Montrose CO Auto Insurance

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Montrose CO Auto Insurance

Top 10 vehicles we insure in Montrose

In Montrose, CO there are a good bit of snow and rain. And of course, its popular for its mountain views and exploring. You want to make sure you have a great vehicle for the environment that you live in. We insure lots of different types of vehicles, but as listed below here are the top 10 we insure. Buick, Volvo, Honda, GMC, Audi, Ford F models, Volkswagen, Lexus, Ford and Cadillac. 

1Buick
2Volvo
3Honda
4GMC
5Audi
6Ford F-Models
7Volkswagen
8Lexus
9Ford
10Cadillac

Insurance Rating factors in Montrose 

There are quite a few things that could affect your auto insurance rates for the worse or for the better. Let us list the factors from high impact to low impact on your rates. Credit history and age are a pretty big factor in your auto insurance rating, they have a high impact on that. Factors that are going to have a medium impact are things like gender, type of vehicle coverage, location, and marital status. And your low impact factors are your profession, annual mileage, how long you have owned the vehicle and anti-theft device on your car.

What Rating Factors Affect Your Insurance Rates?
FactorRate Impact
Claims HistoryMedium
GenderMedium
Insurance HistoryMedium
EducationLow
anti theft deviceLow
lien holderNone
Anual MileageLow
Marital StatusMedium
Vehicle Make and ModelMedium
vehicle safety featuresMedium

Montrose Weather and Driving conditions 

In Montrose, it is dry year-round. Winters are freezing but short and partly cloudy. Summertime is warm and mostly clear skies. If you want to go to Montrose when its hot, you have at the end of May to mid-September. The colder season lasts about 3 months and that will be towards the end of November up until almost the end of February. Montrose gets about 38 inches a year and 3 inches of snow a year.

Montrose, Colorado
Summer High:
 the July high is around 84 degrees
Winter Low: the January low is 12 degrees
Rain: averages 12 inches of rain a year
Snow: averages 34 inches of snow a year

Your Credit and how it affects your insurance premiums

Your credit score shows a lot. It Is also a big factor is your car insurance rates. By looking at your credit score, the auto insurance carrier is going to be able to determine how likely you are to file a claim. They can look at your score and see that you are not paying back a loan or debt and may decide to charge more on your premium. If you have an excellent score, your annual premium could look about $125.00.

Credit Impact on Insurance rates in Montrose
Average Premium by Score
Excellent$130.98
Good$147.59
Average$177.71
Poor$251.34

DMV Information in Montrose, CO

Currently due to COVID-19, the DMV in Montrose, CO is only open for appointments only. You can go online to their website and use their online scheduler. They do have a phase of reopening which you can find here… https://dmv.colorado.gov/phased-reopening-plan-for-dmv. Meanwhile, as mentioned before you can visit them online at their website at https://www.montrosecounty.net/75/Vehicle-Registration or call them locally at the numbers listed below on the chart. Take notice of the different locations mentioned here and what each location does.

Montrose Registration & Title Office
320 South 1st Street
MontroseColorado81401
970-249-3362
Montrose Driver License Office
86 Rose Lane
MontroseColorado81401
970-249-5426

Sample Insurance Rates for Montrose

It’s always smart to compare the top insurance companies and their Auto Insurance rates for Montrose, CO. Most residents can save between $400-$500 by conspiring multiple quotes, reading reviews or complaints, and overall doing their research on the best companies. First and foremost, get an idea of the coverage you require in your area before getting a quote. This is the best way to save big on your Auto Insurance premium.

Sample Rates in Montrose, Colorado
Sample Quote/ policy location: Montrose
Agent :Sy
Current Company: Mendota
Previous Company: the General
Who: male Age: 36 Vehicle: Mercedes-Benz 560SEL
Type of coverage: non owners liability
Notes: now, online
Rate: $163
Sample Quote/ policy location: Montrose
Agent :Lauren
Current Company: Mendota
Previous Company: Geico
Who: male Age: 20 Vehicle: Toyota Tundra Regular Cab
Type of coverage: homeowners insurance liability
Notes: vehicle, policies
Rate: $127
Sample Quote/ policy location: Montrose
Agent :Lauren
Current Company: Suncoast
Previous Company: Safeco
Who: Young driver Age: 59 Vehicle: Volvo XC70
Type of coverage: cycle insurance liability
Notes: Discount, coverage
Rate: $339
Sample Quote/ policy location: Montrose
Agent :Sy
Current Company: Suncoast
Previous Company: Orion 180
Who: resident Age: 22 Vehicle: Chrysler Aspen
Type of coverage: home insurance liability
Notes: premium, multi policy
Rate: $193
Sample Quote/ policy location: Montrose
Agent :Jola
Current Company: Liberty Mutual
Previous Company: Farmers
Who: Driver Age: 46 Vehicle: Chevrolet SSR
Type of coverage: renters insurance liability
Notes: rates, multiple lines
Rate: $231
Sample Quote/ policy location: Montrose
Agent :Jola
Current Company: Mendota
Previous Company: Progressive
Who: Young driver Age: 42 Vehicle: Geo Prizm
Type of coverage: liability only full coverage
Notes: multi policy, automobile
Rate: $252

Violations 

Violations can play a big factor in your insurance rates and total premium. Minor violations, such as a speeding ticket, or defective vehicle equipment ticket can stay on for 3 years. Major violations, such as An At Fault Accident, Reckless driving, or a DUI can stay on for 5 + years. Most people think if they paid their ticket off, or went to court then it will not affect their rates. This is not true, that small speeding ticket you got will stay with you for 3 years, and cause your insurance rates to go up. Check out the chart below for Violation types, and how long they stay with you.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Reckless DrivingMajor5 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Driving without a LicenseMajor3 Years
ParkingNon MovingNA*
SpeedingMinor3 Years
Crossing over a Center DividerMinor3 Years
No Proof of insuranceNon MovingNA*
Failure to maintain Clear Distance (tailgatingMinor3 Years
Non-At-Fault AcccidentMinorNA*
Failure to Use Turn SignalMinor3 Years
At Fault AccidentMajor5 Years

Liability and Full coverage in Montrose 

Liability is required and what makes you legal to be on the road. Liability limits vary depending upon what State you are in. In Montrose, Colorado the state minimum requirements are 25/50/15. This means your insurance will pay out $25,000 per person, up to $50,000 per accident for bodily Injury and $15,000 per property damage – this is paid out to the other party. Usually, if a vehicle is over 10 years old, people only carry liability. If you are financing a brand-new vehicle, most cases they require you to carry full coverage. Full coverage has 2 parts, Comprehensive and Collision (Comprehensive can also be known as Other Than Collision). When determining wither, you need liability vs. Full coverage, take a look at the value of your vehicle and if its worth the cost in insurance to carry full coverage, or if you would be fine with liability.

Average Annual Insurance Rates in Montrose
Liability Insurance rates in MontroseLiability State Average
$474.44$510.15
Full Coverage Insurance in MontroseFull Coverage CO average
$869.17$934.59

“Insurance Company Ratings AM Best, and JD Power” 

The chart below depicts the Insurance companies near Montrose Colorado and their ratings AM Best and JD Power Claims. Searching for insurance can be tricky, some people may not know that you can shop around, and the price varies for each individual. When choosing the Insurance company, you want to go with, do your research. Make sure they are credible, and have a good customer rating. This can ensure you will be getting great customer service.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
USAA900A++
Mercury837A
Nationwide867A+
Allstate Auto Insurance853A+
MetLife867A+
NJM Insurance Co. A+
Amica Mutual898A+
Esurance844A+
Liberty Mutual Insurance857A
State Farm878A++
Safeco (A division of Liberty Mutual)855A
Progressive Auto Insurance856A+
Auto Club of Southern California Insurance Group866A+