Insurance Clifton CO

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Auto Insurance in Clifton CO

Sample Insurance rates In Clifton CO

Car insurance is a necessity in almost every state here in the U.S. Knowing how and where to go about finding the proper coverage to suit your needs can be daunting. The good news is A Plus Insurance compares car insurance quotes from multiple companies, and then we choose the cheapest rates for you! Car insurance rates vary of course depending upon the individual and the vehicle they need insured. See the data below for some examples of rates in Clifton Colorado.

Sample Rates in Clifton, Colorado
Sample Quote/ policy location: Clifton
Agent :Lauren
Current Company: Viking
Previous Company: Safeco
Who: Age: 67 Vehicle: Dodge Caliber
Type of coverage: liability insurance , state min
Notes: high risk, coverage
Rate: $307
Sample Quote/ policy location: Clifton
Agent :Sy
Current Company: Dairyland
Previous Company: none
Who: Age: 43 Vehicle: Mercedes-Benz 500E
Type of coverage: liability insurance , state min
Notes: multiple lines, rates
Rate: $343
Sample Quote/ policy location: Clifton
Agent :Katie
Current Company: Progressive
Previous Company: American Family
Who: Homeowner Age: 56 Vehicle: Chevrolet Colorado Extended Cab
Type of coverage: broad form , uninsured motorist
Notes: quotes, Speeding
Rate: $256
Sample Quote/ policy location: Clifton
Agent :Jola
Current Company: Suncoast
Previous Company: Sentry
Who: Homeowner Age: 31 Vehicle: Dodge Monaco
Type of coverage: full coverage , med pay
Notes: accidents, deductible
Rate: $202
Sample Quote/ policy location: Clifton
Agent :Lauren
Current Company: Progressive
Previous Company: the General
Who: Homeowner Age: 62 Vehicle: Ford F150 Regular Cab
Type of coverage: broad form , sr22
Notes: snapshot, multiple lines
Rate: $145
Sample Quote/ policy location: Clifton
Agent :Lauren
Current Company: Bristol West
Previous Company: State Farm
Who: Female Age: 58 Vehicle: Chevrolet Silverado (Classic) 2500 HD Crew Cab
Type of coverage: non owners , med pay
Notes: estimate, deductible
Rate: $190

SR-22 Insurance in Clifton, CO

SR-22 is a certificate that shows you carry auto insurance; it will also show that you carry the state’s minimum coverage for a certain amount of time. Every state is different and the cost of it is different in every state. Some auto insurance carriers do not even file with it. If you look at the chart below you will see the SR22 Insurance Rates for Clifton, CO. Listed are a few popular insurance carriers and it shows what the filing cost is or if they even file with it or not. You can even contact your agent about this topic for more information.

SR22 Insurance Rates in Clifton, Colorado
Below 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
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available

Insurance rating factors in Clifton

Many people are surprised how many factors actually make up auto insurance rates. One of the most common misconceptions is the mileage an individual drives is a very low factor in making up your insurance premium. Something that is often overlooked is an individual’s zip code. The higher population a city has, the higher your insurance rates will be in that area. A marital discount is not a very impactful factor either. Some other factors in Clifton Colorado can be seen below.

FactorRate Impact
Anual MileageLow
Insurance HistoryMedium
vehicle performance (symbol)Medium
EducationLow
anti theft deviceLow
AgeHigh
Type of Vehicle CoverageMedium
vehicle safety featuresMedium
Credit historyHigh
Marital StatusMedium

Insurance Company Ratings AM Best, and JD Power

When it comes to auto insurance, you have many options out there. So, really it will come down to the best rates, best customer service and sometimes who has the better ratings. Below you can see a chart for insurance companies and how they are ranked in Clifton, CO. In Clifton, a few of the insurance carriers that have the greatest rankings are State Farm, USAA, Automobile Club Group, and Travelers. They all scored a A++. Check out the rest of the list and see how the other companies rank.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Liberty Mutual Insurance857A
CSAA Insurance Group847A
State Farm878A++
USAA900A++
Automobile Club Group857A++
MAPFRE Insurance842A
Travelers865A++
Safeco (A division of Liberty Mutual)855A
Progressive Auto Insurance856A+
The Hartford (AARP insurance)873A+
Erie Insurance879A+
MetLife867A+
American Family Insurance857A

Cheapest liability insurance rates in Clifton

Liability insurance is coverage that will help pay for the cost of another driver’s medical injuries and their property that was damaged due to an accident that was your fault. Your insurance carrier will pay out for that up to the covered limit you have. In Clifton, CO you can find liability coverage at a range of pricing. If you look at the chart below, there are 7 insurance companies that are ranked from the cheapest rate to the most expensive.

RankCompanyAverage price
1Dairyland (Viking)$81.00
2Progressive$93.00
3Liberty Mutual$120.00
4The General$120.00
5Bristol West$126.00
6Mendota$128.00
7Travelers$134.00

Your Credit and how it affects your insurance premiums

Like many aspects in your life, your credit score affects you. It is a big factor when it comes to your auto insurance rates. The insurance carrier is going to want to see that you are reliable in not only payments, but they will also determine your history on if you will be a risk for them to take on or not. Your score can say a lot about you. Below is a chart that shows what your insurance rates could look like in Clifton, CO depending on your score.

Credit Impact on Insurance rates in Clifton
Average Premium by Score
Excellent$119.88
Good$135.09
Average$162.65
Poor$230.04

Dmv Addresses and Phone Numbers

No one likes going to the Department of Motor Vehicles. We all put off going when we purchase a new vehicle or need to renew our license. With the COVID-19 pandemic, trips to the DMV are even more tumultuous. Make sure to check with your local branch to see what safety protocols are in place. Most DMV branches in Colorado do require you to make an appointment ahead of time. Below are the addresses for the local Clifton drivers license office and registration office.

https://clerk.mesacounty.us/mv

Clifton Registration & Titling
200 S Spruce St
Grand Junction, CO 81501
(970)244-1664
Clifton Driver’s License Office
3225 I-70BL Unit A2
Clifton, CO 81520
(970)244-1664

How Driving Violations affect Auto Insurance In Clifton

Another factor that can affect your rates are violations. Some violations are much more serious than others. It would only make sense that some of the major violations have a big impact on your auto insurance rates and can impact them for many years. Wonder which violations can do what to your rates and how long? Let us look at the chart down below for violations in Clifton, CO and how long they can affect your insurance rates depending on if they are major or minor violations.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Improper Lane useMinor3 Years
ParkingNon MovingNA*
Running a Traffic Light or Stop SignMinor3 Years
At Fault AccidentMajor5 Years
Reckless DrivingMajor5 Years
Failure to Secure Load to truck/trailerMinor3 Years
DUIMajor10 Years
Driving without a LicenseMajor3 Years
Failure to YeldMinor3 Years
No Proof of insuranceNon MovingNA*
Failure to Use a Seat BeltNon MovingNA*
Expired TagsNon MovingNA*

How age and gender affect your insurance rates

Do age and gender affect your auto insurance rates? The short answer is, yes! Age and gender affect many areas of our everyday life, auto insurance is no different. One of the most common questions an insurance agent gets is- “why is my insurance so high?” The reason why age matters in your insurance premium is because the younger you are, the less experience you have driving a vehicle. Naturally, you are looked upon as a higher risk by an insurer. Many studies show that females are more cautious drivers when compared to males. Naturally, females pay less than males for their auto insurance.

AgeMaleFemale
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 rates in Clifton

When you require full coverage on your vehicle it can be difficult, and time consuming to find an insurance company with a fair, and affordable rate. You might need full coverage because you are financing a vehicle, or because you have a newer or more valuable car that you want to protect. Either way, A Plus insurance is here to help assist with all of your auto insurance needs. Below you will see where some of our company’s stand for full coverage rates in Clifton, Colorado.

CompanyAverage price
Bristol West$131.00
The General$136.00
Travelers$138.00
Progressive$142.00
Mendota$149.00
Dairyland (Viking)$195.00
Liberty Mutual$195.00

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Last Updated on August 30, 2021 by Katie Sopko

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