless DiscountMarried
HomeownersMilitary
Advanced QuoteHomeowners
Multi VehicleMulti Policy
No Accidents or Violations 
Paid in Full 
Auto Pay 

“Sample Rates” 

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”

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” 

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. Here is a link that shows different DMV locations near Canon City… https://driversed.com/dmv/colorado/canon-city.aspx.

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

“Insurance Rating factors” 

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?
FactorRate Impact
vehicle performance (symbol)Medium
How long have you owned the vehicleLow
vehicle safety featuresMedium
lien holderNone
Insurance HistoryMedium
AgeHigh
LocationMedium
Vehicle Make and ModelMedium
Credit historyHigh
Color of carnone
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Last Updated on September 1, 2021 by Katie Sopko

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