AUTO – COLORADO

Lone Tree Insurance

Lone Tree is in Douglas County and is one of the best places to live in Colorado. In Lone Tree there are a lot of restaurants, coffee shops, and parks. Many families and young professionals live in Lone Tree. The public schools in Lone Tree are highly rated.

Start HERE: For motor vehicles, Colorado law requires the following minimum amount of liability insurance: $25,000 per person for bodily injury. $50,000 per accident for bodily injury. $15,000 per accident for property damage.

Mendota Ins. Company$89
Acceptance RTR$90
National General$94
Geico$95
The General$97
Dairyland$98
AssuranceAmerica$102
USAA$110
Progressive Insurance$113
Allstate$133
Nationwide$135
State Auto$135
Farmers$141
Liberty Mutual$142
Bristol West$143

Insurance Discounts In Lone Tree, CO

Did you know that you may be eligible for discounts on your auto insurance? Your auto insurance company may have some discounts that you can take advantage of. Contact your agent and see if you are taking advantage of those. Below we have listed some discounts for Lone Tree, CO and how much of an impact it has on your rates.

Impact on ratesDiscounts Available
HighPaid in Full
MildHomeowners
HighNo Accidents or Violations
Very HighContinuous Insurance
MildMulti Vehicle
HighAdvanced Quote
MildMulti Policy
MildMilitary
MildMarried

Lone Tree Insurance: Violations And How They Impact Your Auto Rates

Violations can have a big impact on your auto insurance rates.

The duration of how long your insurance rates are affected depends on the type of violation.

For instance, lets take the example of a DUI. A DUI is considered a major violation and can impact your rates for about 10 years.

We have listed some other violations you can see and how long they can impact you for.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
DUIMajor10 Years
ParkingNon MovingNA*
Crossing over a Center DividerMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Non-At-Fault AcccidentMinorNA*
No Proof of insuranceNon MovingNA*
At Fault AccidentMajor5 Years
Driving without a LicenseMajor3 Years
Expired TagsNon MovingNA*
Using a Cell Phone with DrivingMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years

Lone Tree Insurance: Rating Factors

Want to know what kind of things are affecting your auto insurance rates in Lone Tree?

There is a list of “factors” that are taken into consideration when determining your auto insurance rates.

We have compiled a list below for Lone Tree, CO. Here you will see some of the rating factors and how much of an impact those factors have on your insurance rates.

FactorRate Impact
ProfessionLow
lien holderNone
GenderMedium
How many drivers per vehicles listedMedium
Insurance HistoryMedium
How long have you owned the vehicleLow
vehicle performance (symbol)Medium
Anual MileageLow
EducationLow
anti theft deviceLow
Lone Tree Insurance Rating Factors

Lone Tree Insurance with SR22 Filing

An SR22 filing is a certificate that your auto insurance company will file with your state once you purchase it. Each state is different in how long you need to carry it. Also, each insurance carrier varies as far as if they file with it, and if they do how much it costs to file.

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
An SR22 filing is not a type of insurance, contrary to popular belief, but a certificate that some might be required for some.

Weather And Driving Conditions that affect Insurance in Lone Tree, CO

If you live in CO, you will experience the best of both worlds when it comes to weather. In Lone Tree for instance, in the summertime, you can expect a high of 87 degrees and then it drops to a low of 17 degrees in the wintertime! Check out the averages of rain and snow below!

Lone Tree, Colorado
Summer High: the July high is around 87 degrees
Winter Low: the January low is 17
Rain: averages 18 inches of rain a year
Snow: averages 78 inches of snow a year
Lone Tree Insurance Driving Conditions

Discounts Per Company In Lone Tree

We all love hearing that we can get discounts. And the same is with our auto insurance. Each insurance carrier offers a variety of different discounts.

The discounts have different impacts on your rates as well. We compared below two different carriers in Lone Tree, Co.

Check out the discounts for Mendota and Travelers.

Mendota Advantage AutoTravelers
Auto PayPaid in Full
Continuous InsuranceNo Accidents or Violations
No Accidents or ViolationsMulti Policy
Paid in FullHomeowners
HomeownersMarried
Multi VehicleContinuous Insurance
MarriedMulti Vehicle
Auto Pay
It doesn’t hurt to ask…call one of our agents to see if you qualify for additional discounts.

Cheapest Full Coverage Auto Insurance Rates In Lone Tree

When deciding what kind of coverage, you want for your auto insurance, you are also going to want to see a good rate as well. We narrowed down a few insurance carriers in the Lone Tree area and put the average rate of Full Coverage. You can also contact your agent for more information on this topic.

RankCompanyAverage price
1Progressive$124.00
2The General$137.00
3Mendota$145.00
4Bristol West$146.00
5Travelers$148.00
6Dairyland (Viking)$191.00
7Liberty Mutual$191.00
Lone Tree Insurance

Other Insurance Products We Offer In Lone Tree

Type of CoverageOur Top Companies
Renters InsuranceASI, Foremost
Car InsuranceProgressive, Dairyland,
RV InsuranceProgressive, Travelers
Business InsuranceBTIS, Hiscox
Home InsuranceTravelers, ASI, Foremost Star
Boat InsuranceTravelers, Progressive
Commercial Auto InsuranceProgressive
Here at A Plus Insurance, we offer a lot more than just auto insurance. We range from Renters, Home, RV, motorcycle, and boat insurance. We even offer Commercial and Business. Just give us a call today and see how we can help you find the best rate with the numerous companies we work with.

Credit And How It Affects Your Car Insurance Rates In Lone Tree

As in many aspects in our lives, our credit score affects us. It does in fact have an influence on whether we will see a good insurance rate or perhaps a higher rate than we are wanting. We made a chart below with some Insurance rates by credit score in Lone Tree, CO.

Excellent$133.20
Good$150.10
Average$180.72
Poor$255.60
Lone Tree Insurance Credit

Insurance Companies We Represent In Lone Tree, CO

One of the many reasons that we can give our customers great rates are because we represent a variety of different insurance carriers. Yes, when you call and get a quote from us, we can give you more than one option on rates because we run it through multiple companies. Down below are some of those companies!

USLI
Progressive
Foremost Star
Mendota
Bristol West
Dairyland
Suncoast
Victory
ASI
Travelers
Gainsco
Assurance America
Best Choice
Orion 181
The General
Safeway

Lone Tree Nearby Cities And Neighborhoods

Lone Tree Insurance
2024 Lone Tree Insurance
Neighborhoods in Lone Tree, ColoradoCities Near Lone TreeZip Codes in Lone Tree
Heritage HillsCentennial, CO80124
Park MeadowsCastlewood, CO80134
Lone Tree ParkwayHighlands Ranch, CO80126

Frequently Asked Questions for Lone Tree Insurance

What types of policies does Lone Tree Insurance offer?

Lone Tree Insurance offers a wide range of policies to meet your needs, including auto insurance, homeowners insurance, renters insurance, motorcycle insurance, and more. We specialize in providing personalized coverage that fits your unique situation.

How can I get a quote from Lone Tree Insurance?

Getting an insurance quote from Lone Tree Insurance is simple and convenient. You can request a quote online, or if you prefer a more personal touch, you can call us directly. Our agents will work with you to compare options and find the best coverage at a competitive rate.

Does Lone Tree Insurance offer any discounts?

Yes, Lone Tree Insurance provides various discounts to help you save on your policy. These may include multi-policy discounts, safe driver discounts, military discounts, and more. Contact us to learn about all the discounts you may qualify for and reduce your premium.

How do I lower my insurance in Lone Tree, Colorado?

Lowering your insurance in Lone Tree, Colorado, can be achieved through various means, such as maintaining a good driving record, bundling multiple policies, and exploring available discounts. Our agents can provide personalized guidance to help you reduce your insurance costs. Contact us for assistance.
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Last Updated on by Camron Moss

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