- Lone Tree Insurance
- Insurance Discounts In Lone Tree, CO
- Lone Tree Insurance: Violations And How They Impact Your Auto Rates
- Lone Tree Insurance: Rating Factors
- Lone Tree Insurance with SR22 Filing
- Weather And Driving Conditions that affect Insurance in Lone Tree, CO
- Discounts Per Company In Lone Tree
- Cheapest Full Coverage Auto Insurance Rates In Lone Tree
- Other Insurance Products We Offer In Lone Tree
- Credit And How It Affects Your Car Insurance Rates In Lone Tree
- Insurance Companies We Represent In Lone Tree, CO
- Lone Tree Nearby Cities And Neighborhoods
- Frequently Asked Questions for Lone Tree Insurance
- What types of policies does Lone Tree Insurance offer?
- How can I get a quote from Lone Tree Insurance?
- Does Lone Tree Insurance offer any discounts?
- How do I lower my insurance in Lone Tree, Colorado?
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 rates | Discounts Available |
|---|---|
| High | Paid in Full |
| Mild | Homeowners |
| High | No Accidents or Violations |
| Very High | Continuous Insurance |
| Mild | Multi Vehicle |
| High | Advanced Quote |
| Mild | Multi Policy |
| Mild | Military |
| Mild | Married |
| 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 |
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 Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| DUI | Major | 10 Years |
| Parking | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| No Proof of insurance | Non Moving | NA* |
| At Fault Accident | Major | 5 Years |
| Driving without a License | Major | 3 Years |
| Expired Tags | Non Moving | NA* |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 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.
| Factor | Rate Impact |
|---|---|
| Profession | Low |
| lien holder | None |
| Gender | Medium |
| How many drivers per vehicles listed | Medium |
| Insurance History | Medium |
| How long have you owned the vehicle | Low |
| vehicle performance (symbol) | Medium |
| Anual Mileage | Low |
| Education | Low |
| anti theft device | Low |
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.
| 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 |
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 |
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 Auto | Travelers |
|---|---|
| Auto Pay | Paid in Full |
| Continuous Insurance | No Accidents or Violations |
| No Accidents or Violations | Multi Policy |
| Paid in Full | Homeowners |
| Homeowners | Married |
| Multi Vehicle | Continuous Insurance |
| Married | Multi Vehicle |
| Auto Pay |
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.
| Rank | Company | Average price |
|---|---|---|
| 1 | Progressive | $124.00 |
| 2 | The General | $137.00 |
| 3 | Mendota | $145.00 |
| 4 | Bristol West | $146.00 |
| 5 | Travelers | $148.00 |
| 6 | Dairyland (Viking) | $191.00 |
| 7 | Liberty Mutual | $191.00 |
Other Insurance Products We Offer In Lone Tree
| Type of Coverage | Our Top Companies |
|---|---|
| Renters Insurance | ASI, Foremost |
| Car Insurance | Progressive, Dairyland, |
| RV Insurance | Progressive, Travelers |
| Business Insurance | BTIS, Hiscox |
| Home Insurance | Travelers, ASI, Foremost Star |
| Boat Insurance | Travelers, Progressive |
| Commercial Auto Insurance | Progressive |
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 |
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 |
Debunking Common Myths About Home and Auto Insurance
- Myth: Red cars cost more to insure: Insurance companies don’t charge higher premiums based on the color of your car. Factors like the make, model, age, and safety features of the vehicle are what affect your rates. Call us to get a customized quote based on real factors.
- Myth: Home insurance covers all natural disasters: Standard home insurance typically doesn’t cover all natural disasters like floods or earthquakes. You may need separate policies for these events. Text Us to find out what coverage you might be missing.
- Myth: Minimum auto insurance coverage is enough: While state minimum requirements for auto insurance might satisfy legal obligations, they often leave you underinsured in case of a serious accident. Consider additional coverage options like collision or comprehensive insurance. Call us to discuss full coverage options.
- Myth: Older cars don’t need comprehensive coverage: Even if your car is older, comprehensive coverage can still be valuable, especially if you live in areas prone to theft, vandalism, or extreme weather. Text Us to find out if comprehensive coverage makes sense for your vehicle.
- Myth: Home insurance covers home-based business losses: Most home insurance policies don’t cover losses related to home-based businesses. You may need additional coverage or a business insurance policy to protect your business assets. Call us to explore business insurance options.
Lone Tree Nearby Cities And Neighborhoods
| Neighborhoods in Lone Tree, Colorado | Cities Near Lone Tree | Zip Codes in Lone Tree |
|---|---|---|
| Heritage Hills | Centennial, CO | 80124 |
| Park Meadows | Castlewood, CO | 80134 |
| Lone Tree Parkway | Highlands Ranch, CO | 80126 |
Frequently Asked Questions for Lone Tree Insurance
What types of policies does Lone Tree Insurance offer?
How can I get a quote from Lone Tree Insurance?
Does Lone Tree Insurance offer any discounts?
How do I lower my insurance in Lone Tree, Colorado?
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Last Updated on by Camron Moss