- Winter Park Insurance: Rating factors
- Winter Park Insurance: Nearby cities and neighborhoods
- Winter Park Insurance: Companies We Represent
- Winter Park Insurance Rates
- Winter Park Insurance: How Violations Affect Auto Rates
- Winter Park Insurance Rates
- Winter Park Discounts
- Winter Park Insurance: Liability and full coverage Rates
- Winter Park Insurance: weather and driving conditions
- Winter park Insurance: SR-22 Filing
- Is Car Insurance Higher in Colorado?
- Frequently Asked Questions About Winter Park, Colorado Auto Insurance
- The Advantages Of Using This Site When Looking For Colorado Springs Auto insurance
- INSURANCE SERVICES WE OFFER
Winter Park Insurance: Rating factors
When it comes to auto insurance, there is quite a few factors in determining your insurance rates. Insurance carriers will take these factors into consideration when providing you with a quote. We put together a list below of some of the factors and how much of an impact they each have on your rates.
| Rating Factor | Rate Impact |
|---|---|
| Factor | Rate Impact |
| vehicle safety features | Medium |
| vehicle performance (symbol) | Medium |
| Profession | Low |
| anti theft device | Low |
| Insurance History | Medium |
| Age | High |
| How many drivers per vehicles listed | medium |
| State Requirements | Medium |
| How long have you owned the vehicle | Low |
| Credit history | High |
Winter Park Insurance: Nearby cities and neighborhoods
Winter Park, CO, also called Fraser Valley is known as the Mountain Bike Capital. It has over 600 miles of trails. It is also one of Colorado’s longest operated ski resorts. We wrote here above the neighborhoods and cities that are nearby Winter Park. Like the rest of Colorado, this is just another great place to live and visit!
| Neighborhoods in Winter Park, Colorado | Cities Near Winter Park |
|---|---|
| Blacks Fork | Empire, CO |
| Hideaway Village | Fraser, CO |
| High Country | Granby, CO |
Winter Park Insurance: Companies We Represent
We work with quite a few different insurance companies so that we can provide you with the best quote. Below is a list of the insurance companies that we represent in Winter Park, CO. Whether you are needing auto, home, renters, motorcycle and even business we have a carrier we work with that we can help you with that.
| Insurance Companies in Winter Park, Colorado that we represent |
|---|
| Victory |
| USLI |
| Bristol West |
| Mendota |
| Assurance America |
| Foremost Star |
| Best Choice |
| Progressive |
| Gainsco |
| Dairyland |
| The General |
| Travelers |
| Suncoast |
| Orion 180 |
| Safeway |
| ASI |
Winter Park Insurance Rates
When it comes to determining your auto insurance rates, a lot of people do not realize all the factors involved. One of those are your age and gender. I mean, lets face it, if you are a young driver you are not considered as experienced as older motorists. You can see some examples of rates here by age and gender.
| 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 |
Winter Park Insurance: How Violations Affect Auto Rates
Like it or not, having violations on your record will affect your insurance rates. Depending on what violation you have, it can impact your rates for more than 5 years! When it comes to violations, there are major, minor, and non- moving. If you look below you will see violations listed and how long they impact your auto insurance.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Driving without a License | Major | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Failure to Use Turn Signal | Minor | 3 Years |
| DUI | Major | 10 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Reckless Driving | Major | 5 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
Winter Park Insurance Rates
We use many different insurance carriers so that when we give you a quote, we can give you the best rate for you. We put together a list of some of the companies we work with in Winter Park and what the average price of full coverage that our customers pay.
| Rank | Company | Average price |
|---|---|---|
| 1 | Progressive | $124.00 |
| 2 | Mendota | $137.00 |
| 3 | Bristol West | $138.00 |
| 4 | Travelers | $146.00 |
| 5 | The General | $161.00 |
| 6 | Liberty Mutual | $190.00 |
| 7 | Dairyland (Viking) | $204.00 |
Winter Park Discounts
Who doesn’t love to hear that you are eligible for a discount?! Are you taking advantage of all the discounts you can get with your auto insurance? You can contact your agent today and see what’s available for you. We went ahead and listed some discounts below and how much of an impact it can have on your rates.
| Impact on rates | Discounts Available |
|---|---|
| Mild | Multi Vehicle |
| Mild | Military |
| High | No Accidents or Violations |
| High | Advanced Quote |
| Mild | Married |
| Mild | Homeowners |
| Mild | Paperless Discount |
| Mild | Education Discount |
| Very High | Continuous Insurance |
Winter Park Insurance: Liability and full coverage Rates
When it comes to insuring your vehicle, you want to make sure you are getting the cheapest rates possible and hopefully with the best coverage. Here you can see what the comparison of liability coverage and Full coverage insurance rates in Winter Park, CO against what the average cost is for both in the state of CO.
| Liability Insurance rates in Winter Park | Liability State Average |
|---|---|
| Liability Insurance rates in Winter Park | Liability State Average |
| $479.54 | $510.15 |
| Full Coverage Insurance in Winter Park | Full Coverage CO Average |
|---|---|
| $878.52 | $934.59 |
Winter Park Insurance: weather and driving conditions
If you like snow and the cold, CO is the place for you! Now, you will still get to experience some summer weather in July there which gets to around 75 degrees. The winter- time in January gets to about 5 degrees! Each year Winter Park gets about 187 inches of snow!
| Weather in Winter Park, Colorado |
|---|
| Summer High: the July high is around 75 degrees |
| Winter Low: the January Low is around 5 degrees |
| Rain: averages 24 inches of rain a year |
| Snow: averages 187 inches of snow a year |
Winter park Insurance: SR-22 Filing
SR22 is a certificate or document that can be obtained by your auto insurance carrier. It proves you are carrying car insurance that meets the states minimum coverage. When you get your SR22, it is filed with your state. You can find out here which carrier offer it and how much it costs to file for it.
| Insurance Company | Average SR22 Filing Fee |
|---|---|
| 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 |
Is Car Insurance Higher in Colorado?
Car insurance rates can vary depending on a variety of factors, including the state in which you reside. In Colorado, several factors may contribute to car insurance rates being relatively higher compared to other states:
- Weather Conditions: Colorado experiences a range of weather conditions, including snowstorms, hailstorms, and wildfires. These weather events can increase the likelihood of accidents and vehicle damage, leading to higher insurance premiums.
- Population Density: Areas with higher population density often have more traffic congestion and a higher frequency of accidents, which can result in higher insurance rates. While Colorado is not as densely populated as some states, cities like Denver and Colorado Springs have growing populations that can impact insurance rates.
- Uninsured Motorists: Colorado has a relatively high percentage of uninsured motorists compared to other states. This increases the risk for insured drivers and may contribute to higher insurance premiums.
- Legal Factors: Colorado’s legal environment, including state laws and regulations, can also influence insurance rates. For example, insurance requirements, legal liability limits, and state-specific regulations can affect the cost of insurance coverage.
- Cost of Living: The cost of living in Colorado, including factors like housing costs and medical expenses, can influence insurance rates. Higher costs of living may lead to higher insurance premiums to cover potential liabilities and damages.
It’s important to note that while car insurance rates in Colorado may be higher compared to some other states, individual premiums can vary significantly based on factors such as driving history, age, type of vehicle, coverage limits, and insurance provider. Therefore, it’s advisable to shop around and compare quotes from multiple insurance companies to find the best coverage at the most competitive rate for your specific circumstances.
Frequently Asked Questions About Winter Park, Colorado Auto Insurance
Q1: What are the minimum auto insurance requirements in Winter Park, Colorado?
A1: In Winter Park, Colorado, the minimum auto insurance requirements typically include liability coverage for bodily injury and property damage. It’s important to comply with these requirements to legally operate a vehicle in the state.
Q2: How can I find affordable auto insurance rates in Winter Park, Colorado?
A2: To find affordable auto insurance rates in Winter Park, Colorado, consider comparing quotes from multiple insurance companies. Factors such as your driving history, the type of vehicle you own, and your desired coverage levels can impact your rates. A licensed insurance agent can provide guidance and help you find the most suitable policy.
Q3: Are there any specific considerations for auto insurance in Winter Park, Colorado?
A3: Yes, when it comes to auto insurance in Winter Park, Colorado, it’s important to consider factors like winter driving conditions, the risk of snow and ice, and the potential for wildlife-related accidents. Ensuring that you have appropriate coverage for these situations is essential for your safety.
Q4: What is a quote for car insurance?
A4: A car insurance quote is an estimate of the cost of an auto insurance policy. It provides information on the premium you would pay for the coverage you need. To get a car insurance quote, you can contact insurance providers, fill out online quote forms, or consult with insurance agents. It helps you understand the potential cost of insurance and compare options to find the best policy for your needs.
The Advantages Of Using This Site When Looking For Colorado Springs Auto insurance
- Save Yourself Time and Money
- Convenient access at any time of day
- Quotes from multiple, trusted companies
- Limits the amount of agents You give Personal info to
- The multiple quotes will be presented in a way that makes the rates and coverage easy to compare. For additional information, please refer to the website.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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Last Updated on by Lauren Mckenzie