STEAMBOAT SPRINGS INSURANCE

Coverages, Savings, Vehicles!

When window shopping for Steamboat Springs insurance coverages it can be tedious trying to find the details on each insurance company and what coverages they have to offer, what factors affect your insurance premium, and what carrier is the best option for you. At A Plus Insurance we are always happy to help you make the best decision. 

Colorado Insurance

What type of coverages we offer

In Steamboat Springs, Colorado we offer a variety of insurance coverages with our most common coverage being auto insurance.

However, we also offer business insurance, renters insurance, motorcycle insurance, rv insurance, and commercial auto insurance. Listed below are more details about each coverage and a breakdown on what’s included:

Car insurance: When looking into Steamboat Springs insurance, automobile owners are required to at least obtain liability insurance. Liability insurance covers bodily injury to another person or property damage to another person’s vehicle or property when the person who is insured is at fault.

The minimum required limit is listed below but you can obtain liability with a more higher coverage:

  • 25,000 for bodily injury or death to anyone in said accident 
  • 50,000 for bodily injury or death to all persons in any one accident
  • 15,000 for property damage in one accident. 

Business insurance: When trying to obtain Steamboat Springs Insurance there are only two requirements for commercial insurance policies, and having these policies are only needed under specific situations called workers compensation and business auto. Compensation insurance is required for every small business with any employees by law to have workers comp insurance coverage.

While business auto is needed if the company owns or uses any vehicles for business related purposes they must be insured through commercial auto insurance.   

Renters insurance: When looking into into Steamboat Springs insurance for renters most of the time it is not required but it can be a good idea to have it to protect your belongings from specific types of damages and if they are stolen.

However, your landlord can require renters insurance as part of the legal agreement between tenant and landlord.

Motorcycle insurance: When shopping around for Steamboat Springs insurance, the minimum requirement of insurance that you can obtain for a motorcycle would be the bodily injury for 25,000 per person, bodily injury per accident for 50,000, and property damage for 15,000.

Steamboat Springs Insurance
2022 Steamboat Springs Insurance Guide| A Plus Insurance

In addition Steamboat Springs insurance motorcycle insurance only covers the particular bike that you are getting insurance for; it will not insure you on another person’s bike and in case you are using another person’s motorcycle make sure the rider carrier has an abundant amount of insurance. The best type of insurance for a motorcycle will be listed below:

Liability Coverage: When shopping around for Steamboat Springs insurance, liability coverage is the only minimum requirement to drive your motorcycle legally in Colorado. When you obtain liability it is used to cover third party injuries and property damage whenever in a particular situation you are found to be at fault in the current incident. 

Collision Coverage: When looking into Steamboat Springs insurance, the collision coverage is responsible for covering damages to your motorcycle in an accident, and that’s regardless if you are at fault or the other party. This coverage payout is available in actual value or replacement value in any event the bike is needing to be totaled.

Comprehensive When browsing around for Steamboat Springs insurance, comprehensive is needed when you get into an accident that is a  non collision that is caused by specific events including floods, tornado, theft, or a broken windshield. The same with collision you are allowed to pay for actual or replacement value coverage. 

Personal Injury : Steamboat Springs insurance for personal injury is useful if you’re needing to cover medical payments in the event that you and your passenger suffer injuries in the accident

Accessory Coverage: This coverage is to have if you’re needing coverage on any accessories  or equipment you have on a motorcycle. With this coverage your assessed value in any case your bike is a total loss.

Uninsured Motorist Coverage: The Uninsured motorist coverage is very helpful in case of an event where you are involved in an accident with a driver that does not have insurance hits you on your motorcycle. This coverage will pay for your medical payments and damages. 

Towing/Roadside Assistance Coverage: This coverage can be used if your motorcycle becomes disabled on the road. 

Rv insurance:  When you’re shopping for Steamboat Springs insurance, rv insurance it is good to note that the minimum requirement would be liability insurance to get and it’s best to get rv insurance on a separate plan than the one you already have with your automobile because you might not get all the coverages you need.

RV insurance is a hybrid of auto insurance and home insurance for that reason you can expect RV insurance to cover for auto liability coverage, personal liability coverage, vacation liability coverage, contents coverage, collision coverage, comprehensive coverage, towing and roadside assistance.

Commercial insurance: When shopping for Steamboat Springs insurance, and you’re needing to start a business having commercial insurance is essential especially businesses that are client facing industries. General liability is the minimum requirement for being able to legally run a business but,  When you are shopping around for commercial insurance there are four main common types of commercial insurance that are typically also good to have or required as well.

They are commercial general liability insurance, property insurance, business interruption insurance, and cyber liability insurance.

Cheapest full coverage rates in Steamboat Springs Colorado

Insurance florida
2022 Steamboat Springs Insurance Guide| A Plus Insurance

Which carrier works best for you

When you’re shopping around for Steamboat Springs Insurance its best to look into each carrier to find the best rate for you. Down below are some of our cheapest rates for full coverage insurance:

RankCompanyAverage price
1Bristol West$125.00
2Progressive$125.00
3Mendota$128.00
4Travelers$129.00
5The General$161.00
6Liberty Mutual$185.00
7Dairyland (Viking)$202.00



Best liability rates for Steamboat Springs Insurance

Are you shopping for the state minimum required in Steamboat Springs Insurance? The state minimum required in Colorado is 25,000 per person for bodily injury, 50,000 for bodily injury or death to all persons in any one accident, and 15,000 for property damage. Below are some of the cheapest options for auto insurance in your area.

RankCompanyAverage price
1Progressive$87.00
2Dairyland (Viking)$94.00
3Liberty Mutual$115.00
4Mendota$116.00
5Bristol West$120.00
6Travelers$126.00
7The General$129.00

We save our clients in Steamboat Springs an average of $591.55

We are always striving to give our clients the best possible rates for them and of course to save money! For example, here we saved new customers in Steamboat Springs an average of $591.55. That averages out to $67,392.00 in Japanese Yen! I mean can you imagine what you can save!

New Customers in Steamboat Springs, Colorado Save on Average$591.55
That equals to:
$67,392.00
In Japanese Yen
That equals to:
$48,016.80
In Russian rubles

Colorado insurance

What affects your premium

When looking into Steamboat Springs Insurance there are a lot of factors that play a part in your premium and whether that premium would be cheaper and more expensive such as state requirements, yearly mileage, zip codes, marital status, your car make model, as time passes, and more listed below:

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
SpeedingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
DUIMajor10 Years
Failure to Use a Seat BeltNon MovingNA*
Crossing over a Center DividerMinor3 Years
Failure to YieldMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
At Fault AccidentMajor5 Years
ParkingNon MovingNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years
Expired TagsNon MovingNA*
Failure to Use Turn SignalMinor3 Years

How age and gender affect your insurance rates

AgeMaleFemale
16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08

 Your credit and how it affects your insurance premiums

Credit Impact on Insurance rates in Steamboat Springs Average Premium by Score
Excellent$128.76
Good$145.09
Average$174.70
Poor$247.08

Top 10 vehicles we insure in Steamboat Springs

Not only do we offer a variety of insurance carriers, but we also insure a wide variety of vehicles. We have compiled a list of the top vehicles that we insure in Steamboat Springs. As shown, Honda has the number one spot and at the bottom of the list is Buick. Check out the list for the others!

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

Violations

Violations on your record will absolutely affect your auto insurance rates. Each violation is different as how much of an impact it has on your rates and for how long it affects them. Some violations can stay on your record for 5-10 years. Check out the chart below for violations for Steamboat Springs.

Steamboat Springs Weather and Driving Conditions

Steamboat Springs, Colorado
Summer High: the July high is around 88 degrees
Winter Low: the January Low is around 8 degrees
Rain: averages 22 inches of rain a year
Snow: averages 154 inches of snow a year
Driving a vehicle in Colorado can prove to be treacherous. With the average snowfall for the state at 60-100 inches getting anywhere in the winter is difficult. The city of Steamboat Springs gets 154 inches of snow a year alone. This area also averages about 22 inches of rain each year. See the data above for other weather related info in Steamboat Springs.

Last Updated on by Alexandra Vileikis