Longmont Car Insurance

Image Shows Couple On A Boat In The Water With Mountain Views Of Longmont, Co

Longmont Car Insurance

Image Shows Couple On A Boat In The Water With Mountain Views Of Longmont, Co

Shopping for car insurance can be a hassle, especially when trying to find the BEST auto insurance rates out there.

Let us do the shopping for you if you are looking for the cheapest car insurance rates in Longmont, CO.

Cheap 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!

Number of Eggs You Can Buy

5404


Pounds of bananas you could buy

1157


Months of Netflix you could afford

43

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.

Each company can offer different pricing for your insurance needs. We made a list of some of the companies we work with in Longmont, CO.

Insurance Companies in Longmont, Colorado that we represent
USLI
Safeway
Victory
Suncoast
Mendota
Gainsco
Bristol West
Progressive
Dairyland
Best Choice
ASI
The General
Orion 181
Travelers
Assurance America
Foremost Star

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, COTop Car Insurance Company
Motorcycle InsuranceDairyland, Progressive
Home InsuranceTravelers, ASI, Foremost Star
Renters InsuranceASI, Foremost
Boat InsuranceTravelers, Progressive
Commercial Auto InsuranceProgressive
Car InsuranceProgressive, Dairyland,
RV InsuranceProgressive, 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.

RankVehicle Type
1Volvo
2Honda
3Ford F-Models
4Chevrolet
5Subaru
6GMC
7Audi
8Nissan
9Hyundai
10Acura
11Buick
12BMW

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 Insurance Rates In Longmont, CO

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 NameMajor/Minor/Non-MovingHow Long Will It Affect Insurance Rates?
At Fault AccidentMajor5 Years
Using a Cell Phone with DrivingMinor3 Years
Driving without a LicenseMajor3 Years
Failure to Use Turn SignalMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Failure to maintain Clear Distance (tailgatingMinor3 Years
Crossing over a Center DividerMinor3 Years
Failure to YeldMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
ParkingNon MovingNA*
Improper Lane useMinor3 Years
Non-At-Fault AcccidentMinorNA*


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?

Car Insurance Discounts Available In Longmont, CO

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 RatesCar Insurance Discounts Available
HighAdvanced Quote
Very HighContinuous Insurance
MildMarried
MildPaperless Discount
MildMilitary
MildMulti Policy
MildMulti Vehicle
HighNo Accidents or Violations
MildEducation Discount

A score of 670 to 739 is typically considered GOOD

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?

Check out the chart below and see what the average premium is by credit score.

Credit Impact on Insurance by ScoreAverage Car Insurance Premium
Excellent$122.10
Good$137.59
Average$165.66
Poor$234.30

Be sure to carefully research the discount types an insurance company offers…make sure you qualify!

Car Insurance Discounts By Company In Longmont, CO

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.

Progressive Auto InsuranceDairyland Auto InsuranceMendota Advantage Auto
Paid in FullMulti PolicyNo Accidents or Violations
Auto PayMarriedHomeowners
Multi PolicyMilitaryContinuous Insurance
HomeownersNo Accidents or ViolationsPaid in Full
MarriedMulti VehicleAuto Pay
Education DiscountHomeownersMarried
Continuous InsuranceAuto PayMulti Vehicle
Paperless DiscountContinuous Insurance
MilitaryPaid in Full
No Accidents or Violations
Multi Vehicle
Advanced Quote

If you have questions about the state requirements for auto insurance, check out our quick guide.

Liability Insurance Requirements In Longmont, CO

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.

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

Weather can actually affect insurance rates. For example, if a city is prone to tornadoes, it is considered high risk, and insurance can be higher.

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.

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

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.
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Last Updated on November 5, 2021 by Shawn Christie

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