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
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!
Last Updated on by Alexis Karapiperis