AUTO – COLORADO
Insurance Firestone: How to Get the Cheapest Auto Rates
START HERE with Liability only and potentially get insured for $72.00! This is the required insurance amount to drive legally in Colorado, 25/50/15 is the minimum. $25,000 per person up $50,000 and $15,000 in property damage.
- Insurance Firestone: How to Get the Cheapest Auto Rates
- Firestone Insurance Rates
- Insurance Firestone: Your credit and how it affects your insurance premiums
- Insurance Firestone: Insurance company ratings AM best and JD Power
- Insurance Firestone: How Much We save our Clients
- Firestone Insurance Rates: Liability and Full coverage
- Insurance Firestone: Weather and driving Conditions
- Insurance Firestone: Top 10 vehicles we insure
- How Violations Affect Your Firestone Insurance Rates
- Insurance Firestone: Rating Factors
- Insurance Firestone: SR22 Insurance in Colorado
- Firestone Discounts
- Insurance Firestone Facts and Myths
- What types of motorcycle insurance does A Plus Insurance offer in Mississippi?
- How does A Plus Insurance assist in finding affordable motorcycle insurance rates?
- Is there a contact number to discuss motorcycle insurance options with A Plus Insurance?
- What car insurance coverage should I have in Colorado?
Firestone Insurance Rates
| Carrier | Average Cost |
|---|---|
| Dairyland | $72 |
| National General | $86 |
| Progressive Insurance | $89 |
| The General | $95 |
| AssuranceAmerica | $105 |
| Liberty Mutual | $110 |
| Geico | $112 |
| Mendota Ins. Company | $114 |
| USAA | $116 |
| American Family | $119 |
| State Auto | $126 |
| Bristol West | $130 |
| Acceptance RTR | $133 |
| Travelers | $137 |
When it comes to auto insurance rates, in most states, age and gender still affect the underwriting.
Age is a factor because many insurance companies feel that the older and more experienced you are, the less likely you are to get in an accident, therefore the less your rates end up being.
The younger you are, you are more inexperienced, so you are more of a risk to insurance companies.
Check out the chart below for rates in Firestone, CO by your 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 |
Insurance Firestone: Your credit and how it affects your insurance premiums
Even if you think it’s unfair if gender is a factor in your insurance rates…it’s nothing compared to the affect that your credit score has.
Insurance companies are going to look at your credit score…there is no way out of it. Depending on how good or bad it is determines if they consider you to be a good client for them that is dependable or not.
If you see the chart below it shows average premiums in Firestone, CO by credit score.
| Credit Score Level | Average Insurance Rate |
|---|---|
| Excellent | $111.00 |
| Good | $125.08 |
| Average | $150.60 |
| Poor | $213.00 |
Insurance Firestone: Insurance company ratings AM best and JD Power
Customer service is a particularly important thing when it comes to business ratings.
When choosing an auto insurance company, you have lots of options out there. So, when it comes down to it you are going to want to choose the one with the better ratings. We made up a list of insurance companies in Firestone, CO, and their ratings.
| Insurance Company | J.D. Power Claims | A.M. BEST RATING |
|---|---|---|
| Progressive Auto Insurance | 856 | A+ |
| USAA | 900 | A++ |
| State Farm | 878 | A++ |
| Automobile Club Group | 857 | A++ |
| Travelers | 865 | A++ |
| Amica Mutual | 898 | A+ |
| American Family Insurance | 857 | A |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| Mercury | 837 | A |
| Farmers Insurance | 865 | A |
| The Hartford (AARP insurance) | 873 | A+ |
| Nationwide | 867 | A+ |
| Liberty Mutual Insurance | 857 | A |
Sometimes just because an insurance company has cheap rates…doesn’t always make them the best option. Remember to take customer service into consideration!
Insurance Firestone: How Much We save our Clients
One mistake that many people make when choosing their insurance company, is that they often settle too quickly without shopping around first for other rates.
However…that’s where we come in…
We have the expertise and the software to search through at least 13 different insurance companies to compare rates. A Plus Insurance prides itself for being low pressure too, so if you don’t hear a quote you are happy with…that’s ok! Just give us 15 minutes to try.
| New Customers in Firestone, Colorado Save on Average | $592.55 |
| Number of Eggs you could buy | 5407 |
| Pound of bananas you could buy | 1157 |
| Pound of Potatoes you could purchase | 853 |
Progressive Vs. Geico
If you choose your insurance company based on their mascot…maybe you should let us help you out…
Firestone Insurance Rates: Liability and Full coverage
Liability insurance coverage is required in the state of CO.
The liability rates required is 25/50/15.
In Firestone, CO we wrote out the average annual Rates compared to the state of CO average. Just liability alone in Firestone, CO runs about $474.44 and average annual for Full Coverage is around $869.17. Contact your agent today for more information.
| Liability Insurance rates in Firestone | Liability State Average |
|---|---|
| $474.44 | $510.15 |
| Full Coverage Insurance in Firestone | Full Coverage CO average |
|---|---|
| $869.17 | $934.59 |
Insurance Firestone: Weather and driving Conditions
As with the rest of the gorgeous state of Colorado, Firestone is no different when it comes to the great weather!
You can expect about 36 inches of snow a year and about 15 inches of rain. You can enjoy the summer weather in July with a high of 98 degrees and the winter time hits about January with a low of 13 degrees.
Why is weather even something to consider when it comes to insurance?
If a location is known for a high amount of weather events such as forest fires, flooding, tornadoes, etc., this means the insurance company is likely to pay out on more claims(if damage is done to your home or auto), therefore rates might be higher in that area.
| Firestone, Colorado |
|---|
| Summer high: The July high is around 98 degrees |
| Winter Low: The January low is 13 degrees |
| Rain: 15 Inches of rain a year |
| Snow: 36 inches of snow per year |
Insurance Firestone: Top 10 vehicles we insure
We insure so many types and models of vehicles so we formulated a list of the top 12 vehicles in Firestone, CO.
Hyundai is the number one vehicle there followed by Nissan and Honda.
Acura got the number 10 spot.
Even if you do not see your model here, we still insure it! Contact your agent today and see how we can help you.
| 1 | General Motors |
| 2 | Hyundai |
| 3 | Ford F-Models |
| 4 | Volkswagen |
| 5 | Mazda |
| 6 | Cadillac |
| 7 | Subaru |
| 8 | Nissan |
| 9 | BMW |
| 10 | Jeep |
| 11 | Chevrolet |
| 12 | Honda |
Don’t see it on the list? Doesn’t mean we don’t insure it…call us with your questions.
How Violations Affect Your Firestone Insurance Rates
More factors that play a major part in your auto insurance rates are violations. If you are a motorist om Firestone, CO there are lots of violations out there, some are major, and some are minor. The major violations can stay affecting your insurance rates for 5-10. What are they? If you look at the list below its shows some violations and how long they can affect your rates.
| Violation or Claim Type | Classification of Violation | How Long it will Affect Your Rates |
|---|---|---|
| No Proof of insurance | Non Moving | NA* |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to Yeld | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Reckless Driving | Major | 5 Years |
| DUI | Major | 10 Years |
| Improper Lane use | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
Insurance Firestone: Rating Factors
If you are a motorist in Firestone, CO you may wonder what rating factors impact your auto rates.
Some of the popular ones are your gender, age, driving and credit history, claims history and your location. There are a few more than what we just named. If you check out the chart below it shows some factors and what kind of impact it has on your rates.
| Factor | Rate Impact |
|---|---|
| Factor | Rate Impact |
| lien holder | None |
| Profession | Low |
| State Requirements | Medium |
| How many drivers per vehicles listed | medium |
| Credit history | High |
| Driving record | High |
| Major Violations (DUI,DWI,etc) | High |
| Anual Mileage | Low |
| Location | Medium |
| Type of Vehicle Coverage | Medium |
Insurance Firestone: SR22 Insurance in Colorado
SR22 is a certificate of proof that you are carrying auto insurance. Now, not every auto insurance companies offer SR22. If the company does, there is a filing fee for it.
We have listed some auto insurance companies in Firestone, CO and how much their filing fee is and if they even offer it.
| Insurance Company | SR22 Filing 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 |
Firestone Discounts
Everybody loves discounts! What is even better is that you can get discounts on your auto insurance. What kind of discounts could you be eligible for?
Get ahold of your agent today and they can tell you which discounts you may qualify for. We have listed a few popular companies in Firestone, CO, and what kind of discounts they offer.
| Assurance America Discounts | Bristol West Discounts |
|---|---|
| No Accidents or Violations | Homeowners |
| Multi Vehicle | Multi Policy |
| Paid in Full | Paid in Full |
| Auto Pay | Auto Pay |
| Continuous Insurance | Married |
| Married | Multi Vehicle |
| Homeowners | Continuous Insurance |
| – | No Accidents or Violations |
| – | Advanced Quote |
Are there any questions we didn’t answer here? Just give your Firestone Insurance agent a call and we are happy to help!
Insurance Firestone Facts and Myths
Facts:
- Legal Requirement: In most places, auto insurance is legally required for drivers. This insurance typically includes liability coverage to pay for damages and injuries you cause to others in an accident.
- Types of Coverage: Auto insurance policies typically include several types of coverage, such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) or medical payments coverage.
- Premium Determinants: Insurance premiums are determined by various factors, including your driving record, age, gender, location, type of vehicle, annual mileage, and credit score in some cases.
- Discounts Available: Most insurance companies offer discounts that can help lower your premium. These discounts may be based on factors such as safe driving habits, completion of defensive driving courses, bundling multiple policies, or having certain safety features installed in your vehicle.
- Coverage Limits: Auto insurance policies have coverage limits, which represent the maximum amount the insurance company will pay for covered losses. It’s essential to choose coverage limits that adequately protect your assets and financial well-being.
Myths:
- Color of Car Affects Premiums: Contrary to popular belief, the color of your car does not directly impact your insurance premium. Insurers determine premiums based on factors like the make and model of the vehicle, its age, safety features, and the driver’s personal information.
- Minimum Coverage is Always Sufficient: While state laws mandate minimum coverage requirements, this may not be enough to protect you adequately in the event of a severe accident. It’s crucial to consider your assets and potential liabilities when determining your coverage limits.
- Insurance Follows the Driver, Not the Car: In most cases, auto insurance primarily follows the vehicle, not the driver. This means that if someone else drives your car and gets into an accident, your insurance typically covers the damages.
- Full Coverage Means Everything is Covered: “Full coverage” is a term often misunderstood. It usually refers to a combination of liability, collision, and comprehensive coverage. However, it may not cover every possible scenario. For example, it may not cover items stolen from your car.
- Insurance Doesn’t Cover Rental Cars: Many auto insurance policies include coverage for rental cars, but it’s essential to check your policy or consult with your insurer to understand the specifics of your coverage.
Home and Auto Insurance Coverage Options for Different Vehicle Types
- Standard Auto Insurance for Cars and SUVs: Protect your car, truck, or SUV with essential coverage, including liability, collision, and comprehensive insurance. Coverage options can also include uninsured motorist protection and roadside assistance. Call us to find affordable coverage for your vehicle.
- Motorcycle Insurance for Two-Wheel Enthusiasts: Motorcycles require specialized insurance to cover liability, personal injury protection, and collision. You can also insure custom parts and accessories for complete coverage. Text Us to explore motorcycle insurance policies that suit your riding habits.
- RV and Motorhome Insurance for Travelers: Whether you use your RV seasonally or live in it full-time, RV insurance can cover your vehicle, personal belongings, and offer liability protection. Optional add-ons include vacation liability and roadside assistance. Call us to get a quote tailored to your RV lifestyle.
- Boat Insurance for Watercraft Owners: From fishing boats to sailboats, boat insurance covers damages, theft, and liability while you’re on the water. Many policies also provide coverage for boat trailers and personal effects. Text Us to get a customized boat insurance plan.
- ATV and Off-Road Vehicle Insurance: Off-road vehicles like ATVs and UTVs need insurance for liability, collision, and medical coverage in case of accidents on trails or off-road terrain. Customize your plan for recreational or professional use. Call us to explore your off-road insurance options.
What types of motorcycle insurance does A Plus Insurance offer in Mississippi?
A Plus Insurance provides various motorcycle insurance options, including coverage for liability, collision, comprehensive, uninsured/underinsured motorist, and more in Mississippi.
How does A Plus Insurance assist in finding affordable motorcycle insurance rates?
A Plus Insurance collaborates with multiple carriers to help customers secure the most competitive motorcycle insurance rates available in Mississippi.
Is there a contact number to discuss motorcycle insurance options with A Plus Insurance?
For inquiries about motorcycle insurance, please call us at 1.888.445.2793.
What car insurance coverage should I have in Colorado?
The car insurance coverage you should have in Colorado typically includes liability coverage, which is required by law. Additionally, you may consider adding collision and comprehensive coverage for added protection. It’s essential to discuss your specific car insurance needs with A Plus Insurance, as coverage requirements can vary based on your situation and preferences.
Last Updated on by Camron Moss
