AUTO – COLORADO
FORT MORGAN INSURANCE
Fort Morgan is a good place to live with a family. It is a place that one would imagine growing up or even raising kids. The little secret of Colorado and the little slice of peace!
Our goal is to provide helpful source for a resident of the municipality of Fort Morgan to be able to obtain insurance, be knowledgeable about how rates are discovered, and helpful resources to get you on the road covered.
Fort Morgan Insurance DMV Information
When it comes to obtaining auto insurance and having a vehicle, the DMV goes hand in hand. Even know you may be able to make appointments or do things online at some DMV’s. To make it easier for you we have listed below the DMV and the Registration and Title office locations for Fort Morgan, CO. Also listed is their address and as well as their phone numbers.
| Fort Morgan DMV Office |
| 231 Ensign St |
| Fort Morgan, CO 80701 |
| Phone: (970) 542-3521 |
| Fort Morgan Registration and Title Office |
| 231 Prospect St |
| Fort Morgan, CO 80701 |
| Phone: (970) 867-2647 |
Your credit and how it impacts your Fort Morgan Insurance rates
| Credit Impact on Insurance rates in Fort Morgan Average Premium by Score | |
| Excellent | $123.21 |
| Good | $138.84 |
| Average | $167.17 |
| Poor | $236.43 |
When getting auto insurance and a good rate, some insurance companies look at your credit score to determine your rate. They want to be able to see what kind of customer you are going to. So, when you do not have the greatest credit score, you will just need to expect a higher rate. Look above here to see some rates by credit score in Fort Morgan, CO.
Fort Morgan nearby cities and neighborhoods
Fort Morgan, CO is known for one of the safest places to live. So, it is a great place if you are looking for somewhere to raise kids and live as a family. There are some other cities and neighborhoods that are nearby to look at as well. Check out the chart below to see some of the listed cities and neighborhoods.
| Neighborhoods in Fort Morgan, Colorado | Cities Near Fort Morgan | Zip Codes in Fort Morgan |
| Snyder | Sterling, CO | 80701 |
| Weldona | Greeley, CO | |
| Lamb | Evans, CO | |
| Moseley | Brighton, CO |
Fort Morgan Insurance Discounts Available for Savings
| Impact on rates | Discounts Available |
| Mild | Education Discount |
| Mild | Military |
| Mild | Paperless Discount |
| High | Auto Pay |
| Mild | Multi Policy |
| Mild | Married |
| High | Paid in Full |
| Mild | Homeowners |
| Very High | Continuous Insurance |
Even with auto insurance, you can get discounts. Different insurance companies offer different discounts, but they help on your rates! I mean who doesn’t love discounts and ways to save money! We have listed some discounts available with some carriers in Fort Morgan, CO. You will also see how much of an impact these discounts can have on your rates.
Sample Insurance Rates in Fort Morgan
Below, you’ll see sample rates our agents have written policies for in Fort Morgan Colorado. We quoted a 22-year-old driver through Progressive. She had some minor violations, needed full coverage with Medical payments and her rate came out to be around $160. Another company rated a customer with extensive driving history about $345 a month
| Sample Rates in Fort Morgan, Colorado |
| Sample Quote/ policy location: Fort Morgan Agent :Shawn Current Company: Progressive Previous Company: the General Who: Driver Age: 22 Vehicle: Suzuki Reno Type of coverage: full coverage , med pay Notes: violations, violations Rate: $160 |
| Sample Quote/ policy location: Fort Morgan Agent :Crystal Current Company: Travelers Previous Company: Mendota Who: client Age: 65 Vehicle: Cadillac Escalade EXT Type of coverage: full coverage , sr22 Notes: estimate, accidents Rate: $316 |
| Sample Quote/ policy location: Fort Morgan Agent :Amy Current Company: Mendota Previous Company: Bristol West Who: Age: 64 Vehicle: Pontiac Montana SV6 Type of coverage: auto insurance , uninsured motorist Notes: Driver, accidents Rate: $335 |
| Sample Quote/ policy location: Fort Morgan Agent :Shawn Current Company: Dairyland Previous Company: Geico Who: insured Age: 37 Vehicle: Hyundai XG350 Type of coverage: car insurance , sr22 Notes: Discount, by phone Rate: $345 |
| Sample Quote/ policy location: Fort Morgan Agent :Shawn Current Company: Progressive Previous Company: Allstate Who: client Age: 40 Vehicle: Chevrolet 3500 Bonus Cab Type of coverage: non owners , state min Notes: rates, policies Rate: $253 |
| Sample Quote/ policy location: Fort Morgan Agent :Amy Current Company: The General Previous Company: State Farm Who: Driver Age: 29 Vehicle: Mitsubishi Precis Type of coverage: full coverage , sr22 Notes: Price, automobile Rate: $192 |
SR22 Insurance rates in Fort Morgan
| SR22 Insurance Rates in Fort Morgan, Colorado | |
| Below is amount the amounts company adds to the premium to file the SR22 with the state. | |
| Company | Average (SR22 Fee) |
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gains Co | $25 |
| Mendota | $25 |
| Progressive | 5% (average) |
| State Farm | SR22 Not available |
| The General | $25 |
| Travelers | SR22 Not available |
Fort Morgan Insurance Cheapest Liability Rates
Dairyland is a top contender with the cheapest liability rates in Fort Morgan, Colorado, while Liberty Mutual is not as competitive averaging around $139 for basic liability. Rates do vary based on your driving record, age, gender, location, and type of vehicle. A woman in her 50s with a speeding ticket may have cheaper rates than a teenage male.
| Rank | Company | Average price |
| 1 | Dairyland (Viking) | $85.00 |
| 2 | Progressive | $95.00 |
| 3 | Bristol West | $102.00 |
| 4 | The General | $105.00 |
| 5 | Mendota | $113.00 |
| 6 | Travelers | $114.00 |
| 7 | Liberty Mutual | $139.00 |
Fort Morgan Insurance company ratings in Am Best and JD Power
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
| GEICO Auto Insurance | 879 | A++ |
| Nationwide | 867 | A+ |
| Auto-Owners Insurance | 870 | A+ |
| Amica Mutual | 898 | A+ |
| Travelers | 865 | A++ |
| Progressive Auto Insurance | 856 | A+ |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| MetLife | 867 | A+ |
| COUNTRY Financial | 896 | A+ |
| Mercury | 837 | A |
| Farmers Insurance | 865 | A |
| MAPFRE Insurance | 842 | A |
| The Hartford (AARP insurance) | 873 | A+ |
When shopping around for important things needed in our life, we usually will look up ratings and reviews. Why should auto insurance be any different? When looking around for the best auto insurance for you, you will want a company that has excellent ratings and reviews. You want to be ensured that you will always experience the best customer service. Above is a list of some companies and their ratings in Fort Morgan, CO.
Violations and how long they affect your Insurance rates in Fort Morgan
Violations can affect your insurance rates based on the severity (how many points). Minor Violations, such as failure to yield, or failure to use turn signal stay on your driving record for 3 years. Larger violations, such as At Fault Accidents, DUI’s, or reckless driving tickets will stay on for 5 years.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| No Proof of insurance | Non Moving | NA* |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Failure to Use Turn Signal | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Parking | Non Moving | NA* |
| Failure to Yeld | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
Cheapest full coverage Insurance rates in Fort Morgan
| Rank | Company | Average price |
| 1 | Bristol West | $126.00 |
| 2 | Mendota | $134.00 |
| 3 | Progressive | $144.00 |
| 4 | The General | $163.00 |
| 5 | Travelers | $163.00 |
| 6 | Dairyland (Viking) | $200.00 |
| 7 | Liberty Mutual | $201.00 |
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Last Updated on by Lauren Mckenzie