Auto and Home Insurance in Castle Rock CO

Castle rock insurance

Liability Insurance in Castle Rock, Colorado

Sample Rates in Castle Rock

Lots of things can change your auto insurance rates for the better or worse. Down to your zip code matters. In the chart down below, we have 6 different cases to show you sample insurance rates in Castle Rock, CO. As you can see, the clients have different carriers, are all different ages, some are female and some are male, which does make a difference. We also compared what the rates look like for Full coverage or for liability only, how they pay and if they have any violations on their records. Just look at the sample rates and call your agent to find out more information.

Sample Rates in Castle Rock, Colorado
Sample Quote/ policy location: Castle Rock
Agent :Sy
Current Company: Suncoast
Previous Company: American Family
Who: male Age: 58 Vehicle: Dodge Ram Wagon 1500
Type of coverage: non owners , med pay
Notes: state filing, premium
Rate: $269
Sample Quote/ policy location: Castle Rock
Agent :Shawn
Current Company: Suncoast
Previous Company: Geico
Who: resident Age: 51 Vehicle: Hyundai Scoupe
Type of coverage: liability insurance , med pay
Notes: Driver, accidents
Rate: $339
Sample Quote/ policy location: Castle Rock
Agent :Amy
Current Company: Liberty Mutual
Previous Company: Travelers
Who: Female Age: 18 Vehicle: Nissan Frontier King Cab
Type of coverage: full coverage , state min
Notes: print, by phone
Rate: $228
Sample Quote/ policy location: Castle Rock
Agent :Shawn
Current Company: Progressive
Previous Company: State Farm
Who: Driver Age: 29 Vehicle: Geo Prizm
Type of coverage: liability only , uninsured motorist
Notes: deductible , premium
Rate: $239
Sample Quote/ policy location: Castle Rock
Agent :Sy
Current Company: Liberty Mutual
Previous Company: Foremost
Who: motorist Age: 31 Vehicle: Audi A3
Type of coverage: , uninsured motorist
Notes: high risk, id cards
Rate: $279
Sample Quote/ policy location: Castle Rock
Agent :Sy
Current Company: Viking
Previous Company: Nationwide
Who: Female Age: 56 Vehicle: Infiniti J
Type of coverage: broad form , med pay
Notes: online, automobile
Rate: $218

Dmv Addresses and Phone Numbers 

I know we do not really consider DMV’s a fun place to visit. Well, whether we like them or not, they are essential to our everyday needs if we are an insured motorist or have a vehicle. Now, some DMV locations even have where you can go online and make an appointment or even see if there are some of your needs that you can take care of online. In Castle Rock, they have the Registration and Titling and the Castle Rock Driver License Office. See below the locations and phone numbers.

Castle Rock Registration & Titling
301 Wilcox St
Castle Rock, CO 80104
(303) 627-0985
Castle Rock Driver License Office
301 Wilcox St
Castle Rock, CO 80104
(303) 627-0985

Your Credit and how it affects your insurance premiums

If you are wondering if your credit score affects your auto insurance rates, ill answer that for you… YES! Your auto insurance carrier will look at your credit score to determine what your rates could be, and also if they consider you to be a high risk or not. The better your score is, essentially is telling them you are more responsible and trustworthy. Check out the chart below. The chart shows how your score impacts your average premium in Castle Rock and what your rate could look like.

Credit Impact on Insurance rates in Castle Rock
Average Premium by Score
Excellent$124.32
Good$140.09
Average$168.67
Poor$238.56

Violations and how they impact your rate in Castle Rock

Violations are categorized into 3 areas. There are major, minor, and nonmoving violations. Each of those violations depending on what kind they are can impact your insurance rates for several years. Below we have listed a number of violations and how long they affect your rates for.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
At Fault AccidentMajor5 Years
Running a Traffic Light or Stop SignMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
No Proof of insuranceNon MovingNA*
Failure to maintain Clear Distance (tailgatingMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Failure to Secure Load to truck/trailerMinor3 Years
Driving without a LicenseMajor3 Years
Crossing over a Center DividerMinor3 Years
ParkingNon MovingNA*
Non-At-Fault AcccidentMinorNA*
Failure to Use Turn SignalMinor3 Years

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