Louisville CO Auto Insurance

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Louisville CO Auto Insurance

Insurance Company Ratings AM Best, and JD Power

Below is a chart for Insurance Ratings in Louisville, Colorado. Insurance Ratings matter when shopping for your Insurance needs, aside from Price. You want to make sure you are selecting a company that has a wide array of coverage options to meet your individual needs, because not all clients want the same coverage. You also want to look at the discounts being offered, and the customer reviews. Most people prefer an Insurance company with high ratings, over a company that may not have the best ratings, or have very few.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
State Farm878A++
Erie Insurance879A+
Amica Mutual898A+
USAA900A++
Esurance844A+
Automobile Club Group857A++
Mercury837A
The Hartford (AARP insurance)873A+
Farmers Insurance865A
Nationwide867A+
Auto-Owners Insurance870A+
Liberty Mutual Insurance857A
MetLife867A+

“How age and gender affect your insurance” 

Does Gender and Age Affect Your Auto Insurance Rates?
Believe it or not, women DO pay less than men in auto insurance. Studies show that men are riskier because they have more accidents and that may be because they drive more. But they say that men are more likely to file much larger claims than women do therefore they pay more. The same is going to be for age. Motorists under the age of 24 year are more likely pay more for their rates. Not to worry! Your auto rates do go down after 25, if you have a good record and then your lowest seen rates will be when you are in your 40-50’s.

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

“Insurance Discounts from Each Company”

On top of the standard rating factors insurance companies use to determine your premium, most all companies offer discounts! Discounts will vary, depending upon the insurance company, so it is always good to chat with your agent to see which ones you are receiving. Travelers offers a Continuous insurance discount, being one of the most heavily weighted. The General offers several as well, one being a ‘Marriage discount’. Studies show, that if a male is driving with his spouse in the car, he will drive more cautiously. Check out the chart below to view the different discounts we offer.

Travelers
The General
Continuous InsuranceMarried
No Accidents or ViolationsContinuous Insurance
MarriedNo Accidents or Violations
Auto PayAuto Pay
Multi PolicyPaid in Full
Multi VehicleMulti Vehicle
Paid in FullHomeowners
Homeowners 

“Discounts available in Louisville” 

Below is a chart showing the common discounts in Louisville, Colorado and their impact on your rates. All drivers love to know they are getting the best deal for their money. Discounts can help drivers save a significant amount of money on their premium. Auto Pay is a heavily weighted discount because it ensures the Insurance company that the bill will be paid each month, on time. Having no accidents or violations shows the driver is low risk, and therefore favorable when insuring. You’ll also see below, an Advanced Quote has a high impact because that shows you are looking in advance which could implicate the driver is responsible, and willing to take the time to shop around.

Impact on ratesDiscounts Available
MildPaperless Discount
HighAuto Pay
MildMilitary
MildMulti Policy
HighNo Accidents or Violations
MildEducation Discount
HighAdvanced Quote
MildMulti Vehicle
MildMarried

“Your Credit and how it affects your insurance premiums” 

While credit can determine loan qualifications and interest rates, it can also play a big factor in your Auto Insurance Rates. Your Credit score is one of the most accurate tools an underwriter can use in determining wiether a client is low risk or high risk. Insurance companies love low risk clients, and often entice them with lower rates. High risk clients are more likely to file an insurance claim, costing the Insurance company more money than a low risk client would.

Credit Impact on Insurance rates in Louisville
Average Premium by Score
Excellent$122.10
Good$137.59
Average$165.66
Poor$234.30

” Louisville Weather and Driving conditions” 

Being a safe and cautious driver, not only saves lives, but it can save you money on Insurance. Your Insurance premium factors in the number of violations (Accidents, claims, and tickets) you have on your Driving record. There are several things you can do to minimalize your chances of getting into an accident. Always drive cautiously, leaving 3 car lengths between you and the car in front of you. That way if the car in front of you slams on their breaks, you have that much more time to take action. DO NOT speed. If you are late for work, or an important event, speeding is not the answer. It can put your life and others in danger, or result in getting a ticket and being even later than you would if you drove the speed limit. Lastly, NEVER use Cruise control while driving on Icy roads and do not accelerate uphill on icy roads or bridges. When the conditions are poor, and the roads may be icy, it is best to take to take it slow and pull over if you do not feel comfortable to drive. Even driving too slowly can be dangerous to yourself and others around you.

Louisville, Colorado
Summer High:
 the July high is around 89 degrees
Winter Low: the January low is 19
Rain: averages 18 inches of rain a year
Snow: averages 70 inches of snow a year

“We save our client in Louisville an average of $597.55” 

Below you will see the average amount of money we save our customers who switch to A Plus Insurance, Louisville Colorado. We offer competitive rates, multiple discounts depending upon the insurance company, and great customer service. We are a Brokerage, which allows us to work with several insurance companies of our choice, giving us the ability to shop the cheapest rates for our clients, and tailored to match each clients needs. What can these savings buy you? Are you saving up for a trip you have been wanting to take? Or maybe some home repairs you’ve been dying to get started on? We can help you too!

New Customers in Louisville, Colorado Save on Average$597.55
Number of Eggs you could buy5412
Pound of bananas you could buy1157
Pound of Potatoes you could purchase853

“DMV Addresses and Phone Numbers” 

Auto Insurance is required in order to get a Vehicle Registered in your name. When purchasing a new vehicle, you will need to purchase car insurance, and then schedule an appointment with the DMV to get your Registration and Tags. Below are DMV locations in Louisville, Colorado including their address, and phone number. You may consider calling the DMV first to check if they require an Appointment. With COVID, things are changing – several places are offering online services as well.

Canon City Registration & Titling
615 Macon Ave. Room 103
Canon City, CO 81212
(719) 276-7440
 
Canon City Driver License Office
127 Justice Center Road, # K
Canon City, CO 81212
(303) 205-5600