Highlands Ranch, CO
If you’re looking for insurance in Highlands Ranch START HERE: 25/50/15 for you State Required Liability to get you started and legal on the road.
The chart below shows the average cost for state minimum liability insurance in Highlands Ranch, CO by each carrier.
| Carrier | Price |
|---|---|
| Dairyland | $69 |
| Mendota Ins. Company | $86 |
| Geico | $95 |
| The General | $95 |
| Progressive Insurance | $98 |
| National General | $99 |
| Assurance America | $107 |
| USAA | $115 |
| 21st Century | $116 |
| Travelers | $118 |
| Bristol West | $119 |
| Nationwide | $135 |
| Liberty Mutual | $138 |
| Acceptance RTR | $139 |
| State Farm | $143 |
Insurance Discounts Available In Highlands Ranch
Insurance discounts vary depending upon the insurance company. Some common discounts offered are as follows : Paperless discount, multi vehicle, and multi policy discount.
These all have a mild impact on the rate saving anywhere from $2-$5 a month on average. Heavily weighted discounts, such as Paid in Full and Auto pay will offer the most savings.
Depending on the total premium, you could save $100-$200 if Paid in Full.
| Impact on rates | Discounts Available |
|---|---|
| Mild | Homeowners |
| Mild | Multi Policy |
| Mild | Military |
| Mild | Education Discount |
| High | Paid in Full |
| Mild | Multi Vehicle |
| High | Auto Pay |
| Mild | Paperless Discount |
| Mild | Married |
Insurance Ratings Factors In Highlands Ranch
Rating factors are used to determine the risk of each individual and is used to calculate the premium. A customer with a Major Violation, such as a DUI or At Fault Accident, will pay more in insurance than a customer with no major violations.
Insurance companies’ figure if a person has several accidents, they are likely to get into another accident, therefore are not a favorable risk. Insurance companies want low risk clients with safe driving records.
What Rating Factors Affect Your Insurance Rates?
| Factor | Rate Impact |
|---|---|
| Major Violations (DUI, DWI, etc) | High |
| Vehicle Performance (Symbol) | Medium |
| Color of Car | None |
| Anti Theft Device | Low |
| How Many Drivers Per Vehicles Listed | Medium |
| Education | Low |
| Marital Status | Medium |
| Lienholder | None |
| Claims History | Medium |
| Age | High |
Your Credit And How It Impacts Your Insurance Rates
Some people may not know, credit impacts your car insurance rates, as it does for a lot of things.
A customer with Excellent credit is seen as someone who makes their payments on time and is reliable. On average, a customer with Excellent credit will pay $134 a month whereas someone with poor credit will pay $257 for the same exact coverage.
Credit Impact on Insurance rates in Highlands Ranch
| Average Premium by Score | Average Cost |
|---|---|
| Excellent | $134.31 |
| Good | $151.35 |
| Average | $182.23 |
| Poor | $257.73 |
How Age And Gender Affects Your Auto Insurance Rates
On average, males pay more for car insurance in their teens to their 50s, then they start to pay less than females.
Females are considered safer drivers, and do not cause as much damage as males do in an accident.
Statistically, older experienced drivers are safer on the road and get into less accidents. These customers are more favorable to insurance companies because the risk is lower, which in return they are offered a lower rate.
| 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 |
Cheapest Full Coverage Insurance In Highlands Ranch
The top three cheapest insurance companies that we work with in Highlands Ranch Colorado, for full coverage are Bristol West, Mendota, and Progressive. They offer full coverage rates ranging $139 to $144 a month.
The highest full coverage rates we found was from Dairyland Insurance. Of course, the rates do vary upon the risk, vehicle characteristics, and coverages desired.
| Rank | Company | Average Price |
|---|---|---|
| 1 | Bristol West | $139.00 |
| 2 | Mendota | $143.00 |
| 3 | Progressive | $144.00 |
| 4 | Travelers | $148.00 |
| 5 | The General | $149.00 |
| 6 | Liberty Mutual | $189.00 |
| 7 | Dairyland (Viking) | $214.00 |
Liability And Full Coverage Rates In Highlands Ranch
Typical liability rates in Highlands Ranch, Colorado are $457 per year, where as on average for the state it is $510 for the year.
Smaller towns/cities generally pay less in insurance because the accident rates are lower than in the larger cities.
Average Annual Insurance Rates in Highlands Ranch
| Liability Insurance Rates in Highlands Ranch | Liability State Average |
|---|---|
| $457.45 | $510.15 |
Full coverage rates for the year average about $879, that breaks down to be $73 a month on full coverage insurance.
| Full Coverage Insurance in Highlands Ranch | Full Coverage CO average |
|---|---|
| $879.63 | $934.59 |
Company Ratings AM Best And JD Power In Highlands Ranch
Insurance companies are rated by AM Best and JD Power. The highest company’s rated are State Farm and USAA. These companies are rated on several factors, including their customer service, claims department, discounts offered, etc.
It is important to research an insurance company to determine if they will be a good fit for you. Companies with higher rating factors are likely to take care of their customers better, even if the price is a little higher.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| State Farm | 878 | A++ |
| USAA | 900 | A++ |
| Liberty Mutual Insurance | 857 | A |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| Travelers | 865 | A++ |
| Nationwide | 867 | A+ |
| Farmers Insurance | 865 | A |
| Erie Insurance | 879 | A+ |
| Amica Mutual | 898 | A+ |
| Mercury | 837 | A |
| Automobile Club Group | 857 | A++ |
| COUNTRY Financial | 896 | A+ |
| Esurance | 844 | A+ |
Top Vehicles We Insure In Highlands Ranch
The top vehicles we insure in Highlands Ranch, Colorado are listed below.
Number one on the list is the Acura, whereas Hyundai is last. The list varies city to city and state to state. Usually, you see a plethora of the same car on the road if it is more affordable and reliable than others. Subaru is ranked number 2 in Highlands Colorado.
| 1 | Acura |
| 2 | Subaru |
| 3 | Audi |
| 4 | Ford F-Models |
| 5 | BMW |
| 6 | Toyota |
| 7 | GMC |
| 8 | Mazda |
| 9 | Honda |
| 10 | Chevrolet |
| 11 | Buick |
| 12 | Hyundai |
Highlands Ranch Weather And Driving Conditions
Driving conditions should be taken into account when leaving your home. On average, the weather in Highlands Ranch, Colorado is high temps of 87 degrees. In the winter months, you could see up to 78 inches of snow per year.
When driving in snowy conditions, drivers should give themselves more time and drive cautiously on the road. Leaving an extra 2 car lengths between you and the person in front of you could be the difference between an accident and not.
| Highlands Ranch, Colorado |
|---|
| Summer high: The July high is around 87 degrees |
| Winter Low: The January low is 18 degrees |
| Rain: 19 Inches of rain a year |
| Snow: 78 inches of snow per year |
DMV Address And Phone Number For Highlands Ranch
Several things, such as renewing licenses or purchasing tags can be done online rather than making an appointment. Since COVID-19, DMVs have been especially busy and securing an appointment could take weeks, to months. You may be able to skip the hassle and find the resources online. Douglas Drivers License Office, and Colorado MV Express are both listed above.
Below are the surrounding DMV offices in Highlands Ranch, Colorado.
| Douglas Driver License Office |
|---|
| 2223 Wildcat Reserve Pkwy G1 |
| Highlands Ranch, CO 80129 |
| (303) 660-7440 |
| Colorado MV Express Kiosk |
|---|
| 2205 W Wildcat Reserve Pkwy |
| Highlands Ranch, CO 80129 |
Highlands Ranch Insurance
Here’s how you can obtain SR-22 insurance in Highlands Ranch:
1. Understand Your Requirements
In Colorado, the minimum liability insurance requirements are typically as follows:
- $25,000 for injury or death to one person in an accident.
- $50,000 for injury or death to all persons in any one accident.
- $15,000 for property damage in any one accident.
The state might require you to carry an SR-22 for reasons including but not limited to DUI convictions, serious moving violations, or driving without insurance. The usual period you need to maintain an SR-22 in Colorado is three years, but this can vary depending on your offense and court requirements.
2. Contact Insurance Providers
Not all insurance companies issue SR-22 certificates, and those that do might not offer the best rates for drivers requiring one. You should start by contacting your current insurer to see if they can issue an SR-22 and at what cost. If they can’t help or their rates become unaffordable, you’ll need to shop around.
3. Compare Quotes
Look for insurance providers that specialize in or are friendly towards drivers needing SR-22 certificates. These companies often have experience dealing with high-risk drivers and might offer competitive rates. Get multiple quotes to compare.
4. Choose a Policy
Once you find a satisfactory quote, purchase the policy. The insurance company will file the SR-22 certificate on your behalf with the Colorado Department of Revenue’s Motor Vehicle Division. There is usually a filing fee involved, which can vary.
5. Maintain Your Insurance
With an SR-22, it’s crucial not to let your insurance lapse. If your insurance is canceled or lapses, your insurer is required to notify the state, which could lead to the suspension of your driver’s license. Keep up with your payments and maintain continuous coverage for the entire period you’re required to have the SR-22.
6. Verify and Follow Up
After your SR-22 is filed, verify with the Colorado Department of Revenue that everything is in order. Keep track of how long you need to carry the SR-22 and stay in good standing to avoid further complications.
Remember, the cost of insurance with an SR-22 in Highlands Ranch or anywhere in Colorado will likely be higher than standard rates due to the high-risk nature of the driver. However, maintaining a clean driving record over time can help reduce your insurance costs in the future.
What types of insurance does A Plus Insurance offer for Highlands Ranch?
A Plus Insurance offers a range of insurance services for Highlands Ranch, including auto insurance, home insurance, life insurance, business insurance, and specialized coverage options.
How can I get a quote for insurance from A Plus Insurance in Highlands Ranch?
To get a quote from A Plus Insurance for Highlands Ranch, you can visit our website or call us directly at our office to speak with an agent who will assist you in obtaining a personalized quote.
Need assistance with insurance from A Plus Insurance for Highlands Ranch?
Feel free to call us at 1.888.445.2793 for assistance with insurance from A Plus Insurance for Highlands Ranch. Our team is here to help you with your insurance needs.
Is Colorado an expensive state for car insurance?
The cost of car insurance in Colorado can vary depending on several factors, including your location, driving history, and the coverage options you choose. While it may not be the most expensive state for car insurance, rates can vary. To get an accurate quote and find the best rates in Colorado, please contact A Plus Insurance. Our experienced agents can provide you with personalized guidance and a customized car insurance quote.
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Last Updated on by Marlon Moss