AUTO – COLORADO

Insurance Woodland Park

START HERE: LIABILITY ONLY as low as $69.00 for car insurance. Colorado requires all it’s drivers at the minimum liability insurance at 25/50/15. This covers you in the case of an at-fault accident. What will this cost? Below are the companies and monthly rates.

Dairyland$69
The General$82
Progressive Insurance$83
Acceptance RTR$91
National General$94
Bristol West$101
Mendota Ins. Company$101

Includes the following zip codes: 80863, 80814, 80816, 80813, 80819, 80921, 80809, 80829, 80919, 80907, 80904, 80903, 80905, 80906

What exactly are these figures of 25/50/15? These are 25,000 for bodily injury per person, 50,000 for bodily injury for all persons per one accident, and 15,000 for property damage per accident. If you own an older vehicle and do not require full coverage. The state minimum could be the cheapest option for you.

This does not mean however that it is the wisest option for your situation! You may find it prudent to spring for greater limits of coverage or multiple coverage types.

For example you may be making payments on a vehicle and the lienholder may require you to be have Full Coverage. Well, in this case Liability only is not an option.

Or perhaps you live in an area highly prone to hail damage or theft. You may opt for Comprehensive Coverage for it’s policy limits that’ll aid in the cost of repair and/or replacements.

insurance woodland park

Scenario – Liability Only

This is Howard, 31 year old young professional climbing up the corporate ladder. Unfortunately he climbed into the arms of the law by speeding to a Business proposal one day in 2017.

He needed an SR-22 for the state of Colorado and chose a Broad Form so he would be covered to drive other Personal Passenger Vehicles regardless if he owned them or not.

He carries the state minimum liability limits, of 25/50/15 and has the Uninsured Motorist Bodily Injury Protection and rejected Medical Payments.

The customer has completed some College and has a homeowners discount applied to his policy. He pays $101 monthly by selecting the EFT payment option, and has no proof of prior insurance prior to starting his policy with Dairyland.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
Colorado25/50/15$510

Insurance Woodland Park: Liability and Full Coverage

On average, liability and full coverage is cheaper in Woodland Park Colorado than the overall state average. This is likely to be a result of smaller populated roads, and less accidents. Insurance rates may increase based on other peoples driving, not only yours. If you live in an area with a large number of accidents occurring, insurance companies are paying out millions of dollars in damages. This forces the companies to increase the premium on everyone’s policy in the surrounding areas.

The debate on whether to go with Liability or Full Coverage really boils down to your needs. It’s more about what the financial impact of an unforeseen event could have on you and less about what it costs now. Also Important to note is not paying too much for your insurance!

If you’re paying full coverage at a $1,000 deductible and your auto is worth $1,000 than you may be over paying for your insurance.

Dairyland$68
National General$81
Mendota Ins. Company$100
Geico$101
Progressive Insurance$101
The General$103
AssuranceAmerica$104
Bristol West$115
21st Century$118
GAINSCO$122
Travelers$125
American Family$133
USAA$143
State Auto$146
LIABILITY ONLY

So what is Full Coverage? It is opting for the coverages of comprehensive and collision to your policy. This protects YOUR auto in the case of an accident or theft or even damage.

This however is not an all encompassing coverage. For example certain coverages like Rental and Towing are an additional option NOT included with comprehensive and collision.

That being said, certain companies like Suncoast Insurance includes Roadside with any policy. And Progressive’s Roadside is quite extensive covering battery checks, tire change, and a tow!

Progressive Insurance$136
Travelers$143
Acceptance RTR$147
Farmers$152
State Farm$152
National General$156
USAA$157
Bristol West$158
The General$160
GAINSCO$163
AssuranceAmerica$164
Allstate$170
Mendota Ins. Company$172
Nationwide$178
FULL COVERAGE
insurance woodland park full coverage

Scenario – Full Coverage

Insurance Woodland Park, Colorado

26 year old, married female was looking for full coverage on two vehicles and an SR-22 filing for her spouse. The policy holder has a 2014 Ford Escape and a 2007 Ford Focus. We ran the rates and Progressive was coming in the cheapest for her and the coverage’s she wanted.

We added full coverage to both vehicles with a $500 deductible with Rental and Roadside assistance as well. Her monthly payments for both vehicles, 2 drivers, and an SR-22 filing is $235.00. She has a 3 Year Safe Driving discount, EFT discount and Continuous insurance discount on her policy. Her previous carrier was American Family, for over a year and had raised the rates for her upcoming renewal term.

By switching, she is saving over $60 a month and has more coverage on her vehicles than she had before!

Top 10 Vehicles We Insure – Insurance Woodland Park

What are the top ten vehicles we insure in Woodland Park Colorado? Number one is the Audi, high performance, luxury car. Second, we have GMC which is well made and lasts for years.

Do you own one of the vehicles on this list?  Have you ever purchased a vehicle and seen the same one as you 10 times in a day? That is because the cost of the vehicle may be priced right, or it does great in the elements.

1Audi
2GMC
3Honda
4Buick
5Cadillac
6Hyundai
7General Motors
8Ford F-Models
9Dodge
10Subaru
11Toyota
12Lexus

We save our customer an average of $603.55 on Insurance Woodland Park

For Auto Insurance Woodland Park Colorado, we save our customers an average of $603.55. A Plus Insurance is a brokerage, giving us the advantage to be able to shop for competitive rates. Most all of our companies offer several discounts that can lead to huge savings!

What could you do with these additional savings? You could save up for that family trip you’ve been wanting to take, or complete some home renovations that keep getting put off. Whatever it may be, everyone loves to save money.

New Customers in Woodland Park, Colorado Save on Average$603.55
Number of Eggs you could buy5418
Pound of bananas you could buy1157
Pound of Potatoes you could purchase853

Bonus Scenario

Single mother, age 51 with a 26 year old son and 16 year old daughter of Woodland Park, Colorado. Previous insurance carrier was Geico for over 1 year.

Looking for full coverage on 2015 Subaru and 2016 Chevy Malibu. Her daughter has a permit and will be learning to drive on the Malibu. Total of 3 rated drivers on the policy, full coverage with $1000 deductibles and roadside assistance on the Malibu.

The customer has 2 speeding tickets – one in 2018 and one back in 2016, about to come off her driving report and clean driving history for her kids. Her monthly payments are $350 through Progressive. saving her a total of $180 over the 6 month premium compared to her prior insurance provider.

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Last Updated on by Shawn Christie