- Golden Auto Insurance
- Car Insurance In Golden, CO
- Auto Insurance Rating Factors In Golden CO
- Your Credit and How it Affects Your Insurance Premiums
- Liability and Full Coverage Auto Insurance in Golden, CO
- We save our client in Golden an average of $591.55
- How Violations affect your insurance rates In Golden CO
- Liability Insurance Requirements for Golden
- Auto Insurance Company Ratings AM Best, and JD Power
- Insurance Discounts from Each Company
- Frequently Asked Questions About Auto Insurance in Golden, CO
Car Insurance In Golden, CO
We are here to help you shop for the best car insurance rates in Golden, CO…we know it’s a hassle! So here’s what you need to know:
Auto Insurance Rating Factors In Golden CO
Lots of things can affect your auto insurance rates. Take a look at the chart below to see how each factor affects you.
If you noticed…one of the highest factors is your credit history.
The number of drivers on your account, gender, your type of vehicle and your insurance history has a medium effect.
Your education, annual mileage, and profession have a low effect.
Some factors that people think matter but have no affect at all are the color of your vehicle and if a lien holder is added.
| Insurance Rating Factors | Level of Impact |
|---|---|
| Education | Low |
| vehicle safety features | Medium |
| Color of car | none |
| vehicle performance (symbol) | Medium |
| Gender | Medium |
| Driving record | High |
| Insurance History | Medium |
| Profession | Low |
| Major Violations (DUI,DWI,etc) | High |
| Location | Medium |
Your Credit and How it Affects Your Insurance Premiums
It can’t be emphasized enough…credit has a big impact on your auto insurance rates.
Your car insurance carrier is going to look at your credit score and see how well you are keeping up with it. That is going to determine how reliable you are at making payments and if you will be at a higher risk of filing claims.
In Golden, CO an excellent score could get you a rate of $120.99 while a poor score is around $232.17.
| Level Of Impact Credit Has On Your Premium | Average Insurance Premium |
|---|---|
| Excellent | $114.33 |
| Good | $128.83 |
| Average | $155.12 |
| Poor | $219.39 |
Liability and Full Coverage Auto Insurance in Golden, CO
One of the most commonly asked questions from insurance consumers is “how do I know whether to purchase full coverage or just the state minimum liability?”
Try our full coverage calculator
To put it simply, the answer depends on your situation and a few different factors. Are you making payments on the vehicle? Chances are your financial institution will require you to carry full coverage on your auto insurance policy to protect not only yourself and the vehicle, but the Lien Holder as well.
If your vehicle is 10 years old or more and you own the vehicle outright, the choice of coverage is really up to you, and what you can afford. See the data below to find out the premiums for both coverages in your area.
| Liability Insurance Rates In Golden, CO | Liability Insurance State Average |
|---|---|
| $571.37 | $510.15 |
| Full Coverage Insurance in Golden, CO | Full Coverage Insurance State Average |
|---|---|
| Full Coverage Insurance in Golden | Full Coverage CO average |
| $1,046.75 | $934.59 |
We save our client in Golden an average of $591.55
Everyone is looking to save money or get a discount on pretty much any product nowadays.
Why should Auto Insurance be different? At A Plus insurance we work hard to save you money, shopping multiple companies and applying any discounts a prospect can be eligible for.
Always ask your agent what discounts are available to you. In addition, when coming up on a renewal period on your policy, ask your agent to reshop the rates for you, just to make sure you have the best rates!
See the table below to see what you can do with all those saved dollars!
| Number of Candy bars you could buy | 435 |
|
Months of Netflix you could afford with your savings
| 43 |
| Number of Peanuts you could buy | 107568 |
How Violations affect your insurance rates In Golden CO
Violations can make or break your auto insurance ratings. Some can affect them for as little as 3 years and up to 10 years. The chart below shows minor and major violations and how long they will affect you. Driving without a license, a DUI, and reckless driving are major violations and can affect you for 10 years. Things like driving with your phone or not using your turn signal, speeding and or running a stop sign are considered minor and they can last for about 5 years. See the chart below for others.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Improper Lane use | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Non-At-Fault Acccident | Minor | NA* |
| DUI | Major | 10 Years |
| Reckless Driving | Major | 5 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Failure to Yeld | Minor | 3 Years |
| Speeding | Minor | 3 Years |
Liability Insurance Requirements for Golden
In Golden, Co it is required by law to have your auto liability limits at $25,000 for bodily injury per person in an accident, $50,000 bodily injury for all people in an accident and $15,000 for property damage in any accident (25/50/15).
Liability coverage for auto insurance is going to help pay for the cost of someone else damage if you are in an at fault accident. That would include property damage and any medical cost that your insurance carrier will pay up to those amounts.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| Colorado | 25/50/15 | $510 |
Auto Insurance Company Ratings AM Best, and JD Power
When it comes to a good company rating, research shows financial stability is what makes a company so great.
As the chart shows below…some of the few insurance companies with the greatest ratings with an A++ is Geico, State Farm, and Automobile Club Group and below those are some popular ones like Progressive, MetLife, Auto Owners Insurance and Amica Mutual. And Finally, just to name a few for A ratings are Liberty Mutual, MAPFRE Insurance and Farmers. You can also see the Power Claims they have filed as well.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| Liberty Mutual Insurance | 857 | A |
| MAPFRE Insurance | 842 | A |
| Progressive Auto Insurance | 856 | A+ |
| Esurance | 844 | A+ |
| MetLife | 867 | A+ |
| GEICO Auto Insurance | 879 | A++ |
| Farmers Insurance | 865 | A |
| NJM Insurance Co. | 855 | A+ |
| State Farm | 878 | A++ |
| Automobile Club Group | 857 | A++ |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| Amica Mutual | 898 | A+ |
| Auto-Owners Insurance | 870 | A+ |
Insurance Discounts from Each Company
Yes! You can get discounts on your auto insurance policies!
Each company is different, however there are a few popular ones.
We are going to compare the companies Assurance America and Bristol West.
Let us start with Assurance America discounts…You can save on your auto insurance policy if you meet the following requirements: No accidents, if you are a homeowner, sign up for auto pay, pay in full, marriage status, multi vehicle and having continuous insurance.
Now, Bristol West… they have similar but a few different discount options: Multi vehicle and policy, homeowners, paid in full, married, advanced quote, continuous insurance, auto pay and no accidents or violations.
Contact your insurance carrier today to see what discounts you may qualify for.
Assurance America | Bristol West |
|---|---|
| No Accidents or Violations | Multi Vehicle |
| Homeowners | Multi Policy |
| Auto Pay | Homeowners |
| Paid in Full | Paid in Full |
| Married | Married |
| Multi Vehicle | Advanced Quote |
| Continuous Insurance | Continuous Insurance |
| No Accidents or Violations | |
| Auto Pay |
Tips for Unlocking Exclusive Discounts on Home and Auto Insurance in 2025
- Bundle Your Home and Auto Insurance for Maximum Savings
One of the easiest ways to get exclusive discounts on insurance in 2025 is to bundle your home and auto policies. Many insurance companies offer significant savings when you combine multiple lines of coverage.
Key Benefit: Save up to 25% on both policies by bundling.
Call us at 1.888.445.2793 to learn more. Text Us - Install Safety Devices to Lower Premiums
Installing safety devices such as smoke detectors, home security systems, and vehicle anti-theft devices can significantly reduce your premiums. These devices lower the risk for insurers, translating to discounts for you.
Key Benefit: Discounts of up to 15% on home and auto insurance.
Call us at 1.888.445.2793 for advice on eligible devices. Text Us - Take Advantage of Loyalty Discounts in 2025
Many insurance companies reward long-term customers with loyalty discounts. If you’ve been with the same provider for several years, you may be eligible for reduced rates on your policies.
Key Benefit: Save 5% to 10% with loyalty rewards.
Call us at 1.888.445.2793 to check your eligibility. Text Us - Enroll in Usage-Based Auto Insurance Programs
Usage-based insurance programs, such as Progressive’s Snapshot, allow you to save money by monitoring your driving habits. Safe drivers can enjoy lower premiums based on their driving behavior.
Key Benefit: Potential savings of up to 30% on auto insurance.
Call us at 1.888.445.2793 to explore your options. Text Us
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Frequently Asked Questions About Auto Insurance in Golden, CO
Q1: What are the minimum auto insurance requirements in Golden, Colorado?
A1: In Golden, Colorado, the minimum auto insurance requirements typically include liability insurance with specific coverage limits. It’s important to check with a licensed insurance agent in Golden to ensure you meet the legal requirements.
Q2: How can I find affordable auto insurance rates in Golden, CO?
A2: To find affordable auto insurance rates in Golden, CO, consider comparing quotes from multiple insurance companies. Additionally, factors like your driving history, the type of coverage you choose, and discounts you qualify for can impact your rates.
Q3: What should I do if I’ve been involved in an auto accident in Golden?
A3: If you’ve been involved in an auto accident in Golden, it’s important to first ensure your safety and the safety of others. Then, contact your insurance company to report the incident. Your insurance agent can guide you through the claims process and provide assistance.
Q4: Who typically has the cheapest insurance?
A4: The cheapest insurance often varies based on individual circumstances. Younger drivers, for instance, may find more competitive rates with companies that specialize in high-risk coverage. It’s beneficial to compare quotes from various insurance companies to find the most affordable option for your specific needs.
Q5: What is the cheapest full coverage car insurance?
A5: The cheapest full coverage car insurance depends on factors like your driving record, the type of vehicle you drive, and your location. Companies like Progressive, The General, and Bristol West often offer competitive rates for full coverage. It’s advisable to get an insurance quote tailored to your situation for the most accurate pricing.
Q6: Is $500 a lot for car insurance?
A6: Whether $500 is a lot for car insurance depends on various factors, including the type of coverage, your vehicle, driving history, and location. In some cases, $500 might be a standard rate, while in others, it could be considered high. It’s important to compare insurance rates and consider factors like discounts and coverage options to determine if it’s a reasonable amount for your situation.
Last Updated on by Brian Muse