Golden Auto Insurance

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Let’s Work Together! A Plus Insurance Can Help You Shop For the Cheapest Auto Rates.

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 FactorsLevel of Impact
vehicle safety featuresMedium
Color of carnone
vehicle performance (symbol)Medium
Driving recordHigh
Insurance HistoryMedium
Major Violations (DUI,DWI,etc)High

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 PremiumAverage Insurance Premium

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?”

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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, COLiability Insurance State Average

Full Coverage Insurance in Golden, CO Full Coverage Insurance State Average
Full Coverage Insurance in GoldenFull Coverage CO average

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 buy435
Months of Netflix you could afford with your savings
Number of Peanuts you could buy107568
Tired of creating multiple email accounts for free trials to Netflix or Hulu? Just save more on auto insurance and start paying for your streaming service!

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 NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Improper Lane useMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Use Turn SignalMinor3 Years
Driving without a LicenseMajor3 Years
Failure to Use a Seat BeltNon MovingNA*
Non-At-Fault AcccidentMinorNA*
DUIMajor10 Years
Reckless DrivingMajor5 Years
Crossing over a Center DividerMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
Failure to YeldMinor3 Years
SpeedingMinor3 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.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage

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.

Liberty Mutual Insurance857A
MAPFRE Insurance842A
Progressive Auto Insurance856A+
GEICO Auto Insurance879A++
Farmers Insurance865A
NJM Insurance Co.855A+
State Farm878A++
Automobile Club Group857A++
Auto Club of Southern California Insurance Group866A+
Amica Mutual898A+
Auto-Owners Insurance870A+

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 ViolationsMulti Vehicle
HomeownersMulti Policy
Auto PayHomeowners
Paid in FullPaid in Full
Multi VehicleAdvanced Quote
Continuous InsuranceContinuous Insurance
 No Accidents or Violations
 Auto Pay
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Last Updated on by Alexis Karapiperis

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