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.

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

Insurance Firestone: How age and gender affect your auto rates

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.

AgeMaleFemale
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
While it is a hotly debated topic, currently Colorado still uses gender as a rating factor for auto insruance.

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 LevelAverage Insurance Rate
Excellent$111.00
Good$125.08
Average$150.60
Poor$213.00
If in the middle of a policy period, your rates happen to skyrocket…check and see if your credit score has taken a dive…

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 CompanyJ.D. Power ClaimsA.M. BEST RATING
Progressive Auto Insurance856A+
USAA900A++
State Farm878A++
Automobile Club Group857A++
Travelers865A++
Amica Mutual898A+
American Family Insurance857A
Auto Club of Southern California Insurance Group866A+
Mercury837A
Farmers Insurance865A
The Hartford (AARP insurance)873A+
Nationwide867A+
Liberty Mutual Insurance857A
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 buy5407
Pound of bananas you could buy1157
Pound of Potatoes you could purchase853
Unless you have a chicken farm…who wouldn’t be happy to save that much money for 5407 eggs!

Progressive Vs. Geico

If you choose your insurance company based on their mascot…maybe you should let us help you out…

progressive vs.geico thumbnail

Insurance Firestone: Liability and full coverage auto rates

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 FirestoneLiability State Average
$474.44$510.15
Full Coverage Insurance in FirestoneFull 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.

1General Motors
2Hyundai
3Ford F-Models
4Volkswagen
5Mazda
6Cadillac
7Subaru
8Nissan
9BMW
10Jeep
11Chevrolet
12Honda
Don’t see it on the list? Doesn’t mean we don’t insure it…call us with your questions.

Insurance Firestone: How Violations Affect Your 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 TypeClassification of ViolationHow Long it will Affect Your Rates
No Proof of insuranceNon MovingNA*
Failure to maintain Clear Distance (tailgatingMinor3 Years
Non-At-Fault AcccidentMinorNA*
Crossing over a Center DividerMinor3 Years
Failure to YeldMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years
ParkingNon MovingNA*
Reckless DrivingMajor5 Years
DUIMajor10 Years
Improper Lane useMinor3 Years
Using a Cell Phone with DrivingMinor3 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.

FactorRate Impact
FactorRate Impact
lien holderNone
ProfessionLow
State RequirementsMedium
How many drivers per vehicles listedmedium
Credit historyHigh
Driving recordHigh
Major Violations (DUI,DWI,etc)High
Anual MileageLow
LocationMedium
Type of Vehicle CoverageMedium

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 CompanySR22 Filing Fee
CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available

Insurance Firestone: Discounts by Company

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 DiscountsBristol West Discounts
No Accidents or ViolationsHomeowners
Multi VehicleMulti Policy
Paid in FullPaid in Full
Auto PayAuto Pay
Continuous InsuranceMarried
MarriedMulti Vehicle
HomeownersContinuous 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
We are in several locations around the state…so even if you think it’s too early to call…one of our EST agents are ready to help!

Last Updated on by Shawn Christie