AUTO – COLORADO
Insurance Fort Carson
Fort Carson, Colorado, is the Army installation known as “The Mountain Post”. Located in the Colorado Springs area, this fort is one of several important military bases and operations in the region including Peterson Air Force Base, NORAD, and the U.S. Air Force Academy.
Liability and Full Coverage Insurance Fort Carson
What is the difference between liability and full coverage? This is one of the most commonly asked questions we get as an insurance agent. Liability insurance is the state requirement to be road legal in Colorado. Those required state minimum liability limits are 25/50/25.
Full coverage includes comprehensive and collision which protects your vehicle. If you are on the fence about which coverage you prefer, or if it is a budget concern, consider asking your insurance company about just carrying comprehensive coverage without collision coverage.
Below are the rates for liability and full coverage in Fort Carson, Colorado.
| Liability Insurance rates in Fort Carson | Liability State Average |
|---|---|
| $607.08 | $510.15 |
| Full Coverage Insurance in Fort Carson | Full Coverage CO average |
|---|---|
| $1,112.17 | $934.59 |
Top 10 vehicles we insure in Fort Carson
We insure so many different models of vehicles here at A Plus Insurance. We serve in many different states and each state varies as far as what are the most popular models we insure.
We are going to look at the top vehicles we do insure in FT. Carson, CO. Jeep gets the number one spot, following that is Subaru, Toyota, GMC, Cadillac, Mazda, Ford, BMW, Nissan, Hyundai, Honda, and Ford F-models. Do not see your model listed here? Does not mean we do not insure it! Call your agent today and see how we can help you get your vehicle insured!
| 1 | Jeep |
| 2 | Subaru |
| 3 | Toyota |
| 4 | GMC |
| 5 | Cadillac |
| 6 | Mazda |
| 7 | Ford |
| 8 | BMW |
| 9 | Nissan |
| 10 | Hyundai |
| 11 | Honda |
| 12 | Ford F-Models |
SR22 Insurance Fort Carson
SR22 is a certificate that proves you have auto insurance. It is commonly known for when you have a DUI or do not have a license and are working on getting it back. Each state is different as far as the requirements and limits for it. It is also different with each insurance carrier and how much they charge for the filing of the SR22, some do not even file with it. Below is a list of carriers in Fort Carson and how much the filing cost of it is.
Below is amount the amounts company adds to the premium to file the SR22 with the state.
| 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 |
What is the cheapest car insurance in Colorado?
The cheapest auto insurance policy that you can get in Colorado would be State Minimum Liability Insurance with no additional coverages. Below will be a table chart of estimates for just basic Liability Insurance amongst the carriers.
| Carrier | Average Cost |
|---|---|
| Dairyland | $86 |
| The General | $88 |
| Bristol West | $92 |
| AssuranceAmerica | $105 |
| Progressive Insurance | $107 |
| National General | $110 |
| Mendota Ins. Company | $112 |
| Nationwide | $112 |
| Geico | $118 |
| State Auto | $128 |
| 21st Century | $130 |
| USAA | $140 |
| Acceptance RTR | $142 |
| Travelers | $144 |
| Liberty Mutual | $145 |
Cheapest Full Coverage Rates Insurance Fort Carson
Full coverage is a great thing to consider having on your if you are searching for auto insurance. In fact, if you are financing your vehicle, some places make you put full coverage on the vehicle until you pay it off. Full coverage includes comprehensive, collision and liability. That will all protect you and your car if you ever get into an accident. The list below are some auto insurance companies in Fort Carson and some prices ranges for Full Coverage.
| Rank | Fort Carson Insurance Carriers | Average Price |
|---|---|---|
| 1 | Progressive | $124.00 |
| 2 | Travelers | $138.00 |
| 3 | Mendota | $142.00 |
| 4 | Bristol West | $143.00 |
| 5 | The General | $154.00 |
| 6 | Liberty Mutual | $198.00 |
| 7 | Dairyland (Viking) | $203.00 |
Sample Rates – Insurance Fort Carson
Your auto insurance rates have many factors. Your age, driving record, vehicle, credit history, and what kind of coverage you purchase. The chart below are sample rates for Fort Carson, CO. The sample rates show a variety of things to determine what the rate will look like. For instance, you see the first one is 43 years old and it shows the type of vehicle he has on his policy, the type of coverage he has is liability and med pay. The rate shows with all that information it is $338.00. See the rest of the chart to see some other examples.
| Sample Rates in Fort Carson, Colorado |
|---|
| Sample Quote/ policy location: Fort Carson Agent :Amy Current Company: Bristol West Previous Company: Safeco Who: Homeowner Age: 43 Vehicle: Mazda 929 Type of coverage: liability only , med pay Notes: Insurance Card, automobile Rate: $338 |
| Sample Quote/ policy location: Fort Carson Agent :Jola Current Company: The General Previous Company: None Who: Male Age: 52 Vehicle: Suzuki Equator Extended Cab Type of coverage: liability insurance , med pay Notes: now, accidents Rate: $180 |
| Sample Quote/ policy location: Fort Carson Agent :Amy Current Company: Liberty Mutual Previous Company: Sentry Who: Homeowner Age: 42 Vehicle: MINI Cooper Clubman Type of coverage: liability insurance , sr22 Notes: multi policy, quotes Rate: $299 |
| Sample Quote/ policy location: Fort Carson Agent :Sy Current Company: Suncoast Previous Company: Bristol West Who: motorist Age: 40 Vehicle: Audi A8 Type of coverage: broad form , sr22 Notes: vehicle, snapshot Rate: $315 |
| Sample Quote/ policy location: Fort Carson Agent :Katie Current Company: Dairyland Previous Company: Viking Who: Female Age: 36 Vehicle: Kia Sportage Type of coverage: car insurance , uninsured motorist Notes: coverage, automobile Rate: $158 |
| Sample Quote/ policy location: Fort Carson Agent :Shawn Current Company: Bristol West Previous Company: the General Who: insured Age: 62 Vehicle: BMW Z3 Type of coverage: full coverage , state min Notes: online, vehicle Rate: $307 |
How age and gender affect your Insurance Fort Carson
Does age and gender matter when it comes to your insurance rates? Why yes it does. Like most things in life, as you get older many things get cheaper. Auto insurance is no different. Individuals under the age of 25 statistically pay more than others. Reason being that the younger the driver, the less experience driving that individual has.
Insurers look at that younger driver as a high risk, thus higher insurance rates. Gender as you can tell below definitely is a factor in your insurance rates.
| 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 |
Your Credit and how it affects your insurance premiums
A credit score pretty much affects our buying power with almost anything in today’s world. A good credit means low interest rates. A bad score means higher payments and higher interest. This same principle applies to Auto Insurance. Many people do not know that your insurance score plays a key factor in your insurance rates. Some insurance companies run a hard pull on your credit, while others might do a soft pull. Ask your insurance agent for more information today.
| Credit Impact on Insurance rates in Fort Carson | Average Premium by Score |
|---|---|
| Excellent | $134.31 |
| Good | $151.35 |
| Average | $182.23 |
| Poor | $257.73 |
Insurance Fort Carson – Discounts from Each Company
Many people miss out on several insurance discounts on their auto insurance policy. A key way to capitalize on these discounts available to you is do some research on what companies offer discounts that are applicable to you.
Then when shopping around for quotes be sure to ask your agent for any additional discounts they may have not mentioned to you. Auto insurance is a necessary bill, so why not save the most you can on your insurance premium. Discounts are listed below for progressive and Dairyland insurance.
| Progressive | Dairyland |
|---|---|
| No Accidents or Violations | Multi Policy |
| Education Discount | Paid in Full |
| Married | No Accidents or Violations |
| Paperless Discount | Auto Pay |
| Continuous Insurance | Military |
| Multi Vehicle | Homeowners |
| Homeowners | Married |
| Multi Policy | Multi Vehicle |
| Auto Pay | Continuous Insurance |
We save our client in Fort Carson an average of $590.55
| Number of Candy bars you could buy | 435 |
| Months of Netflix you could afford with your savings | 43 |
| Number of Peanuts you could buy | 107568 |
Here at A Plus Insurance we love to save our customers the highest amount of money that is possible. How can you help yourself save on your insurance premium? Always shop around for multiple quotes before purchasing an auto policy. In addition, ask your agent to reshop your rates when you are up for renewal. Choosing a 6 month auto insurance policy can be very helpful. If you have a violation or an accident falling off your record at renewal, chances are your rates will decrease!
Expert Tips on Comparing Home and Auto Insurance Quotes
- Compare Coverage Levels, Not Just Price: When comparing quotes, it’s essential to ensure that the coverage levels are similar. A lower price may mean less coverage, which could leave you underinsured. Make sure to balance cost and coverage to get the protection you need. Call us to review your coverage options and get a personalized quote comparison.
- Check Deductibles to Balance Costs: Deductibles can vary between policies, and higher deductibles typically result in lower premiums. However, you’ll need to make sure the deductible is affordable in the event of a claim. Text Us to learn how adjusting your deductible can affect your premiums.
- Ask About Multi-Policy Discounts: Bundling your home and auto insurance with the same provider can result in significant savings through multi-policy discounts. Be sure to ask for discounts when comparing quotes. Call us to explore bundling options and maximize your savings.
- Look at Company Reputation and Claims Satisfaction: It’s important to choose an insurance company with a solid reputation for customer service and claims handling. Research customer reviews and ratings to make sure you’re selecting a reliable insurer. Text Us for recommendations on top-rated insurance providers.
- Evaluate Additional Discounts and Features: Some companies offer additional discounts for safe driving, installing safety devices, or being a loyal customer. Be sure to inquire about any available promotions that could lower your premium further. Call us to find out which discounts you’re eligible for.
FAQ
What types of insurance do you offer in Fort Carson, CO?
We offer a range of insurance types, including home, auto, life, and business insurance.
How can I contact you for more information?
You can call us at 1.888.445.2793 for assistance.
Do you provide insurance consultations in Fort Carson, CO?
Yes, we offer free insurance consultations tailored to your needs in Fort Carson, CO.
Who has the best car insurance for military?
Several insurance companies offer competitive rates and discounts for military personnel. Companies like USAA and Geico are well-known for providing excellent car insurance options for military members.
Does the military pay for car insurance?
No, the military does not typically pay for personal car insurance for service members. However, many insurance companies offer military discounts.
What is the military car insurance called?
Military car insurance isn’t a specific type of policy; rather, it refers to car insurance policies that are tailored to meet the needs of military personnel. These policies often come with special discounts and benefits suited for those in the military.
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Last Updated on by Camron Moss