- Denver Car Insurance and Uninsured Motorist Coverage
- Denver Car Insurance- How Age And Gender Affect Your Rates
- How Credit Score Affects Denver Car Insurance Rates
- Violations-Cheapest Possible Denver, Colorado Car Insurance
- Best discounts for Denver Car Insurance Companies
- Affordable Auto Insurance in Denver, Colorado: Liability Only
- Understanding Full-Coverage Car Insurance and Deductibles in Denver Car Insurance Policies
- Exploring Bundling Options for Cheapest Denver Car Insurance
- Cheapest SR22 Car Insurance Denver, Colorado
- Comparing Denver Car Insurance Policies: Tips for Finding the Best Coverage
- What to expect when shopping for Denver Car Insurance
- Steps to File a Claim with Your Denver Auto Insurance Company
- Is Car Insurance Higher in Colorado?
- Tips for Unlocking Exclusive Home and Auto Insurance Discounts in 2024
- Frequently Asked Questions about Denver Car Insurance
- What types of car insurance are required in Denver?
- How can I find the cheapest car insurance in Denver?
- Are there any specific coverage options recommended for Denver drivers?
- What We Do at A Plus Insurance
Colorado Liability Requirements
Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
VIDEO THAT BREAKSDOWN DENVER CAR INSURANCE
Denver’s streets play by the rules of an “at-fault” state, which means the person responsible for an accident is held financially accountable. That’s where liability insurance steps in, protecting others from your driving mishaps.
Your basic policy breaks down into two primary sections: bodily injury liability and property damage liability. In the Centennial State, the minimum liability limits are typically displayed as 25/50/15, translating to $25,000 per person for bodily injury protection, $50,000 per accident for personal injury protection, and $15,000 for property damage protection.
When it comes to auto insurance in Denver, understanding your coverage is key. Picture this scenario: you’re in an accident in Denver, and you’ve stuck to the city’s minimum auto insurance liability limits. Your auto insurance policy steps in to cover up to $25,000 per person and tops out at $50,000 per accident for bodily injury. But here’s the important bit: this isn’t medical coverage for you; it’s for those in the other vehicle.
Now, let’s talk about the property damage. If you accidentally damage someone else’s property in Denver, like their car or a fence, your auto insurance coverage extends up to $15,000 per accident. But if the costs surpass this limit, guess who’s responsible for the extra expenses?
Sure, finding the cheapest Denver auto insurance rates is on everyone’s mind when they’re behind the wheel in Denver, but don’t forget about fortifying your protection. You might want to consider bumping up those auto insurance liability limits to shield yourself from potential liabilities. And hey, keep in mind that there are additional auto insurance coverage options to bolster your security on Denver’s roads. Your auto insurance is your safety net, so make sure it’s a strong one!
Denver Car Insurance and Uninsured Motorist Coverage
While Colorado law doesn’t mandate uninsured motorist coverage, it’s a smart move for Denver car insurance holders.
This kind of coverage acts as a financial safety net in the unfortunate event of an accident with an uninsured driver. Without it, you might find yourself facing hefty bills for damages and medical expenses.
What’s more, uninsured motorists are more common than you might think, and accidents with them can happen when you least expect it. Therefore, it’s wise to consider adding uninsured motorist coverage to your policy, even if it’s not a legal requirement. Remember, prioritizing protection over the cheapest rate can save you from financial headaches down the road.
Denver Car Insurance- How Age And Gender Affect Your Rates
Age and gender play significant roles in determining your Denver car insurance rates. If you’re a young driver, brace yourself for higher premiums due to the increased risk associated with less driving experience. But here’s the good news: as you gain more experience and hit milestones like turning 25, you can expect those rates to drop.
Historically, male drivers faced higher insurance rates because they were involved in more accidents than their female counterparts. However, recent changes have leveled the playing field, with some states eliminating gender as a rating factor to ensure fairness.
Keep in mind that Denver car insurance companies take these factors into account when setting your policy rates. So, when shopping around for coverage, remember that even if age and gender aren’t in your favor, you can still find competitive rates with the right strategy.
| 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 |
Denver: Where Mile-High Dreams Take Flight
Denver, the crown jewel of Colorado, sits proudly a mile above sea level, offering stunning scenery and breathtaking views. With the Rocky Mountains as its backdrop, this city is a treasure trove of unique experiences. Denver boasts an array of neighborhoods, and nearby cities like Aurora, Brighton, Littleton, Englewood, Commerce City, and Thornton offer their distinct charm.
| Neighborhoods in Denver, Colorado | Cities Near Denver | Zip Codes in Denver |
|---|---|---|
| Civic Center | Aurora, CO | 80210 |
| Cherry Creek | Brighton, CO | 80019 |
| Athmar Park | Littleton, CO | 80022 |
How Credit Score Affects Denver Car Insurance Rates
Your credit score can be a game-changer when it comes to Denver car insurance rates, potentially leading you to the cheapest options. Insurers rely on credit scores to assess risk, and a higher score often translates to fewer claims. So, maintaining good credit not only benefits your financial well-being but also keeps your car insurance premiums in check.
| Denver Car Insurance Providers | Bad Credit Avg. Rates | Good Credit Avg. Rates |
|---|---|---|
| Nationwide | $178 | $134 |
| Dairyland | $169 | $136 |
| National General | $181 | $139 |
| 21st Century | $165 | $141 |
| Mendota Ins. Company | $162 | $145 |
| GAINSCO | $184 | $148 |
| The General | $158 | $148 |
| AssuranceAmerica | $160 | $153 |
| Acceptance RTR | $173 | $156 |
| Geico | $171 | $158 |
| Allstate | $198 | $160 |
| Bristol West | $156 | $163 |
| Progressive Insurance | $163 | $164 |
| American Family | $201 | $166 |
Violations-Cheapest Possible Denver, Colorado Car Insurance
When it comes to Denver car insurance rates, various factors come into play, either helping you secure a great rate or pushing it higher. One of the most significant factors is driving violations.
When you request an auto insurance quote, the agent will inquire about any violations on your record from the past five years. Generally, auto violations can impact your rates for a period ranging from 3 to 5 years. However, more severe violations can have repercussions for up to a decade.
Take a look at the chart below for some violations and their effects on your Denver, CO auto insurance rates.
Remember that a clean driving record can lead to the cheapest possible car insurance rates in Denver, Colorado. So, drive safely and watch those premiums drop!
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| No Proof of insurance | Non Moving | NA* |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Speeding | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
| DUI | Major | 10 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
Best discounts for Denver Car Insurance Companies
You will be happy to know that you can get discounts on your auto insurance policy!
You can easily trim your auto insurance costs with discounts. Most auto insurance carriers offer a variety of discounts, so it’s worth reaching out to your agent to see if you’re maximizing your savings.
Companies like Geico insurance, Progressive, and Allstate usually have a variety of potential ways to obtain the cheapest rates. Discounts can include:
- Safe driver discounts
- Good student discounts
- Multi-policy discounts
- Defensive driving course discounts
- Bundling auto and home insurance policies discounts
- Anti-theft device discounts
- Pay-in-full discounts
- Low-mileage discounts
- Military or veteran discounts
- Affiliation discounts (e.g., alumni or professional organizations)
So, explore these options to get the most value out of your auto insurance policy while keeping more money in your pocket.
Affordable Auto Insurance in Denver, Colorado: Liability Only
Liability-only auto insurance is the cheapest option available, making it a popular choice for budget-conscious drivers in Denver who want to save money on their monthly premiums.
This type of auto insurance coverage exclusively pays for damages and injuries you cause to other people in a car accident. While it is the cheapest option, it’s essential to keep in mind that it does not cover damage to your own vehicle or injuries you sustain in an accident.
If you don’t own a vehicle, consider inquiring with your agent about non-owner’s insurance. Non-owner’s insurance is a fantastic alternative that provides liability coverage even if you don’t own a car.
For those in pursuit of budget-friendly coverage and seeking the cheapest rates in Denver, liability-only auto insurance is the way to go. This choice offers coverage for damages and injuries you may cause to others but doesn’t extend to your vehicle or injuries you may incur. It’s an intelligent decision, especially if you’re driving an older car that isn’t worth substantial repairs.
| Denver Auto Insurance Companies | Average Liability Only Monthly Rate |
|---|---|
| Geico | $81 |
| National General | $83 |
| Mendota Ins. Company | $86 |
| The General | $92 |
| Progressive Insurance | $94 |
| AssuranceAmerica | $96 |
| Acceptance RTR | $110 |
| Dairyland | $112 |
| 21st Century | $120 |
| USAA | $122 |
| Allstate | $125 |
| Bristol West | $128 |
| State Farm | $134 |
| Safeco | $137 |
Average Monthly Rates for Liability-Only Coverage in Denver
Colorado natives know that navigating the icy roads of Denver’s bustling traffic can be quite an adventure. You’ll need a professional guide who can help you navigate without emptying your pockets. We’re here to steer you in the right direction, connecting you with an auto insurance company that offers the coverage you need at a reasonable price.
As independent auto insurance agents, we have the flexibility to shop around with several companies to find the best fit for you. Both owners of A Plus Insurance are Colorado natives, and we understand the unique challenges that Denver presents in the insurance industry. We’re here to provide you with the guidance you need.
Understanding Full-Coverage Car Insurance and Deductibles in Denver Car Insurance Policies
Full coverage car insurance goes beyond liability-only coverage. It includes comprehensive and collision coverage in addition to liability insurance. Comprehensive coverage safeguards your car against non-accident-related damage such as theft or weather-related incidents, while collision coverage comes into play after a collision.
Deductibles also play a role in determining your premium costs – the higher the deductible, the lower the premium. Denver car insurance policies offer various deductible options to cater to your budget and needs, allowing you to find the cheapest rates available.
If you’re still feeling uncertain about your options, don’t hesitate to reach out to one of our auto insurance experts on our team. We’re here to provide you with the guidance and information you need to make informed decisions and secure the cheapest rates possible for your Denver car insurance.
| Full Coverage Companies in Denver | Avg. Full Coverage Monthly Rates |
|---|---|
| National General | $130 |
| Mendota Ins. Company | $145 |
| Travelers | $145 |
| Progressive Insurance | $147 |
| Farmers | $148 |
| AssuranceAmerica | $155 |
| Allstate | $157 |
| 21st Century | $159 |
| Acceptance RTR | $159 |
| Liberty Mutual | $159 |
| Bristol West | $163 |
| Nationwide | $164 |
| State Farm | $169 |
| USAA | $170 |
Exploring Bundling Options for Cheapest Denver Car Insurance
Looking to cut costs in the Mile High City? Bundling your car insurance with other policies, such as homeowner’s or renter’s insurance, can earn you discounts and lower your rates. Explore your bundling options and see if you can save on your car insurance.
- Homeowners or Renters Insurance: Bundling your car insurance with homeowners or renters insurance is a popular option. This can help you save money on both policies.
- Motorcycle Insurance: If you own a motorcycle, bundling your car insurance with motorcycle insurance can be a smart move. You may be able to save money on both policies.
- Boat Insurance: If you own a boat, you can bundle your car insurance with boat insurance. This can help you save money and simplify your insurance needs.
Cheapest SR22 Car Insurance Denver, Colorado
Denverites in need of license reinstatement after a suspension or revocation should be familiar with SR22 insurance. It’s a specific type of insurance certificate mandated by the state. This document verifies that you’ve acquired the required liability insurance coverage, and it must be filed with the Colorado Department of Motor Vehicles (DMV).
SR22 is vital for maintaining your driving privileges in Denver, so make sure to consult one of our agents for guidance and SR22 insurance quotes.
The SR22 is used to monitor a driver’s insurance status, and any lapse in coverage will result in the driver’s license being suspended again. In Denver, it is important to have an SR22 if you want to get your license reinstated after a suspension or revocation.
At A Plus, we help offer advice and guidance when choosing what type of insurance best suits your needs. That includes SR22 insurance quotes. Please contact one of our agents today via phone or online. 303-355-2337. Just as our website indicates, we are here to help and serve our clients.
Home Sweet Home: Littleton’s Car Insurance Scene
Just a stone’s throw from Denver, Littleton boasts a slew of local car insurance companies. While national giants may grab your attention, don’t overlook the local gems. Supporting local businesses can be gratifying and ensure you get the personalized service you deserve. And now, we’re extending our coverage to Brighton, Colorado!
Comparing Denver Car Insurance Policies: Tips for Finding the Best Coverage
Finding the best car insurance coverage in Denver begins with understanding your options. Beyond the required coverages, there are additional choices to consider. These include:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP) coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Gap insurance
- Towing and labor coverage
- Rental reimbursement coverage
Some of these additional coverage’s include, but are not limited to, uninsured motorist bodily injury protection, uninsured motorist property damage protection, comprehensive coverage, collision coverage, rental reimbursement, roadside assistance , and lease loan payoff.
The uninsured motorist driver protection options will help protect you from other drivers who may hit you in an accident, they are at fault, but are not carrying an active policy for Denver Colorado. Comprehensive and collision coverage are the elements that help form what people commonly refer to as full coverage insurance.
Comprehensive will help protect the vehicle from resulting damage not caused by an accident such as theft, fire, vandalism, glass, etc. Collision coverage is what helps protect your vehicle damage in the event of an accident – even if you are the one, who is at fault. Comprehensive and collision coverage are usually associated with a deductible.
Selecting the right car coverage is crucial. To get the best deal, shop around, compare quotes, and consult an agent for guidance. They can help you navigate the fine print and tailor your policy to your specific needs to get the best rates possible.
What to expect when shopping for Denver Car Insurance
When you look to get your car insurance quote, you will be asked a few questions. These will be related to your driving history. It is important, to be honest here as you need the quote to be as near to the end rates as possible!
Talking to an agent is probably the best way to get your car quote. This person will do all the hard work of form filling for you, and it is always better to hear what your options are. The agent will be able to explain these to you also.
In Littleton, there are a lot of car insurance companies. It is a good idea to get some quotes online, as it would be difficult to visit them all! But if you have time, it is an investment to call or visit a couple of the Littleton car insurance companies. See what they offer when you speak to an agent!
Looking for local agents for Auto or home insurance, to help you save on you some money?
Steps to File a Claim with Your Denver Auto Insurance Company
Filing an insurance claim in Denver can be a complex process, but it’s essential to secure the compensation you deserve. Here are the five key steps to take when filing a claim:
- Review your insurance policy to ensure your claim is covered.
- Document the damage with photos and itemized lists.
- Contact your insurance company, providing all necessary details.
- Cooperate with the claims adjuster assigned to your case.
- Maintain meticulous records of all communications with your insurance company.
At A Plus, we’re here to help. We’re your trusted advisors, serving our clients with the expertise that only local insiders can provide.
Is Car Insurance Higher in Colorado?
Car insurance rates in Colorado tend to be higher than the national average for several reasons. Understanding these factors can help you navigate the complexities of finding the right auto insurance policy that meets your needs while also adhering to state requirements. Here are some of the key reasons why car insurance might be more expensive in Colorado:
1. High Rate of Natural Disasters
Colorado is prone to a variety of natural disasters, including hail storms, wildfires, and snowstorms. These events can cause significant damage to vehicles, leading to higher claims and, consequently, higher insurance premiums for residents.
2. Increasing Population and Urbanization
The population in Colorado has been growing steadily, particularly in urban areas like Denver, Boulder, and Colorado Springs. More people means more drivers on the road, which increases the likelihood of accidents. Urbanization also leads to higher rates of theft and vandalism, contributing to higher insurance costs.
3. Rising Repair and Medical Costs
The cost of vehicle repairs and medical care has been rising nationwide, and Colorado is no exception. As these costs increase, insurance companies may raise premiums to cover the higher expenses associated with claims for vehicle damage and personal injuries.
4. Legislation and Insurance Requirements
Colorado requires drivers to carry liability insurance, which includes bodily injury and property damage coverage. Additionally, Colorado is a “fault” state, meaning that the driver who causes an accident is financially responsible for the damages. These requirements, along with any additional legislation regulating insurance, can influence the cost of premiums.
5. High Vehicle Value and Usage
The type of vehicles Coloradans prefer and how they use them can also impact insurance rates. For instance, if there’s a trend towards owning newer, more expensive vehicles, or vehicles that are considered riskier to insure (like sports cars), average premiums might be higher. Additionally, if residents tend to drive more miles, the increased exposure to risk can lead to higher insurance costs.
Mitigating High Insurance Costs in Colorado
Despite the higher average costs, individuals can take several steps to manage their car insurance expenses in Colorado:
- Shop Around: Compare quotes from different insurance companies to find the best rates and coverage options.
- Bundle Policies: Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, to qualify for discounts.
- Increase Deductibles: Opting for a higher deductible can lower your premium, but make sure you can afford the deductible in case of a claim.
- Maintain a Good Driving Record: Safe driving can qualify you for discounts and lower rates over time.
- Take Advantage of Discounts: Many insurers offer discounts for things like having a safe driving record, being a good student, or installing anti-theft devices in your vehicle.
In summary, while car insurance rates in Colorado are generally higher due to factors like natural disasters, population growth, and rising costs, drivers can still find ways to manage and reduce their insurance expenses through careful comparison shopping and taking advantage of discounts and other savings strategies.
Tips for Unlocking Exclusive Home and Auto Insurance Discounts in 2024
- Multi-Policy Discount: Combine your homeowners insurance and auto insurance under the same provider to receive a significant discount. Many insurance companies offer multi-policy discounts in 2024. Call us now to explore bundling options.
- Good Driver Discount: In 2024, many providers are increasing savings for safe drivers with clean records. If you’ve had no accidents or violations in the past few years, you could qualify for a good driver discount. Text Us to find out if you’re eligible.
- Green Home Discount: Homeowners who make energy-efficient upgrades such as installing solar panels or eco-friendly appliances may qualify for exclusive discounts on home insurance in 2024.
- Pay-in-Full Discount: Pay your entire insurance premium upfront for 2024 to receive a pay-in-full discount. This option can save you money compared to monthly payments. Call today for details.
- Telematics Programs: Enroll in your provider’s telematics program in 2024 to get personalized discounts based on your driving habits. Usage-based programs reward safe driving and low mileage with savings on auto insurance. Text Us to learn more.
- Military Discount: Active and retired military personnel can take advantage of exclusive home and auto insurance discounts in 2024. Contact us at 1.888.445.2793 for more information on military savings.
- Home Security Discount: Installing a security system in 2024 could unlock a discount on your homeowners insurance. Many providers offer savings for homes with burglar alarms, cameras, or other security features.
- Safe Vehicle Discount: If your vehicle comes equipped with advanced safety features such as anti-lock brakes or lane departure warning systems, you may qualify for exclusive auto insurance discounts in 2024. Text Us to see if your car is eligible.
- Claims-Free Discount: Going without filing a claim for several years can make you eligible for a claims-free discount in 2024. Call us today to check your eligibility for claims-free savings.
- New Homebuyer Discount: If you’ve recently purchased a home in 2024, many providers offer new homeowner discounts on home insurance. Text Us for details on how to qualify for this discount.
Frequently Asked Questions about Denver Car Insurance
What types of car insurance are required in Denver?
In Denver, drivers are required to have liability insurance, which includes bodily injury and property damage coverage. Colorado law mandates minimum coverage amounts, but it’s often advisable to consider higher limits for better protection.
How can I find the cheapest car insurance in Denver?
To find the cheapest car insurance in Denver, it’s essential to compare quotes from multiple insurance companies. Consider leveraging discounts, such as multi-policy discounts, safe driver discounts, and others. Additionally, maintaining a good driving record and a high credit score can help lower your rates.
Are there any specific coverage options recommended for Denver drivers?
Given Denver’s variable weather conditions and the possibility of natural disasters, drivers may benefit from comprehensive coverage, which covers non-collision-related damage to your vehicle. Additionally, considering the higher than average rate of vehicle thefts, an anti-theft device might be a wise investment that could also lower your insurance premiums.
For personalized assistance with Denver Car Insurance, call us at 1.888.445.2793.
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Last Updated on by Zee Caddick