- Evans Car Insurance
- Evans Car Insurance Liability Requirements
- Why is Car Insurance so Expensive in Colorado?
- Car Insurance Discounts Available in Evans, CO
- How age and gender affect your insurance for Evans Car Insurance
- Evans Car Insurance: Insurance Company Ratings AM Best, and JD Power
- Evans Car Insurance: Discounts by Company
- Dmv Addresses and Phone Numbers For Evans Car Insurance
- Evans Car Insurance Weather and Driving Conditions
- Evans Car Insurance Liability and Full Coverage
- FAQ
- How can Evans Car Insurance help me find the best rates?
- What sets A Plus Insurance apart from other insurance providers?
- How can I contact A Plus Insurance for more information?
- What is the cheapest car insurance in Colorado?
- Why is auto insurance so expensive in Colorado?
- What is the average cost of car insurance in Colorado?
Evans Car Insurance Liability Requirements
Since 1927, Massachusetts made it a requirement to have liability insurance. After that 48 states followed their lead, including Colorado which includes Evans car insurance as well. In Evans, CO it is required to at least have the state minimum of (25/50/15) That is $25,000 for bodily injury, $50,000 for bodily injury and $15,000 for property damage per accident. So, if you are ever in an “at fault” accident your auto insurance carrier will cover up to those limits.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| Colorado | 25/50/15 | $510 |
Why is Car Insurance so Expensive in Colorado?
Colorado’s diverse terrain and varying weather conditions pose unique risks for drivers, increasing the likelihood of accidents and claims. Additionally, the state’s rapid population growth has led to more congested roads and increased traffic incidents, further driving up insurance rates. Moreover, Colorado’s legal framework mandates certain coverage requirements, such as uninsured/underinsured motorist coverage, which can impact policy costs.
Car Insurance Discounts Available in Evans, CO
| Impact on rates | Discounts Available |
|---|---|
| High | Auto Pay |
| Mild | Paperless Discount |
| Mild | Multi Policy |
| Mild | Homeowners |
| Mild | Multi Vehicle |
| High | Advanced Quote |
| Mild | Military |
| Mild | Education Discount |
| High | No Accidents or Violations |
How age and gender affect your insurance for Evans Car Insurance
Generally, when comparing age versus gender, age does affect car insurance rates more than gender. In most cases, male drivers under the age of 18 pay the most of any group or demographic. That amount comes to almost 50% more than females at the same age. For many insurance companies, young males and young females under age 25 will pay high amounts for their Evans car insurance. See the data below to see how your age and gender affect you in Evans, Colorado.
| 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 |
Many people lose out on some great savings by not asking their agent for discounts they may be eligible for. Do some research on what discounts are available on your area or state. Also each insurance company varies and offers different discounts. For example, some companies offer a paperless discount, and some unfortunately do not. Check out the data below to see some of the discounts that are available in Evans Colorado and how high of an impact these can lower your insurance rates!
Evans Car Insurance: Insurance Company Ratings AM Best, and JD Power
AM company ratings are beneficial and informative because they rate insurance providers creditworthiness. These ratings analyze several different factors that can impact your Evans car insurance. Some of these include the rates, coverage, customer satisfaction scores, and discounts. These ratings are made with the consumer in mind to meet each individual’s needs. The data below shows some ratings for some of the top companies out there. Geico, State Farm, and USAA have the highest ratings among this list.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| Automobile Club Group | 857 | A++ |
| Esurance | 844 | A+ |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| MAPFRE Insurance | 842 | A |
| CSAA Insurance Group | 847 | A |
| Safeco (A division of Liberty Mutual) | 855 | A |
| GEICO Auto Insurance | 879 | A++ |
| Amica Mutual | 898 | A+ |
| Liberty Mutual Insurance | 857 | A |
| State Farm | 878 | A++ |
| USAA | 900 | A++ |
| Erie Insurance | 879 | A+ |
| Allstate Auto Insurance | 853 | A+ |
Evans Car Insurance: Discounts by Company
Most consumers shopping around for insurance aren’t aware of all the discounts made available to them. Now not all discounts are eligible for everyone. Make sure to ask your agent what you are personally eligible for. In the table shown below you will see two insurance companies- Progressive and Dairyland Insurance. Progressive boasts a long list of discounts. Make sure to provide your email, your prior insurance information, and whether rent or own your home for the best rate. With Dairyland, prior insurance can be a large discount, along with being a homeowner.
Progressive | Dairyland |
|---|---|
| No Accidents or Violations | Military |
| Advanced Quote | Homeowners |
| Multi Vehicle | Auto Pay |
| Homeowners | Continuous Insurance |
| Paid in Full | Multi Policy |
| Auto Pay | Married |
| Military | Paid in Full |
| Married | Multi Vehicle |
| Education Discount | No Accidents or Violations |
| Multi Policy | |
| Continuous Insurance | |
| Paperless Discount |
Dmv Addresses and Phone Numbers For Evans Car Insurance
With the DMV being closed or having new rules due to the COVID-19 pandemic, getting your vehicle to-do-list complete can be even more of a hassle. Always checkout the DMV online in your area to see what the rules at your specific branch are. Remember, vehicles must be registered in the county where you actually live. You cannot visit another branch in a different county to register your car. Below is the location and phone numbers for the local branch closest to Evans, Colorado.
| Evans Driver’s License Office |
|---|
| 2320 Reservoir Road Unit A, Greeley, CO 80634 |
| 303-205-5600 |
| Evans Registration & Titling |
|---|
| 1402 North 17th Ave, Greeley, CO 80632 |
| 970-304-6520 |
Evans Car Insurance Weather and Driving Conditions
Below you will see the driving conditions in Evans, Colorado. You can always prepare yourself for the driving conditions and help minimize the chances of an accident. It is best to plan ahead if you are taking a trip, or even driving to work. You want to leave yourself enough time to get to your destination that way you are not speeding. Always check the weather and give yourself an extra 10 minutes if the weather is not great.
| Evans, Colorado |
|---|
| Summer High: the July high is around 91 degrees |
| Winter Low: the January low is 14 |
| Rain: averages 15 inches of rain a year |
| Snow: averages 37 inches of snow a year |
Evans Car Insurance Liability and Full Coverage
What is the difference between liability and full coverage, and how do I know what I need? This is a commonly asked question. There are several options when choosing your auto insurance coverages. Typically, if you have a vehicle over 10 years old you may be paying more for full coverage insurance than what the vehicle is worth. Most people carry liability on vehicles over 10 years. If you are financing a vehicle, or if the vehicle is new you will want full coverage to make sure it is covered if anything were to happen.
| Liability Insurance rates in Evans | Liability State Average |
| $471.38 | $510.15 |
| Full Coverage Insurance in Evans | Full Coverage CO average |
| $863.57 | $934.59 |
We have averaged out the amount of savings you can get in Evans, Colorado based on our current customers premiums. The average is $597.55 a year! There are many ways we can help you save on your auto insurance. We offer discounts, several of companies to choose from and knowledgeable agents to help you through the entire process, making it very simple for you! Check out the data below to see what that savings amounts to in different currency types!
| Number of Eggs you could buy | 5410 |
| Pound of bananas you could buy | 1157 |
| Pound of Potatoes you could purchase | 853 |
| Other Insurance Guides by City |
| Cheap Car Insurance Grand Junction |
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| Car Insurance Denver |
| Car Insurance Fort Collins |
FAQ
How can Evans Car Insurance help me find the best rates?
Evans Car Insurance, a service provided by A Plus Insurance, shops multiple carriers to ensure you get the best rates tailored to your needs.
What sets A Plus Insurance apart from other insurance providers?
A Plus Insurance stands out by offering personalized service, a wide range of coverage options, and the ability to shop multiple carriers to find the best rates for you.
How can I contact A Plus Insurance for more information?
Feel free to call us at 1.888.445.2793 to speak with our insurance experts and get personalized assistance.
What is the cheapest car insurance in Colorado?
The cheapest car insurance in Colorado can vary based on individual circumstances. However, companies like Progressive and Suncoast are known for offering competitive rates. To find the most affordable option for your specific needs, it’s best to compare quotes from multiple providers.
Why is auto insurance so expensive in Colorado?
Auto insurance rates in Colorado may be higher due to factors such as increased traffic, higher incidence of claims, and environmental elements that can lead to more accidents or damage. Additionally, the cost of repairs and medical care in Colorado can contribute to higher insurance rates.
What is the average cost of car insurance in Colorado?
The average cost of car insurance in Colorado varies, but it’s generally higher than the national average. Factors such as the type of coverage (like full coverage or liability only), the driver’s age and driving history, and the make and model of the vehicle can influence the price. For the most accurate estimate, it’s advisable to get a personalized insurance quote.