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Cheap Longmont Car Insurance Means Big Savings
We Save Our Clients in Longmont, CO An Average of $589.55
When shopping for anything, you want to go with a company that is going to be able to save you money. The same goes with us, we want to save our clients that come to us as much money as we can.
Here is an example of what we have saved our new customers in Longmont, and what you can buy with an extra $589.55!
Car Insurance Companies We Represent In Longmont, CO
Not only do we offer a range of different insurance, but we also work with several different insurance companies. That allows us to be able to give you options. Options on different coverages, different states, and different pricing.
| Longmont Car Insurance- There are some that we also Represent |
|---|
| Suncoast |
| Mendota |
| Bristol West |
| Progressive |
| Dairyland |
| The General |
| Travelers |
If you are curious how we compare and rate the various insurance companies, take a look at our Progressive vs. Geico Ultimate Comparison Showdown!
Types Of Insurance We Offer In Longmont, CO
As mentioned before, we offer a wide range of different types of insurance.
Not only can you come to us for a free quote on auto insurance, but you can also get a quote from us for much more!
Looking to purchase a motorcycle or a home, maybe even a boat? Yes, we can help get you a good rate for all those things.
| Other Insurance Types We Carry in Longmont, CO | Top Car Insurance Company |
|---|---|
| Motorcycle Insurance | Dairyland, Progressive |
| Home Insurance | Travelers, ASI, Foremost Star |
| Renters Insurance | ASI, Foremost |
| Boat Insurance | Travelers, Progressive |
| Commercial Auto Insurance | Progressive |
| Car Insurance | Progressive, Dairyland, |
| RV Insurance | Progressive, Travelers |
In case you didn’t know, the type of vehicle you own absolutely affects your insurance rates. Some vehicle types are more expensive to insure than others.
Top Vehicles We Insure In Longmont, CO
Do you own a Chevy, a Ford, a Volvo?
Regardless of the vehicle type, we can insure all of those vehicles for you.
We have helped so many customers find the best rate for coverage on their vehicle type .
We made a list of some of the top vehicles that we have helped customers insure in Longmont, CO.
| Rank | Vehicle Type |
|---|---|
| 1 | Volvo |
| 2 | Honda |
| 3 | Ford F-Models |
| 4 | Chevrolet |
| 5 | Subaru |
| 6 | GMC |
| 7 | Audi |
| 8 | Nissan |
| 9 | Hyundai |
| 10 | Acura |
| 11 | Buick |
| 12 | BMW |
If you have had so many violations that your car insurance company won’t even cover you, you might benefit from learning about SR-22 coverage.
How Violations Affect Your Cheap Auto Longmont Car Insurance Rates
When you get a ticket or you get into an accident, one of the first things that may come to your mind is:
How much is this going to raise my insurance?
Yes, violations do affect your insurance rates, but by how much? Well, each violation is different and they each impact your rates differently. They can impact them for a number of years or not make much of an impact at all.
| Violation Name | Major/Minor/Non-Moving | How Long Will It Affect Insurance Rates? |
|---|---|---|
| At Fault Accident | Major | 5 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to Yeld | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Improper Lane use | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
There are quite a few ways in life that you can save money. Did you know that you can even save on your auto insurance?
Longmont Car Insurance Discounts Available
Yes, you can get discounts on your auto insurance rates. Just ask your agent and see if you are taking advantage of those discounts. If you look below, we have a list of some of those discounts and the impact they have on your rates.
| Impact on Car Insurance Rates | Car Insurance Discounts Available |
|---|---|
| High | Advanced Quote |
| Very High | Continuous Insurance |
| Mild | Married |
| Mild | Paperless Discount |
| Mild | Military |
| Mild | Multi Policy |
| Mild | Multi Vehicle |
| High | No Accidents or Violations |
| Mild | Education Discount |
How Your Credit Affects Your Car Insurance Rates In Longmont, CO
Your auto insurance rates are determined by factors. One of those factors is your credit score.
Did you know that some insurance companies look at your credit score and determine if you are going to have a good rate or a higher rate? A score of 670 to 739 is typically considered GOOD
Check out the chart below and see what the average premium is by credit score.
| Credit Impact on Insurance by Score | Average Car Insurance Premium |
|---|---|
| Excellent | $122.10 |
| Good | $137.59 |
| Average | $165.66 |
| Poor | $234.30 |
Longmont Car Insurance Discounts By Company
We have already discussed that you can receive discounts on your auto insurance.
But, do you know what those discounts are and with what companies you can receive certain discounts for?
We made that easier on you and listed 3 of our carriers, Progressive, Dairyland and Mendota. Below each we listed what kind of discounts they offer. Be sure to carefully research the discount types an insurance company offers…make sure you qualify!
| Progressive Auto Insurance | Dairyland Auto Insurance | Mendota Advantage Auto |
|---|---|---|
| Paid in Full | Multi Policy | No Accidents or Violations |
| Auto Pay | Married | Homeowners |
| Multi Policy | Military | Continuous Insurance |
| Homeowners | No Accidents or Violations | Paid in Full |
| Married | Multi Vehicle | Auto Pay |
| Education Discount | Homeowners | Married |
| Continuous Insurance | Auto Pay | Multi Vehicle |
| Paperless Discount | Continuous Insurance | |
| Military | Paid in Full | |
| No Accidents or Violations | ||
| Multi Vehicle | ||
| Advanced Quote |
Longmont Car Insurance Liability Requirements
When obtaining auto insurance, liability insurance is a requirement.
States can have different minimum coverage that is required. For the state of Colorado, the state minimum that is required is 25/50/15. You could raise it higher if you chose to do so.
The chart below shows the average cost of liability in Longmont. If you have questions about the state requirements for auto insurance, check out our quick guide.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| Colorado | 25/50/15 | $510 |
Longmont Car Insurance Tips and Tricks
- Understand Colorado Insurance Requirements: Colorado law requires drivers to carry liability insurance that covers bodily injury and property damage. The minimum liability coverage limits are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.
- Assess Your Coverage Needs: Determine the level of coverage you need based on factors such as the value of your vehicle, your driving habits, and your financial situation. While meeting the state’s minimum requirements is essential, you may want to consider additional coverage options such as collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage for added protection.
- Shop Around for Quotes: Don’t settle for the first insurance quote you receive. Compare quotes from multiple insurance providers to ensure you’re getting the best deal. Different insurers may offer varying rates and discounts, so it’s worth exploring your options.
- Bundle Policies: If you have multiple insurance policies (e.g., auto, home, or renters insurance), consider bundling them with the same provider. Many insurers offer discounts for bundling policies, which can result in significant savings on your premiums.
- Maintain a Good Driving Record: Your driving history has a significant impact on your insurance premiums. Avoid traffic violations and accidents to keep your record clean, as insurers often offer lower rates to safe drivers with no recent claims.
- Consider Usage-Based Insurance: Some insurance companies offer usage-based insurance programs that track your driving habits using telematics devices or smartphone apps. If you’re a safe driver, you may be eligible for discounts based on factors such as mileage, speed, and braking patterns.
- Take Advantage of Discounts: Inquire about available discounts with insurance providers. Common discounts include multi-policy discounts, safe driver discounts, good student discounts (for young drivers), anti-theft device discounts, and defensive driving course discounts.
- Review Coverage Annually: Your insurance needs may change over time due to factors such as vehicle depreciation, lifestyle changes, or moving to a new area. Review your coverage annually to ensure it still meets your needs and make adjustments as necessary.
- Ask About Affiliation Discounts: Some insurance companies offer discounts to members of certain organizations or affiliations, such as alumni associations, professional groups, or military associations. Inquire with potential insurers about any affiliation discounts you may qualify for.
- Read and Understand Policy Details: Before purchasing a policy, carefully review the terms, conditions, and exclusions. Make sure you understand what is covered and what isn’t, as well as any deductibles or limitations that may apply.
Weather And Driving Conditions In Longmont, CO
Do you plan on visiting Longmont? Or maybe looking to move there?
You are certainly going to want to know the weather and what it is year-round so you know what to expect.
Down below, we listed some of the major things about weather that people look for when they are looking to travel to a location. Weather can affect insurance rates. For example, if a city is prone to tornadoes, it is considered high risk, and insurance can be higher.
| Weather | Average Conditions |
|---|---|
| Summer high | The July high is around 89 degrees |
| Winter Low | The January low is 13 degrees |
| Inches of Snow | 36 inches of snow per year |
| Rain | 15 Inches of rain a year |
Frequently Asked Questions
Q1: What types of car insurance coverage are available in Longmont?
Car insurance coverage options in Longmont include liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and more. A Plus Insurance can help you explore these options and find the coverage that suits your needs.
Q2: How can I get the most affordable car insurance rates in Longmont?
To secure the most affordable car insurance rates in Longmont, contact A Plus Insurance. Our team shops multiple carriers to find you the best rates available. For personalized assistance and a free quote, call us at 1.888.445.2793.
Q3: What factors affect car insurance rates in Longmont?
Several factors influence car insurance rates in Longmont, including your driving history, the type of coverage you choose, your vehicle’s make and model, and your location. Our experienced agents can guide you through these factors and help you find affordable coverage.
Q4: How much is car insurance per month in Colorado?
The average cost of car insurance in Colorado can vary, but it’s generally around $130 to $200 per month. This can fluctuate based on factors such as your driving record, the type of vehicle you drive, and the level of coverage you choose. For a more precise estimate, contact us for a personalized insurance quote.
Q5: Who is known for the cheapest car insurance?
Companies like Progressive, Dairyland, and The General are often recognized for offering competitive and affordable car insurance rates. However, the cheapest option can vary depending on individual circumstances. We recommend comparing quotes from multiple providers to find the best rate for your specific needs.
Q6: Why is auto insurance so expensive in Colorado?
Auto insurance rates in Colorado are influenced by factors such as the state’s high number of uninsured drivers, severe weather conditions, and the increasing cost of vehicle repairs and medical expenses. Additionally, urban areas like Denver see higher rates due to increased traffic and accident frequency. Understanding these factors can help you find ways to lower your premiums.
DMV Address And Phone Numbers In Longmont, CO
| DMV Address And Phone Numbers In Longmont |
|---|
| Longmont Driver License Office |
| 917 S. Main Street #600 |
| Longmont, CO 80501 |
| (303) 776-4073 |
| Longmont County Clerk Office |
| 529 Coffman Street |
| Longmont, CO 80501 |
| (303) 413-7710 |
If you have a vehicle and get auto insurance, the DMV is a place you will need to visit. Due to the current pandemic, you may be able to go online and set up an appointment or even sometimes you can handle your business online. Up above, we have 2 locations for the DMV and the clerk’s office in Longmont.
- Multi-Policy Discount: Bundling your home and auto insurance can save you money. Many insurance companies offer discounts when you combine multiple policies. Text Us to learn more.
- Safe Driver Discount: Maintaining a clean driving record with no recent accidents or violations could make you eligible for a safe driver discount on your auto insurance. Call us at 1.888.445.2793 to check your eligibility.
- Good Credit Score: A higher credit score can result in lower insurance premiums. Some insurance companies offer discounts based on your credit rating, making it important to keep your score in good standing. Text Us for more details.
- Claims-Free Discount: If you have not filed any claims in a certain period, you may qualify for a claims-free discount, which can reduce your monthly insurance rates. Call us at 1.888.445.2793 to check if you’re eligible.
- Home Safety Devices: Installing home safety features such as smoke detectors, burglar alarms, and sprinkler systems may make you eligible for discounts on your homeowners insurance. Text Us to learn more about safety-related discounts.
- Low Mileage Discount: Driving fewer miles each month can qualify you for a low mileage discount on your auto insurance, potentially lowering your rates. Call us at 1.888.445.2793 to see if this applies to your vehicle insurance.
- Military or Affiliation Discount: Many insurance companies offer discounts to military personnel, veterans, and members of certain organizations. Text Us to inquire about eligibility for this discount.
- New Home Discount: If your home was recently built or renovated, some insurance companies offer discounts for newer homes. Call us at 1.888.445.2793 for more information.
- Vehicle Safety Features: Vehicles with advanced safety features like anti-lock brakes, airbags, or anti-theft systems may qualify for discounts on auto insurance. Text Us to find out if your vehicle qualifies.
- Early Renewal Discount: Renewing your policy before the expiration date can sometimes earn you an early renewal discount, reducing your premium for the next policy term. Call us at 1.888.445.2793 for guidance.
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Last Updated on by Brian Muse