Evans Car Insurance
How age and gender affect your 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 car insurance. See the data below to see how your age and gender affects you in Evans Colorado.
|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|
Discounts available in Evans
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!
|Impact on rates||Discounts Available|
|High||No Accidents or Violations|
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. 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++|
|Auto Club of Southern California Insurance Group||866||A+|
|CSAA Insurance Group||847||A|
|Safeco (A division of Liberty Mutual)||855||A|
|GEICO Auto Insurance||879||A++|
|Liberty Mutual Insurance||857||A|
|Allstate Auto Insurance||853||A+|
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.
|No Accidents or Violations||Military|
|Multi Vehicle||Auto Pay|
|Paid in Full||Multi Policy|
|Military||Paid in Full|
|Education Discount||No Accidents or Violations|
Dmv Addresses and Phone Numbers
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|
|Evans Registration & Titling|
|1402 North 17th Ave|
|Greeley, CO 80632|
Evans 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.
|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|
Liability and full coverage in Evans
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|
|Full Coverage Insurance in Evans||Full Coverage CO average|
We save our client in Evans an average of $597.55
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!
|New Customers in Evans, Colorado Save on Average||$597.55|
|Number of Eggs you could buy||5410|
|Pound of bananas you could buy||1157|
|Pound of Potatoes you could purchase||853|
Liability Requirements for Evans
Since 1927, Massachusetts made it a requirement to have liability insurance. After that 48 states followed their lead, including Colorado. 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|
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Last Updated on September 1, 2021 by Katie Sopko