Car insurance pricing is a complex process now days. One of the factors within your power that adds to auto insurance premiums is the vehicle make and model you choose. The vehicles ranging from high-performance vehicles, luxury SUVs, sports cars, to the ones that have a low MSRP. The list below shows a variety of vehicles that we insure here in Widefield.
1
Buick
2
Hyundai
3
Subaru
4
GMC
5
Mazda
6
Chevrolet
7
Jeep
8
BMW
9
Ford F-Models
10
Volvo
11
Nissan
12
Audi
Other Types Of Insurance We Offer In Widefield
Type of Coverage
Our Top Companies
Home Insurance
Travelers, ASI, Foremost Star
Renters Insurance
ASI, Foremost
Boat Insurance
Travelers, Progressive
Car Insurance
Progressive, Dairyland,
Commercial Auto Insurance
Progressive
RV Insurance
Progressive, Travelers
Business Insurance
BTIS, Hiscox
Here in Widefield, Colorado we offer much more than just auto insurance. If you have a motorcycle, moped, boat, home, RV or even have a business that needs liability insurance we are here to help. Also, a sublet product we also do carry is umbrella insurance. If there is something specific you are looking for to insure, please do not hesitate to give us a call to find out if we have a product that will fit your needs.
Widefield Weather And Driving Conditions
Weather conditions can have a huge impact on your ability to drive amongst other things. Extreme weather conditions can make a difference. Especially if it mostly affects your ability to see, such as rain, fog, ice, snow, and dust. Here in Widefield some of the most challenging times of year is the winter season just as most other parts of Colorado. When driving, be sure to use precaution and wear your seat belt!
Widefield, Colorado
Summer high: The July high is around 86 degrees
Winter Low: The January low is 18 degrees
Rain: 17 Inches of rain a year
Snow: 31 inches of snow per year
Liability And Full Coverage Rates In Widefield
Liability Insurance rates in Widefield
Liability State Average
$487.35
$510.15
Full Coverage Insurance in Widefield
Full Coverage CO average
$865.12
$934.59
When it comes to insurance on the vehicle you are driving, there are so many different types of coverages you can carry. It starts with the basic liability, which will protect whatever you are liable for. No one, or nothing in your vehicle. This type of coverage averages about $487.35 for the year. When we start to dive into vehicle coverages such as full coverage. This will protect the vehicle if you were to be in an accident with a deductible of course. The price on full coverage can average about $865.12 for the year for individuals. Generally, if you are financing a vehicle, full coverage will be the way to go.
How Age And Gender Affects Your Auto Insurance Rates
Amongst the many factors that impact insurance, your age and gender are some of the primary factors that will determine your rate. Gender will play a part because generally males will take more risks statistically, whereas a female will statistically not be as much of a risk taker. Age is also a factor. Being a young youthful driver considers you are more at risk for accidents and or tickets. Ultimately, all factors have a huge impact on your rate.
Age
Male
Female
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
Insurance Companies We Represent in Widefield
Insurance Companies in Widefield, Colorado that we represent
We are licensed to work with 16 different insurance companies in Widefield, Colorado. This gives us an advantage to offer competitive rates that customers may not find going through a single company. Insurance rates depend upon the risk and each company is able to offer discounts for competitive rates. If a risk is considered too high for one company, it may be expensive, whereas another company may be cheaper.
Your Credit And How It Impacts Your Insurance Rates
Did you know your credit score impacts your insurance rate? The higher the credit, the better the risk for the insurance company. A person with Excellent credit pays roughly $138 whereas a person with poor credit, same vehicle, same driving history may pay upwards to $266 a month. Having good or excellent credit shows you can maintain and pay your bills on time which is favorable to insurance carriers.
Credit Impact on Insurance rates in Widefield Average Premium by Score
Excellent
$138.75
Good
$156.35
Average
$188.25
Poor
$266.25
SR22 Insurance Rates In Widefield
SR22 Insurance Rates in Widefield, Colorado
Below is amount the amounts company adds to the premium to file the SR22 with the state.
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
The average cost of an SR-22 filing in Widefield, Colorado is a $25 flat rate fee per term. Dairyland does not charge for SR-22, while some companies do not even offer SR-22 insurance. SR-22 is simply an attachment that is added onto a policy that notifies the DMV you are carrying insurance. If a policy were to become cancelled, an SR-26 would then be sent out to notify the DMV of the cancellation.
Insurance Rating Factors In Widefield
Rating factors are used to determine the premium for customers by assessing the risk of each individual. It is proven that married people drive safer than single people, therefore is used as a rating factor. Vehicle safety features, claims, and zip codes have a medium impact on the rating factors, whereas; credit and driving history have the highest impact. A customer with several accidents are considered high risk, and the rates will be more expensive.
Factor
Rate Impact
How many drivers per vehicles listed
medium
Marital Status
Medium
vehicle safety features
Medium
vehicle performance (symbol)
Medium
Credit history
High
Driving record
High
Claims History
Medium
Location
Medium
How long have you owned the vehicle
Low
lien holder
None
Violations And How Long They Affect Your Auto Insurance Rates
Violation Name
Major, Minor, or Non Moving
How Long it Will Affect Your Insurance Rates
Non-At-Fault Acccident
Minor
NA*
No Proof of insurance
Non Moving
NA*
Crossing over a Center Divider
Minor
3 Years
Speeding
Minor
3 Years
Reckless Driving
Major
5 Years
Failure to Yeld
Minor
3 Years
Using a Cell Phone with Driving
Minor
3 Years
Failure to Secure Load to truck/trailer
Minor
3 Years
Failure to Stop for a Pedestrian Side walk
Minor
3 Years
Driving without a License
Major
3 Years
Improper Lane use
Minor
3 Years
At Fault Accident
Major
5 Years
Violations are considered a high insurance rating factor when the insurance companies access the risk for their potential customers. Having several At Fault Accidents will make the rate significantly increase for an individual, versus just having a speeding ticket. At fault Accidents and reckless driving tickets are considered major violations and will stay on your record for 5 years. Smaller things like speeding, or improper lane use only stay on for 3 years.
