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 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 | |
| Liability Insurance rates in Montrose | Liability State Average |
| $474.44 | $510.15 |
| Full Coverage Insurance in Montrose | Full Coverage CO average |
| $869.17 | $934.59 |
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 |
| lien holder | None |
| Anual Mileage | Low |
| Marital Status | Medium |
| Vehicle Make and Model | Medium |
| vehicle safety features | Medium |
Montrose 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.
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+ |
Last Updated on by Lauren Mckenzie