COLORADO – CAR, MOTORCYCLE, HOME

Auto Insurance Salida, Colorado

Liability and Full Coverage rates in Salida 

What if you need more coverage than just Liability-Only? When should you purchase full coverage and how do you know if you just need liability only? The answers to these questions depend on a few different variables. If you own the vehicle outright chances are you might just need the state minimum liability required in Salida, Colorado.

If you are making payments on a vehicle you will need full coverage including comprehensive and collision coverage.

Some insurance carriers do allow you to carry comprehensive coverage without collision. Ask your agent for multiple quotes to compare your options. Springing for Full Coverage does add to your monthly premium, but in the case of an accident you’ll be happy you have it.

insurance salida
2022 Auto Insurance Salida, Colorado Cheap Rates in 2021

SR22 is a filing required by the state for an individual with multiple moving violations or a serious offense like a DUI. The violations are the cause for higher rates, not the filing itself. Let your Agent know you need SR22 on your insurance and they will add this to your policy. After the policy has been bound, or paid for and applications signed, the insurance carrier will upload your SR22 with the State of Colorado and voila! You are legally able to drive again!

Cheapest full coverage rates in Salida with a great record and good credit.

Driving without Auto insurance is illegal, but you are not required to have Full Coverage.

When leasing or paying on your vehicle however, full coverage is also a must have. Below is a list of insurance carriers and what their rates look like for full coverage in Salida, CO.

RankCompanyAverage price
1Progressive$120.00
2Bristol West$125.00
3Mendota$125.00
4The General$141.00
5Travelers$163.00
6Liberty Mutual$188.00
7Dairyland (Viking)$208.00
Full Coverage is adding Comprehensive and Collision to your policy.

COMPREHENSIVE: Covers damages when in an accident that is NOT a collision. FOR EXAMPLE: Theft, weather, animals.

COLLISION: Covers damages when in an accident that is a collision. FOR EXAMPLE: Hitting another car, tree, building, fence.

Bundling Leads to Savings

insurance salida
2022 Auto Insurance Salida, Colorado Cheap Rates in 2021

It is not just a gimmick, bundling policies of auto, home, motorcycle truly does save you big time! It is a signal to the insurance companies that you are responsible, which is rewarded. Also, the chances of you maintaining your insurance is higher with the bundle, which is rewarded. Plus, it is multiple lines of business for the insurance company encourages them to incentivize you, that being…Savings!

What are the rewards? Serious Savings! Compare below which is home and auto!

insurance salida
Dairyland$128
Acceptance RTR$138
Geico$140
Progressive Insurance$148
National General$150
GAINSCO$152
Nationwide$153
Mendota Ins. Company$155
The General$155
AssuranceAmerica$158
State Farm$158
American Family$164
21st Century$166
Bristol West$167
Allstate$171

Auto Insurance Salida- How age and gender affect your Insurance rates

Age and gender makes a huge difference in rating the cost and premiums for your car insurance.

This may not be fair, but it isn’t about gender roles. It is simply statistics.

The numbers show that male drivers between 16 and 18 typically find themselves in more collisions than their female counterparts. While a female tends to be much more cautious at younger stages of driving. In fact, the numbers continue in the favor of the females until we get to our 50s.

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

“We save our client in Salida an average of $598.55” 

Purchasing insurance can be tricky and down right frustrating. That is why it is great to use a brokerage to let us do the shopping for you. We have access to the rates of multiple companies and comparing coverages until we get the right fit for your family.

Simply ask how can they save on their car insurance! A Plus Insurance has saved the citizens of Salida on average $598.55 annually on auto insurance. Think of all the goodies you can buy, debt you can pay off, candy bars you could consume. (Please Snack responsibly.)

New Customers in Salida, Colorado Save on Average$598.55
Number of Candy bars you could buy435
Months of Netflix you could buy43
Number of Peanuts you could buy107568

Non-Owners Insurance Salida

We’ve talked a lot about insuring your vehicle if you live in Salida Colorado. But what if you do not have a vehicle? It is still important to be insured, especially if you frequently utilize a friends vehicle.

That is why there is what is known as a Non-Owners Insurance. We here at A Plus lean on one of our trusted carriers Dairyland for this type of insurance and sell the ‘Broadform Policy’.

Non-Owners is a Liability-Only policy that covers damages you may cause while operating a vehicle. Non-owners policy holders typically don’t have their own vehicle, but may have regular access to other vehicles.

Below is a chart for non-owners policy for insurance Salida.

Dairyland$92
Progressive Insurance$97
The General$110
Bristol West$137
Mendota Ins. Company$161

Frequently Asked Questions About Auto Insurance Salida, CO

Which company has the best rates in Salida Colorado? Rates will be dependent upon many things like the type of coverage you are requesting and the kind of vehicle. Bristol West Insurance has been competitive in the Salida area. Call us for a free quote through multiple carriers 888-445-2793

What discounts can I get in Salida to help with my auto insurance rates? Common insurance discounts include, proof of prior insurance, Paid in full discount, accident free discount, violation free discount, good student discounts for younger drivers, and multi policy discount.

Do I need medical payments on my auto insurance policy in Salida Colorado? Medical Payments or commonly referred to as MedPay, helps pay for medical damage regardless of who is determined to be at fault in an accident up to the limits chosen. Ultimately the decision to have this coverage is the insureds. If you decide to reject this coverage, the Medical Payment rejection form must be signed in Colorado.

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Last Updated on by Shawn Christie