Insurance Berkley Hills

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Car Insurance Berkley Hills

Liability and full coverage rates in Berkley Hills

Below, you’ll see the average liability insurance rates and full coverage insurance rates in Berkley Hills vs the state average. Berkley hills is cheaper for both liability and full coverage than the over all average for the state. This can vary depending on the rating factors, and the optional coverages you may add on to either coverage.

Average Annual Insurance Rates in Berkley Hills
Liability Insurance rates in Berkley HillsLiability State Average
Full Coverage Insurance in Berkley HillsFull Coverage CO average

Your credit and how it impacts your insurance rates

Credit Impact on Insurance rates in Berkley Hills
Average Premium by Score

Your credit score impacts quite a few important aspects in your life, for instance buying a home and a vehicle. Did you know that it can also impact your auto insurance rates? Yes, depending on your credit score, it can affect your rates for better or worse. Each insurance company is different, but we have some numbers here for average rates by credit score.

Berkley Hills weather and driving conditions

The driving conditions in Berkley, Colorado are usually moderate. Summer temperatures range around 88 degrees, while the winter months average about 18 degrees. In the winter months, with rain and snow, its advised to prepare for the weather conditions and give yourself and the vehicle in front of you extra space in case someone stops suddenly you’ll have extra room to correct.

Berkley, Colorado
Summer high: The July high is around 88 degrees
Winter Low: The January low is 18.9 degrees
Rain: 18.1 Inches of rain a year
snow: 65 inches of snow per year

Discounts available per company in Berkley Hills

TravelersThe General
Paid in FullMarried
MarriedNo Accidents or Violations
Multi VehicleAuto Pay
No Accidents or ViolationsHomeowners
HomeownersPaid in Full
Multi PolicyMulti Vehicle
Continuous InsuranceContinuous Insurance
Auto Pay

Everybody loves seeing discounts, no matter what they are. Did you know that you can receive discounts for your auto insurance? There are quite a few discounts that insurance companies offer. Are you aware of what you can be getting discounts on, or are you taking advantage of them? Look here at the chart and see what Travelers and The General offer in Berkley Hills, CO.

Top 10 vehicles we insure in Berkley Hills

Jeep is the top insured vehicle in Berkley Hills, Colorado while the Lexus is last on the list. Jeeps have great safety features making them a favorite of all types of people. They are great for off roading, commuting, or the occasional weekend drive. Lexus is an expensive vehicle to insure because the cost of parts is expensive.

8Ford F-Models

Do age and gender affect your insurance rates?

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

It’s true what they say, good things come with age. The same thing could be applied to your auto insurance rates. The older you get, the cheaper you can see that your rates are. Age and gender do in fact have an impact on your auto rates. If you look at the chart here, we have some pricing for male and female and what the rates look like in Berkley Hills, CO by age.

Sample rates in Berkley Hills

When shopping around for auto insurance, you are likely going to call a few places and see which best fits your needs. There are quite a few factors that insurance companies take into consideration when giving rates. As you can see on the chart below, we have listed some sample quotes so you can see the differences in what can impact rates.

Sample Rates in Berkley Hills, Colorado
Sample Quote/ policy location: Berkley Hills
Agent :Katie
Current Company: Bristol West
Previous Company: None
Who: Driver Age: 55 Vehicle: Chevrolet 2500 HD Regular Cab
Type of coverage: full coverage , uninsured motorist
Notes: multiple lines, proof of insurance
Rate: $312
Sample Quote/ policy location: Berkley Hills
Agent :Crystal
Current Company: Dairyland
Previous Company: the General
Who: resident Age: 58 Vehicle: Lincoln Mark VII
Type of coverage: broad form , state min
Notes: estimate, print
Rate: $328
Sample Quote/ policy location: Berkley Hills
Agent :Jola
Current Company: Liberty Mutual
Previous Company: Liberty Mutual
Who: Age: 42 Vehicle: Lincoln Zephyr
Type of coverage: non owners , sr22
Notes: id cards, online
Rate: $215
Sample Quote/ policy location: Berkley Hills
Agent :Jola
Current Company: Mendota
Previous Company: Safeco
Who: male Age: 26 Vehicle: Ford Econoline E350 Super Duty Passenger
Type of coverage: liability , med pay
Notes: DUI, estimate
Rate: $238
Sample Quote/ policy location: Berkley Hills
Agent :Shawn
Current Company: Progressive
Previous Company: American Family
Who: Female Age: 55 Vehicle: Lincoln Aviator
Type of coverage: auto insurance , med pay
Notes: now, Discount
Rate: $240
Sample Quote/ policy location: Berkley Hills
Agent :Amy
Current Company: Mendota
Previous Company: Progressive
Who: resident Age: 56 Vehicle: Chevrolet Silverado 1500 Crew Cab
Type of coverage: broad form , sr22
Notes: Ticket, online
Rate: $232

Cheapest liability insurance rates in Berkley Hills

RankCompanyAverage price
1Dairyland (Viking)$82.00
5Liberty Mutual$111.00
6Bristol West$119.00
7The General$123.00
We have ranked each Insurance Provider that we work with in Berkley, Colorado based on the cheapest rates they provide. Dairyland on average is the cheapest, while The General is the most expensive. Other companies like Progressive, or Travelers may be a better fit for customers given their paperless preferences, auto pay discounts, etc.

SR22 Insurance rates in Berkley

Most Insurance companies offer SR-22 filings, which are simply an attachment on an auto policy, or broad form policy to inform the DMV that you are carrying insurance, as required. Dairyland Insurance does not charge for SR-22, Bristol West charges the highest, $35 for the filing, while others charge a $25 flat rate price for the entire term.

SR22 Insurance Rates in Berkley Hills, ColoradoBelow is amount the amounts company adds to the premium to file the SR22 with the state.
CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
Gains Co$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available

Violations and how long they affect your insurance rates in Berkley Hills

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
ParkingNon MovingNA*
Reckless DrivingMajor5 Years
At Fault AccidentMajor5 Years
Driving without a LicenseMajor3 Years
Failure to YeldMinor3 Years
Failure to Use Turn SignalMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Failure to maintain Clear Distance (tailgatingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Crossing over a Center DividerMinor3 Years
Non-At-Fault AcccidentMinorNA*
Expired TagsNon MovingNA*

When you receive violations, it affects more than your driving record. It also affects your auto insurance rates. Now, there are several different kinds of violations and each affect you differently. There are major, minor, and nonmoving violations. Each come with different number of points on your record and different lengths of time that it can stay impacting your rates. Look at the chart above to see some examples.
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Last Updated on November 11, 2021 by Katie Sopko

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