Longmont Car Insurance

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 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.

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.

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.

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.

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.

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.

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!

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.

Longmont Car Insurance Tips and Tricks

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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.

Frequently Asked Questions