Insurance Fruita

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Cheap Car Insurance Fruita Colorado

Discounts available in Fruita Insurance company

If you are a good and safe driver, have multiple vehicles with the same insurance company, and pay for your insurance in full? If you answered yes to any of those questions, do you know you may be able to get some discounts on your auto insurance? If you look at the chart below you can see two different carriers and what kind of discounts they offer.

Assurance AmericaBristol West
Continuous InsuranceMulti Policy
Paid in FullHomeowners
HomeownersAuto Pay
Auto PayAdvanced Quote
Multi VehiclePaid in Full
MarriedNo Accidents or Violations
No Accidents or ViolationsMarried
Multi Vehicle
Continuous Insurance

Fruita DMV address and phone number

Fruita DMV Office
325 E Aspen Ave
Fruita, CO 81521
Phone: (970) 244-1664
Fruita Registration and Title Office
200 S Spruce St
Grand Junction, CO 81501
Phone: (970) 244-1664
Above is the contact information for the local DMV in Fruita, Colorado. Due to Covid-19, appointments may require scheduling several weeks in advance. The DMV has helpful links on their website, such as frequently asked questions, and hours of operations. You are also able to renew tags online and get replacement IDs that may be quicker than scheduling an appointment.

Other types of Insurance we carry in Fruita

We use multiple different companies that offer multiple different coverages. Are you looking to buy a house or start a business in 2021? Here at A Plus, we offer much more than auto insurance. We would love to help you find the best quote for any of your insurance needs! Check out the chart below and see some of the other coverages and out top companies we work with.

Type of CoverageOur Top Companies
Home InsuranceTravelers, ASI, Foremost Star
Business InsuranceBTIS, Hiscox
RV InsuranceProgressive, Travelers
Motorcycle InsuranceDairyland, Progressive
Renters InsuranceASI, Foremost
Boat InsuranceTravelers, Progressive
Commercial Auto InsuranceProgressive

How age and gender affects your auto insurance rates in Fruita

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


Good things come with age; they say. The same can be said with your auto insurance rates. Yes, the older you get, you can see a decrease in your insurance rates! You have much more experience in driving the older you are if you maintain a good record, you could see some great rates. Check out the list above, that shows the price difference in rates by gender and age.

Violations and how long they impact your auto insurance rates in Fruita

Accidents happen, and sometimes they may not even be your fault. Regardless, when it comes to driving on the road’s violations happen. The question is, how much of an impact do violations have on your record and your insurance rates? We listed some violations below and what kind of affect they can have on your rates and for how long.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Using a Cell Phone with DrivingMinor3 Years
Improper Lane useMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
ParkingNon MovingNA*
Driving without a LicenseMajor3 Years
No Proof of insuranceNon MovingNA*
Failure to Use Turn SignalMinor3 Years
Failure to YeldMinor3 Years
DUIMajor10 Years
Reckless DrivingMajor5 Years
Expired TagsNon MovingNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years

The Top 10 vehicles we insure in Fruita

1Subaru
2Lexus
3Honda
4Volvo
5Chevrolet
6Cadillac
7Ford
8Acura
9Toyota
10Audi
11Nissan
12Buick
The highly rated vehicles to insure in Fruita are listed below. Subaru is the number one vehicle we insure, while Buick is the last on the list. Subaru’s are great for daily drivers, exploration, or weekend trips. They do well in most types of weather conditions. Toyota is number 9, which isn’t surprising as Toyotas are known to “last forever”.

Liability Insurance requirements in Fruita

The state minimum liability requirements vary from state to state. In Fruita, and the entire state of Colorado, requires you carry 25/50/15. Liability protects others from you in the event of an accident. Understanding the limits better – $25,000 per person for bodily injury, up to $50,000 per accident, and $15,000 for property damage would pay out to the other party if you were at fault.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
Colorado25/50/15$510

Your credit and how it affects your insurance rates in Fruita

Credit Impact on Insurance rates in Fruita
Average Premium by Score
Excellent$113.22
Good$127.58
Average$153.61
Poor$217.26


Do you have good or excellent credit? If so, you can see yourself getting some rather good rates for your auto insurance! Now even if you may not have the best of credit, you can still obtain auto insurance, but you may see that you will have higher rates. Check out some statistics we did for Fruita, CO. We listed the average premium based on credit score.

Insurance rating factors in Fruita

There are quite a few factors that impact your auto insurance rates. When getting an auto quote, the insurance carrier will ask you some of these questions and take that into consideration. Do you know all the factors? We made it easy for you, and listed just a few of them below and listed how much of an impact they have on your rates.

FactorRate Impact
Type of Vehicle CoverageMedium
Anual MileageLow
lien holderNone
anti theft deviceLow
AgeHigh
Claims HistoryMedium
Insurance HistoryMedium
vehicle safety featuresMedium
vehicle performance (symbol)Medium
How long have you owned the vehicleLow

Our client in Fruita saves an average of $597.55

New Customers in Fruita, Colorado Save on Average$597.55
Number of Candy bars you could buy435
Months of Netflix you could afford with your savings43
Number of Peanuts you could buy107568


Everybody loves to save money, and we love to help our customers save that money! For example, let’s look at how we have helped some new customers in Fruita, Colorado save money and how much we saved them! The numbers above speak for themselves, and just look at some of the great things they can now buy and enjoy with them money they saved!

Weather and driving conditions in Fruita

Weather conditions should determine how much extra time you give yourself to get somewhere, and how carefully you are driving. If it is snowing in the winter time, the roads may be slick so give yourself an extra 10 minutes and stay back a couple extra car lengths from the person in front of you to give yourself a longer reaction time. An extra 10 minutes could prevent an accident.

Fruita, Colorado
Summer high: The July high is around 86 degrees
Winter Low: The January low is 17 degrees
Rain: 9.5 Inches of rain a year
Snow: 16 inches of snow per year
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Last Updated on November 20, 2021 by Shawn Christie

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