AUTO – COLORADO
Montrose Insurance
You can get your Montrose Insurance for as low as $82.00 a month! . From young professionals to people with families and even retirees, Montrose is gaining popularity and is being discovered by many as a great place to live!
START HERE: To legally drive you need the state minimum insurance this is what many call Liability Only. And for the State of Colorado the requirements are $25,000 per person up to $50,000 and $15,000 in property damage. As you can see choosing the state minimum isn’t so minimum, though you can increase your liability limits.
| The General | $82 |
| National General | $88 |
| Dairyland | $93 |
| Mendota Ins. Company | $96 |
| Progressive Insurance | $110 |
Liability and Full Coverage Insurance in Montrose
Usually, if a vehicle is over 10 years old, people only carry liability. If you are financing a brand-new vehicle, most cases they require you to carry full coverage.
Full coverage has 2 parts, Comprehensive and Collision (Comprehensive can also be known as Other Than Collision). When determining whether you need liability vs. Full coverage, take a look at the value of your vehicle and if its worth the cost in insurance to carry full coverage, or if you would be fine with liability for your Montrose insurance policy.
Average Annual Insurance Rates in Montrose:
| Full Coverage Insurance in Montrose | Full Coverage CO average |
|---|---|
| $869.17 | $934.59 |
| Liability Insurance rates in Montrose | Liability State Average |
|---|---|
| $474.44 | $510.15 |
Liability Insurance in Montrose
Liability insurance is a fundamental component of auto insurance coverage, providing financial protection against claims and lawsuits arising from injuries or property damage you cause to others while driving. In Montrose, Colorado, as in most places, liability insurance is mandatory for all drivers. Here’s what you need to know about liability insurance in Montrose:
- Minimum Coverage Requirements: Colorado state law mandates minimum liability insurance coverage for all drivers. As of my last update, these minimum coverage requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- Liability Coverage Components:
- Bodily Injury Liability: This coverage helps pay for medical expenses, lost wages, and legal expenses if you injure someone in an accident.
- Property Damage Liability: This coverage helps pay for repairs or replacement of the other party’s vehicle or property if you’re at fault in an accident.
- Additional Coverage Options: While liability insurance is mandatory, you may choose to purchase additional coverage beyond the state’s minimum requirements for added protection. Common optional coverages include:
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers, regardless of fault.
- Collision Coverage: This coverage helps pay for repairs to your vehicle if you’re in an accident, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by non-collision events such as theft, vandalism, or natural disasters.
- Insurance Rates and Factors: Insurance rates in Montrose, as elsewhere, are influenced by various factors including your age, driving history, type of vehicle, coverage limits, and deductible amount. Maintaining a clean driving record and comparing quotes from multiple insurance companies can help you find the most competitive rates.
- Insurance Companies and Agents: There are numerous insurance companies and independent agents in Montrose who can assist you in obtaining liability insurance and other coverages tailored to your needs. Researching different providers and seeking recommendations can help you find a reputable insurance partner.
Before purchasing liability insurance in Montrose or anywhere else, it’s essential to carefully review your coverage options, understand your policy terms and limits, and ensure you have adequate protection for your specific situation.
Montrose Insurance SR22
An SR-22 is typically required by a state’s Department of Motor Vehicles (DMV) or equivalent agency for individuals who have been involved in serious traffic violations or offenses. The most common reasons someone might need an SR-22 include:
- Driving Under the Influence (DUI) or Driving While Intoxicated (DWI): If a driver is convicted of DUI or DWI, they may be required to obtain an SR-22 as part of the process to reinstate their driver’s license.
- Driving Without Insurance: Individuals caught driving without valid auto insurance coverage may need to file an SR-22 to demonstrate financial responsibility before their license can be reinstated.
- Multiple Traffic Offenses: If a driver accumulates multiple traffic violations or offenses within a short period, their state may require them to file an SR-22 to prove they are maintaining adequate insurance coverage despite their driving record.
- At-Fault Accidents Without Insurance: In some cases, if a driver is involved in an accident where they are at fault and they don’t have insurance coverage, they may be required to file an SR-22 to demonstrate their ability to cover future potential liabilities.
- License Suspension or Revocation: Individuals who have had their driver’s license suspended or revoked for any reason may need to file an SR-22 before they can have their driving privileges reinstated.
The purpose of the SR-22 requirement is to ensure that individuals deemed high-risk drivers can demonstrate financial responsibility and maintain adequate insurance coverage as mandated by the state.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Driving without a License | Major | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Speeding | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Parking | Non Moving | NA* |
| DUI | Major | 10 Years |
| Reckless Driving | Major | 5 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| 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 |
If you’re looking for insurance with SR-22 filing in Montrose, Colorado, you can explore various insurance providers in the area. Here are some steps you can take to find insurance with SR-22 filing in Montrose:
- Search Online: Start by searching online for insurance providers in Montrose, Colorado, that offer SR-22 filings. You can use search engines or insurance comparison websites to gather information on different companies and their offerings.
- Contact Local Insurance Agencies: Reach out to local insurance agencies or brokers in Montrose. They often have knowledge of the local requirements and can help you find insurance coverage that meets your needs, including SR-22 filing if necessary.
- Inquire with National Insurance Companies: Many national insurance companies also offer SR-22 filings. You can contact their local agents or customer service representatives to inquire about SR-22 insurance options available in Montrose, Colorado.
- Provide Necessary Information: When contacting insurance providers, be prepared to provide information about your driving history and the reason for needing SR-22 filing. This may include details about any traffic violations or accidents.
- Compare Quotes and Coverage: Obtain quotes from multiple insurance providers and compare them to find the best coverage and rates for your situation. Consider factors such as premium costs, coverage limits, deductibles, and any additional services offered.
- Confirm SR-22 Filing: Ensure that the insurance provider you choose is willing to file an SR-22 form with the Colorado Department of Motor Vehicles (DMV) on your behalf. This filing is necessary to demonstrate financial responsibility and regain your driving privileges if they have been suspended or revoked.
- Maintain Coverage: Once you’ve secured SR-22 insurance, it’s crucial to maintain continuous coverage for the required period specified by the state of Colorado. Failure to do so could result in further consequences, including license suspension or additional fines.
By following these steps and conducting thorough research, you can find insurance with SR-22 filing in Montrose, Colorado, that meets your needs and helps you comply with legal requirements related to your driving history.
| Dairyland | $75 |
| The General | $90 |
| Mendota Ins. Company | $102 |
| Acceptance RTR | $105 |
| National General | $105 |
| Progressive Insurance | $106 |
| Bristol West | $109 |
| AssuranceAmerica | $117 |
| 21st Century | $118 |
| Liberty Mutual | $119 |
Montrose Insurance- Top 10 vehicles we insure
In Montrose, CO there are a good bit of snow and rain. And of course, its popular for its mountain views and exploring. You want to make sure you have a great vehicle for the environment that you live in. We insure lots of different types of vehicles, but as listed below here are the top 10 we insure. Buick, Volvo, Honda, GMC, Audi, Ford F models, Volkswagen, Lexus, Ford and Cadillac.
| 1 | Buick |
| 2 | Volvo |
| 3 | Honda |
| 4 | GMC |
| 5 | Audi |
| 6 | Ford F-Models |
| 7 | Volkswagen |
| 8 | Lexus |
| 9 | Ford |
| 10 | Cadillac |
There are quite a few things that could affect your auto insurance rates for the worse or for the better. Let us list the factors from high impact to low impact on your rates. Credit history and age are a pretty big factor in your auto insurance rating, they have a high impact on that. Factors that are going to have a medium impact are things like gender, type of vehicle coverage, location, and marital status. And your low impact factors are your profession, annual mileage, how long you have owned the vehicle and anti-theft device on your car.
What Rating Factors Affect Your Insurance Rates?
| Factor | Rate Impact |
|---|---|
| Claims History | Medium |
| Gender | Medium |
| Insurance History | Medium |
| Education | Low |
| Anti – Theft Device | Low |
| Lienholder | None |
| Annual Mileage | Low |
| Marital Status | Medium |
| Vehicle Make and Model | Medium |
| Vehicle Safety Features | Medium |
Montrose Insurance Weather and Driving conditions
In Montrose, it is dry year-round. Winters are freezing but short and partly cloudy. Summertime is warm and mostly clear skies. If you want to go to Montrose when its hot, you have at the end of May to mid-September. The colder season lasts about 3 months and that will be towards the end of November up until almost the end of February. Montrose gets about 38 inches a year and 3 inches of snow a year.
Montrose, Colorado
Summer High: the July high is around 84 degrees
Winter Low: the January low is 12 degrees
Rain: averages 12 inches of rain a year
Snow: averages 34 inches of snow a year
Your Credit and how it affects your Montrose insurance premiums
Your credit score shows a lot. It Is also a big factor is your car insurance rates. By looking at your credit score, the auto insurance carrier is going to be able to determine how likely you are to file a claim. They can look at your score and see that you are not paying back a loan or debt and may decide to charge more on your premium. If you have an excellent score, your annual premium could look about $125.00.
| Credit Impact on Insurance rates in Montrose | Average Premium by Score |
|---|---|
| Excellent | $130.98 |
| Good | $147.59 |
| Average | $177.71 |
| Poor | $251.34 |
DMV Information in Montrose, CO
Currently due to COVID-19, the DMV in Montrose, CO is only open for appointments only. You can go online to their website and use their online scheduler. They do have a phase of reopening which you can find here… https://dmv.colorado.gov/phased-reopening-plan-for-dmv.
Meanwhile, as mentioned before, you can visit them online at their website at https://www.montrosecounty.net/75/Vehicle-Registration or call them locally at the numbers listed below on the chart. Take notice of the different locations mentioned here and what each location does.
| Montrose Registration & Title Office |
|---|
| 320 South 1st Street, Montrose, Colorado, 81401 |
| 970-249-3362 |
| Montrose Driver License Office |
|---|
| 86 Rose Lane, Montrose, Colorado, 81401 |
| 970-249-5426 |
Sample Insurance Rates for Montrose
It’s always smart to compare the top insurance companies and their Auto Insurance rates for Montrose, CO. Most residents can save between $400-$500 by conspiring multiple quotes, reading reviews or complaints, and overall doing their research on the best companies. First and foremost, get an idea of the coverage you require in your area before getting a quote. This is the best way to save big on your Auto Insurance premium.
| Sample Rates – Montrose Insurance, Colorado |
|---|
| Sample Quote/ policy location: Montrose Agent :Sy Current Company: Mendota Previous Company: the General Who: male Age: 36 Vehicle: Mercedes-Benz 560SEL Type of coverage: non owners liability Notes: now, online Rate: $163 |
| Sample Quote/ policy location: Montrose Agent :Lauren Current Company: Mendota Previous Company: Geico Who: male Age: 20 Vehicle: Toyota Tundra Regular Cab Type of coverage: homeowners insurance liability Notes: vehicle, policies Rate: $127 |
| Sample Quote/ policy location: Montrose Agent :Lauren Current Company: Suncoast Previous Company: Safeco Who: Young driver Age: 59 Vehicle: Volvo XC70 Type of coverage: cycle insurance liability Notes: Discount, coverage Rate: $339 |
| Sample Quote/ policy location: Montrose Agent :Sy Current Company: Suncoast Previous Company: Orion 180 Who: resident Age: 22 Vehicle: Chrysler Aspen Type of coverage: home insurance liability Notes: premium, multi policy Rate: $193 |
| Sample Quote/ policy location: Montrose Agent :Jola Current Company: Liberty Mutual Previous Company: Farmers Who: Driver Age: 46 Vehicle: Chevrolet SSR Type of coverage: renters insurance liability Notes: rates, multiple lines Rate: $231 |
| Sample Quote/ policy location: Montrose Agent :Jola Current Company: Mendota Previous Company: Progressive Who: Young driver Age: 42 Vehicle: Geo Prizm Type of coverage: liability only full coverage Notes: multi policy, automobile Rate: $252 |
In Montrose, Colorado the state minimum requirements are 25/50/15. This means your insurance will pay out $25,000 per person, up to $50,000 per accident for bodily Injury and $15,000 per property damage – this is paid out to the other party.
Montrose Insurance Violations
Violations can play a big factor in your Montrose insurance rates and total premium. Minor violations, such as a speeding ticket, or defective vehicle equipment ticket can stay on for 3 years. Major violations, such as An At Fault Accident, Reckless driving, or a DUI can stay on for 5 + years. Most people think if they paid their ticket off, or went to court then it will not affect their rates. This is not true, that small speeding ticket you got will stay with you for 3 years, and cause your insurance rates to go up. Check out the chart below for Violation types, and how long they stay with you.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Reckless Driving | Major | 5 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Parking | Non Moving | NA* |
| Speeding | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Failure to Use Turn Signal | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
“Insurance Company Ratings AM Best, and JD Power”
The chart below depicts the Insurance companies near Montrose Colorado and their ratings AM Best and JD Power Claims. Searching for insurance can be tricky, some people may not know that you can shop around, and the price varies for each individual. When choosing the Insurance company, you want to go with, do your research. Make sure they are credible, and have a good customer rating. This can ensure you will be getting great customer service.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| USAA | 900 | A++ |
| Mercury | 837 | A |
| Nationwide | 867 | A+ |
| Allstate Auto Insurance | 853 | A+ |
| MetLife | 867 | A+ |
| NJM Insurance Co. | A+ | |
| Amica Mutual | 898 | A+ |
| Esurance | 844 | A+ |
| Liberty Mutual Insurance | 857 | A |
| State Farm | 878 | A++ |
| Safeco (A division of Liberty Mutual) | 855 | A |
| Progressive Auto Insurance | 856 | A+ |
| Auto Club of Southern California Insurance Group | 866 | A+ |
Best Home and Auto Insurance Policies for New Homeowners
- Progressive Home and Auto Insurance Bundle: Progressive offers a comprehensive home and auto insurance bundle, perfect for new homeowners. You can save on premiums by bundling both policies while enjoying flexible coverage options. Text Us to see if this bundle is right for you.
- Allstate New Homeowner Discount: Allstate provides new homeowners with special discounts on both home and auto insurance policies. You’ll benefit from personalized coverage and exclusive pricing when you combine your policies. Call us at 1.888.445.2793 to explore your discount options.
- State Farm Home Insurance: Known for excellent customer service, State Farm offers comprehensive home insurance coverage that includes protection against natural disasters, theft, and liability. Pairing this with auto insurance ensures complete protection. Text Us to compare coverage options.
- Nationwide SmartRide and SmartHome: Nationwide offers innovative policies with their SmartRide auto program and SmartHome insurance, giving discounts for safe driving and smart home technology. Call us at 1.888.445.2793 to learn more about these programs.
- Liberty Mutual Home and Auto Insurance Bundle: Liberty Mutual’s bundle offers new homeowners the opportunity to save on auto and home insurance while providing robust coverage, including personal property and liability protection. Text Us for more details on Liberty Mutual’s savings.
- American Family Home Insurance: New homeowners can benefit from American Family’s flexible home insurance coverage, which includes dwelling protection, liability, and optional riders for extra coverage. Call us at 1.888.445.2793 to learn more about adding auto coverage for additional savings.
- USAA Home and Auto Insurance for Veterans: USAA offers exclusive discounts and benefits for military members and their families. Combining home and auto insurance offers unbeatable protection at lower rates. Text Us if you qualify for this policy.
- Farmers New Home Discount: Farmers Insurance provides discounts to new homeowners when they purchase home and auto insurance together. Their customizable policies are ideal for tailoring your coverage to meet specific needs. Call us at 1.888.445.2793 for a free quote.
For personalized car insurance advice, call us at 1.888.445.2793.
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FAQs About A Plus Insurance and Montrose Insurance
What types of insurance products does A Plus Insurance offer in Montrose?
A Plus Insurance in Montrose provides a wide range of insurance products, including auto insurance, home insurance, renters insurance, business insurance, and more. Our goal is to offer comprehensive coverage options tailored to the unique needs of our clients in Montrose.
How can I request an insurance quote from A Plus Insurance for my Montrose property or vehicle?
Requesting an insurance quote from A Plus Insurance in Montrose is simple. You can visit our website and use our online quote request form to receive a personalized insurance quote for your property or vehicle. Alternatively, you can contact our Montrose office by phone, and our experienced agents will assist you in finding the right insurance coverage.
What makes A Plus Insurance a trusted choice for insurance in Montrose?
A Plus Insurance stands out in Montrose due to our dedication to personalized service, competitive rates, and a wide range of insurance options. We take the time to understand our clients’ individual needs and provide expert guidance to help them make informed decisions about their insurance coverage. Our commitment is to provide peace of mind through reliable and comprehensive insurance solutions.
How does insurance work in simple terms?
Insurance works by providing financial protection in exchange for regular premium payments. When you have insurance coverage, such as auto or home insurance, the insurance company agrees to cover certain risks and losses. In the event of a covered incident, you can file a claim to receive compensation or coverage for the associated costs. It’s a way to mitigate financial risks and provide peace of mind.
Last Updated on by Marlon Moss