FIND THE CHEAPEST RATES IN BRIGHTON YOUR AUTO & HOME INSURANCE

Insurance Brighton- Liability Requirements

These are the legal  requirements in Brighton Colorado is 25/25/15.This is the minimum coverage that you need to have to legally drive the vehicle that you are currently driving. Meaning that in Brighton, Colorado in order to drive and meet the law requirements this is the coverage that you need to have. This does not include any comprehensive coverage or collision coverage. This is the absolute bare minimum to retain a legal status in the state of Colorado and in the city of Brighton Colorado.

State	Minimum Coverage Requirements	Average Cost for Minimum Liability Coverage
Colorado	25/50/15	$510

Your Credit And How It Affects Your Brighton Insurance Premiums

You know the third most commonly question we get asked being an insurance agent in Brighton Colorado, is how does credit affect my insurance rates? And Brighton Colorado credit does have a major impact how much you were going to pay for your auto insurance. In Colorado, generally speaking if you have a good credit you were going to pay less for your car insurance. Drivers with not the best credit are typically going to pay more for their car insurance. Statistics show that people with better credit or more likely to pay their car insurance on time. That’s why insurance carriers in Brighton Colorado look for folks with good credit

Credit Impact on Insurance rates in Brighton Average Premium by Score	Price
Excellent	$119.88
Good	$135.09
Average	$162.65
Poor	$230.04

Insurance Brighton Rating Factors

Many who live in Brighton Colorado are surprised how many factors go into a car insurance rate. Such factors as  driving record, claims history, credit history, a vehicles make and model, age, education, and location, and the weather conditions in the area make a huge impact on how much you’re ultimately going to pay for your auto insurance. That’s why it is important to control the rating factors that you can. Ask your agent on which factors you can control yourself.

Factor	Rate Impact
Profession	Low
Major Violations (DUI,DWI,etc)	High
Age	High
Color of car	none
Type of Vehicle Coverage	Medium
Anual Mileage	Low
How long have you owned the vehicle	Low
Marital Status	Medium
anti theft device	Low
Education	Low

Top 10 Vehicles We Insure In Brighton

Does the type of car you drive affect your insurance rates? Absolutely, it does! The year, make, and model of your car helps determine your auto insurance rates. These factors help the insurance company determine how much your vehicle would cost to replace or repair in the event of a total loss or a minor accident. See the date below for the most popular makes in Woodland Park.

1	Audi
2	Chevrolet
3	Jeep
4	Lexus
5	Toyota
6	Dodge
7	Acura
8	Nissan
9	Volkswagen
10	Subaru
11	Ford
12	Hyundai

Attention Drivers In Brighton CO…

Insurance rates have been changing!  It’s a smart idea to get new car quotes/prices periodically, especially if you’ve had a lifestyle change, changed jobs, are required to file an sr22 form, or you only want to see if you can get better rates.

Filling out one form online to receive rates from multiple companies is fast, free and easy to do. Whether you live in Northeast Denver or across the country, these tips will provide the necessary information you need to request for current rates.

Be Careful?

Driving on the roads can be dangerous, even fatal.  In 2016, there have been at least four fatal car accidents in the Brighton area according to the Colorado FARS.  Colorado is broken up into five different reporting zones, Brighton is in Zone 1, which includes Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, and Gilpin areas.  Research shows that there are also increases in fatalities during holiday travel, with the biggest holidays:

New Year’s Day

Memorial Day

Independence Day

Labor Day

Thanksgiving

Christmas

Since January 1, 2016, to October 17, 2017, there have been 479 fatalities due to auto accidents in Colorado.  191 of those deaths are in Region 1.  So why do you need auto insurance, it’s simple. First it is the law, second, you never know what might happen when you are out on the roads.

Gathering Required Information

Different sites may vary slightly, but this should give you a good idea of the topics that will be covered when filling out a request form.

• The names and addresses of each person who will be on your policy.
• A list of each vehicle to be insured.
• The VIN of each automobile to be covered.
• The driver’s license of each person.
• The address and name of any lienholders if the car is financed or leased.
• Employment histories may be required.
• Your current insurance policy.
• Traffic violations and accidents (last five years)
• An estimate of the number of miles each driver will drive to school or work.

Remember, it is essential that you supply accurate information. Not telling the truth about an old accident or tickets is usually discovered anyway, and it may cause you problems in obtaining any coverage if you’re not truthful.

Brighton Affordable Car Insurance

Car insurance in Brighton is very affordable. Most agents offer multi line discounts for customers that hold more than one policy, including renters or homeowners and auto coverage.

Policyholders can get discounts for being a good student, being over the age of 25 and being accident-free.

Monthly premiums can also be reduced by taking out policies with higher deductibles.

Without auto coverage, drivers put themselves at risk for lawsuits, tickets, and license suspensions.

In the event of an accident, the driver of each vehicle is required to provide proof of coverage.

If a driver cannot provide proof of insurance, they can be sued for medical expenses and car repairs, and all of those costs must be paid out of the at-fault driver’s pocket.

Not to mention, if the at-fault driver does not have any insurance, they may not be able to repair or replace their car. Therefore, it is imperative that drivers find a policy they can afford.

Protect yourself and the drivers around you by getting affordable auto insurance in Brighton.

It can mean the difference between getting your car repaired and medical expenses paid after an accident or getting sued and losing your license. Contact our agency at (888) 445 2793.

Impact on rates	Discounts Available
High	No Accidents or Violations
High	Auto Pay
Mild	Education Discount
High	Paid in Full
Mild	Military
Mild	Homeowners
High	Advanced Quote
Very High	Continuous Insurance
Mild	Multi Policy

Insurance Brighton Choosing Insurance Coverage Options

Before requesting a new quote now is a good time to reevaluate your insurance Brighton needs. For example, if you’ve recently married, changed jobs, increased the number of miles you drive or have moved, these factors could increase or decrease premiums.

The state of Colorado does require all drivers to carry liability insurance coverage for bodily injuries and property damages. If you’re driving an older vehicle, you might save some money by dropping coverage for collision or comprehensive.

Whenever you’re considering changing insurance companies, it’s smart to get three or more estimates.

Check online for comparison sites that offer multiple quotes from various carriers for car coverage or motorcycle insurance. You only have to fill out one form on these types of sites, and you’ll receive several quotes back from multiple carriers, which helps to speed up the process.

If you choose to fill out forms on individual carrier sites, it’s critical that you supply the same information and coverage details to compare costs accurately.

Liability Insurance rates in Brighton	Liability State Average
$756.85	$510.15
Full Coverage Insurance in Brighton	Full Coverage TX average
$1,386.55	$934.59

Comparing Auto Insurance Brighton

After receiving your information, it is worthwhile to research each insurance Brighton company carrier to determine whether they have been in business for several years and have a sound financial standing.

To compare, check the deductible amounts to see if they are the same, higher or lower. 

You’ll save money by increasing the amount of your deductible. Check each one to see what discounts are available. Bundling home and automobile coverage with one insurer is a good way to save. Check options for payments to find one that fits your needs. 

Before buying your new car insurance policy, always read the contract carefully to make sure you haven’t overlooked anything.

An insurance agent can help you decide if your current policy meets your needs, or if you are without a policy, they can help you find a policy that meets your needs and budget.

Carrier	Clean Record	Not Clean
National General	$110.00	$180.00
Progressive Insurance	$80.00	$145.00
Dairyland	$110.00	$180.00
Mendota Ins. Company	$100.00	$145.00
The General	$110.00	$180.00
Bristol West	$110.00	$180.00
AssuranceAmerica	$110.00	$180.00
GAINSCO	$110.00	$180.00
Acceptance RTR	$90.00	$145.00
21st Century	$65.00	$120.00
Geico	$110.00	$180.00
Farmers	$95.00	$120.00
State Auto	$80.00	$115.00
USAA	$110.00	$200.00
Allstate	$80.00	$110.00
Liberty Mutual	$80.00	$110.00
Travelers	$105.00	$160.00
Nationwide	$90.00	$155.00
State Farm	$85.00	$115.00
Safeco	$110.00	$200.00
American Family	$110.00	$200.00

Driving History and your Brighton Insurance rates

1. Driving Record: Insurance companies assess your driving history, including any accidents, traffic violations, and claims you’ve made in the past. A clean driving record usually leads to lower insurance rates.
2. Age and Experience: Younger and less experienced drivers often face higher insurance premiums due to statistical evidence suggesting they are more likely to be involved in accidents.
3. Vehicle Type: The make, model, age, and safety features of your vehicle can affect your insurance rates. Generally, newer and safer cars may have lower premiums.
4. Location: Your location, including where you live and where you primarily drive, can influence your insurance rates. Urban areas with higher rates of accidents or theft may lead to higher premiums.
5. Credit Score: In some regions, insurance companies use credit scores as a factor in determining rates. A higher credit score may lead to lower premiums.
6. Coverage Options: The type and amount of coverage you choose will impact your insurance rates. More extensive coverage typically comes with higher premiums.
7. Annual Mileage: The number of miles you drive annually can affect your rates. Generally, driving fewer miles can lead to lower premiums.

Rating Factor	Rate Impact
State Requirements	Medium
anti theft device	Low
Vehicle Make and Model	Medium
Location	Medium
Major Violations (DUI,DWI,etc)	High
vehicle safety features	Medium
Gender	Medium
Credit history	High
Driving record	High
Education	Low

Find Professional Service

A Brighton agent can help you decide on the right auto and home policy to suit your needs.

Do you need full coverage or just liability?

How much of a deductible are you willing to pay before the policy pays out in the event of a car accident?

Do you need a roadside assistance or rental reimbursement add-ons?

Navigating these questions can be difficult, but a qualified agent can make the process easy and fast.

To contact your agency partner for a quote on your home, Business, motorcycle insurance, or auto coverage just call (888) 445 2793.

You’ll save money by increasing the amount of your deductible. Check each one to see what discounts are available. Bundling home and automobile coverage with one insurer is a good way to save. Check options for payments to find one that fits your needs.

Best Home and Auto Insurance Policies for New Homeowners

• Progressive Home and Auto Insurance Bundle
  Enjoy comprehensive coverage with this cost-effective bundle for new homeowners. Features include discounts on home and vehicle insurance when combined, liability coverage, and flexible deductible options.
  Key Benefit: Snapshot program for additional auto savings.
  Call us at 1.888.445.2793 for more details. Text Us
• State Farm New Homeowners Policy
  Protect your home and vehicle with State Farm’s customizable policies. Includes property damage protection, auto accident coverage, and a personal property replacement option.
  Key Benefit: Discounts for installing home security systems.
  Call us at 1.888.445.2793 to learn more. Text Us
• Allstate Auto and Home Insurance for First-Time Homeowners
  Tailored for first-time homeowners, this policy offers bundled savings, coverage for natural disasters, and roadside assistance for your vehicle.
  Key Benefit: Claims-free rewards program.
  Call us at 1.888.445.2793 to discuss. Text Us
• Nationwide Home and Auto Bundle for New Buyers
  Comprehensive coverage options with great savings for bundling. Offers guaranteed replacement cost coverage for your home and accident forgiveness for your auto policy.
  Key Benefit: Multi-policy discounts for new homeowners.
  Call us at 1.888.445.2793 for assistance. Text Us

Additional Colorado Insurance
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Last Updated on October 26, 2024 by Marlon Moss