Widefield Insurance

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Cheap Widefield Insurance Car & Home Insurance

Top 10 Vehicles we insure in Widefield

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.

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

Other Types Of Insurance We Offer In Widefield

Type of CoverageOur Top Companies
Home InsuranceTravelers, ASI, Foremost Star
Renters InsuranceASI, Foremost
Boat InsuranceTravelers, Progressive
Car InsuranceProgressive, Dairyland,
Commercial Auto InsuranceProgressive
RV InsuranceProgressive, Travelers
Business InsuranceBTIS, 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 WidefieldLiability State Average
$487.35$510.15
Full Coverage Insurance in WidefieldFull 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.

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

Insurance Companies We Represent in Widefield

Insurance Companies in Widefield, Colorado that we represent
Victory
The General
Bristol West
Suncoast
Best Choice
Mendota
ASI
Travelers
USLI
Safeway
Progressive
Gainsco
Assurance America
Orion 181
Dairyland
Foremost Star
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.
CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 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.

FactorRate Impact
How many drivers per vehicles listedmedium
Marital StatusMedium
vehicle safety featuresMedium
vehicle performance (symbol)Medium
Credit historyHigh
Driving recordHigh
Claims HistoryMedium
LocationMedium
How long have you owned the vehicleLow
lien holderNone

Violations And How Long They Affect Your Auto Insurance Rates

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Non-At-Fault AcccidentMinorNA*
No Proof of insuranceNon MovingNA*
Crossing over a Center DividerMinor3 Years
SpeedingMinor3 Years
Reckless DrivingMajor5 Years
Failure to YeldMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Driving without a LicenseMajor3 Years
Improper Lane useMinor3 Years
At Fault AccidentMajor5 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.
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Last Updated on November 6, 2021 by Shawn Christie

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