AUTO – COLORADO
Insurance Clifton
Situated in Mesa County, Clifton was named for the iconic mesa cliffs close to town. Finding a great insurance rate shouldn’t feel like cliff-diving!
Insurance Clifton- Sample Rates
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 insurance rates in Clifton 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 Insurance Clifton, Colorado |
|---|
| Sample Quote/ policy location: Clifton Agent :Lauren Current Company: Viking Previous Company: Safeco Who: Resident 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: Client 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: Male 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 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.
| Company | Average (SR22 Fee) |
|---|---|
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gains Co | $25 |
| Mendota | $25 |
| Progressive | 5% (average) |
| State Farm | SR22 Not available |
| The General | $25 |
| Travelers | SR22 Not available |
Insurance Clifton – Rating Factors mean savings or higher cost
Many people are surprised how many factors actually make up the cheapest full coverage insurance rates in Clifton. 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.
| Factor | Rate Impact |
|---|---|
| Annual Mileage | Low |
| Insurance History | Medium |
| Vehicle Performance (Symbol) | Medium |
| Education | Low |
| Anti Theft Device | Low |
| Age | High |
| Type of Vehicle Coverage | Medium |
| Vehicle Safety Features | Medium |
| Credit History | High |
| Marital Status | Medium |
Insurance Clifton – 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.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| Liberty Mutual Insurance | 857 | A |
| CSAA Insurance Group | 847 | A |
| State Farm | 878 | A++ |
| USAA | 900 | A++ |
| Automobile Club Group | 857 | A++ |
| MAPFRE Insurance | 842 | A |
| Travelers | 865 | A++ |
| Safeco (A Division of Liberty Mutual) | 855 | A |
| Progressive Auto Insurance | 856 | A+ |
| The Hartford (AARP insurance) | 873 | A+ |
| Erie Insurance | 879 | A+ |
| MetLife | 867 | A+ |
| American Family Insurance | 857 | A |
Car Insurance Clifton
Liability insurance in Clifton 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 insurance rates in Clifton 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.
| Rank | Company | Average Price |
|---|---|---|
| 1 | Dairyland (Viking) | $81.00 |
| 2 | Progressive | $93.00 |
| 3 | Liberty Mutual | $120.00 |
| 4 | The General | $120.00 |
| 5 | Bristol West | $126.00 |
| 6 | Mendota | $128.00 |
| 7 | Travelers | $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 in Clifton could look like 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 Rate – Insurance 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 insurance rates in Clifton 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 in Clifton depend on if they are major or minor violations.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Improper Lane use | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Reckless Driving | Major | 5 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| DUI | Major | 10 Years |
| Driving without a License | Major | 3 Years |
| Failure to Yeld | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Expired Tags | Non Moving | NA* |
Insurance Clifton – How age and gender affect your rates
Do age and gender affect your auto insurance Clifton 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 for your insurance rates in Clifton 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.
| 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 payments – Insurance 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 the cheapest full coverage insurance in Clifton 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 insurance rates in Clifton.
| Company | Average 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 |
Unlock Exclusive Discounts on Home and Auto Insurance for 2024
- Bundle Your Home and Auto Insurance: Insurance companies often offer exclusive savings for customers who combine home and auto policies. Call us to learn more about 2024 bundling discounts.
- Sign Up for Multi-Policy Discounts: If you have multiple vehicles or additional policies like renters or life insurance, ask about multi-policy discounts to save on overall premiums. Text Us for details on this promotion.
- Ask About New Driver Discounts for 2024: Some insurance companies are offering discounts for new or younger drivers in 2024. Call us to see if you qualify.
- Look for Low-Mileage Discounts: If you don’t drive often, low-mileage discounts can reduce your auto insurance premiums. Text Us to find out how much you could save.
- Install Safety and Security Devices: Homes and cars equipped with security systems, smoke detectors, and anti-theft devices may qualify for safety discounts. Call us for more information on these savings.
- Inquire About Loyalty Discounts: Many insurance companies offer loyalty discounts to long-term customers. If you’ve been with your insurer for a while, ask about special savings for 2024. Text Us to see if you’re eligible.
- Pay Your Premiums in Full for an Instant Discount: Paying your insurance premium in full rather than monthly can result in an immediate discount. Call us to calculate your potential savings.
- Consider Telematics for Usage-Based Discounts: Some companies offer telematics programs that monitor your driving habits and reward safe drivers with lower premiums. Text Us to find out how telematics can benefit you in 2024.
Frequently Asked Questions About Insurance in Clifton
Q1: What types of insurance products are available in Clifton?
A1: Clifton offers various insurance products, including auto insurance, home insurance, life insurance, commercial insurance, and more. The specific coverage you need depends on your individual requirements and circumstances.
Q2: How can I find affordable insurance rates in Clifton?
A2: To find affordable insurance rates in Clifton, consider comparing quotes from multiple insurance companies. Factors like your specific insurance needs, your location, and your desired coverage levels can impact your rates. A licensed insurance agent can provide guidance and help you find the most suitable policy.
Q3: What sets insurance providers in Clifton apart from others?
A3: Insurance providers in Clifton distinguish themselves through personalized service, competitive rates, and a wide range of insurance options. They are committed to finding the right coverage for their clients, whether it’s for their personal or business needs.
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Last Updated on by Camron Moss