- Auto Liability Pueblo Insurance Rates
- Your Credit And How It Affects Your Auto Insurance Premiums In Pueblo
- SR22 Insurance Rates in Pueblo
- Colorado State Insurance Requirements
- 1. Understand Why Costs Are Higher
- 2. Shop Around
- 3. Look for Discounts
- 4. Consider the Vehicle
- 5. Adjust Coverage Amounts
- 6. Consider a Family Plan
- 7. Understand State Requirements
- 8. Encourage Responsible Driving
- 9. Regular Policy Reviews
- 10. Consider Telematics
Another great thing about Pueblo auto insurance is you can get discounts! Lots of different discounts! Get ahold of your insurance carrier today to see what you may be eligible for as far as discounts.
Some of the great ones that have a high impact on your rates are auto pay, having no accidents or violations, and an advance quote. Some other great ones, if you are a young or older motorist, having a multi-policy and multi-vehicle, an education discount, military, and marriage status.
Let us look at the chart below and see some of the popular ones that may be available for you in Pueblo, CO.
| Impact on Rates | Discounts Available |
|---|---|
| Mild | Paperless Discount |
| High | Auto Pay |
| Mild | Military |
| Mild | Multi Policy |
| High | No Accidents or Violations |
| Mild | Education Discount |
| High | Advanced Quote |
| Mild | Multi Vehicle |
| Mild | Married |
Auto Liability Pueblo Insurance Rates
Pueblo is a great small town in Colorado! As nice and small as it is, its still good to have good auto insurance coverage. Research shows that in CO, the cost of liability is around $520.04 a year and that averages out about $43.00 a month. For Full coverage it is about $939.52 a year and that averages out to about $78.29 a month. Pueblo auto insurance could seem a bit more expensive here because of its population, which means more accidents and claims.
| Liability Insurance Rates in Pueblo | Liability State Average |
|---|---|
| $479.00 | $510.15 |
| Full Coverage Insurance in Pueblo | Full Coverage CO Average |
|---|---|
| $860.00 | $934.59 |
Your Credit And How It Affects Your Auto Insurance Premiums In Pueblo
Like with many other things in life, your credit is a big deal when it comes to your auto insurance rates. Your Pueblo auto insurance carrier is still wanting to see how good of a record you have with your credit status, so they will know if they are at a higher risk for insuring you or not. For instance, if they see your credit score is not that great, they may consider you not as reliable and more likely to file claims.
The chart below shows what your auto rates could look like depending on your credit score in Pueblo, CO.
| Credit Impact on Insurance Rates in Pueblo, Average Premium by Score | Price (Average) |
|---|---|
| Excellent | $130.98 |
| Good | $147.59 |
| Average | $177.71 |
| Poor | $251.34 |
SR22 Insurance Rates in Pueblo
SR22 is commonly mistaken as an insurance policy. It is a certificate proving that you are carrying the required amount of coverage by the state. This document is filed in the state by your insurance carrier when you purchase it. Typically, you will need to carry the SR22 for about 6 months. The table below shows which carriers offer it and how much.
Below is the amount company adds to the Pueblo insurance premium to file the SR22 with the state.
| Company | Average (SR22 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 |
What to Know When Shopping For Cheap Auto Insurance in Pueblo
Purchasing Pueblo insurance is the only way drivers can protect their financial interests, both when they are on the road and when they are parked. There are many factors regarding who to purchase coverage from, what to add or remove from a policy and what can be done to make insurance more affordable. Each state regulates what type of coverage they require, and every insurance agency will make certain those minimums are met when a quote is provided.
Colorado State Insurance Requirements
When purchasing auto insurance, Pueblo residents need to be aware of what the law requires. Liability coverage is required in case the vehicle damages property or harms someone.
The legal minimum of $25,000 per person and $50,000 per vehicle for each accident is considered by many legal experts to be less than adequate.
In addition, a fee to cover the expenses in case an accident occurs with an uninsured or under-insured motorist is also required. Not required is the medical payments coverage. However, it needs to be noted because the state of Colorado requires insurance agencies to offer it to all clients. Customers will need to request for it to be removed from their policies if they do not want this coverage.
In Pueblo, most banks will require that any vehicle that is being used as collateral or does not have a clear title, have additional coverage along with the coverage the state requires. This includes collision and comprehensive coverage, so the vehicle is insured no matter what causes damage to it.
The coverage should always be enough to pay off the outstanding balance of the loan as well as cover any other expenses that may be incurred in the accident. Gap insurance is an important optional choice that should be considered if the vehicle has been recently purchased because it can cover the difference that often exists between what the value of the vehicle is, and what is actually owed on it.
Since January 1, 2016, to October 17, 2017, there have been 479 fatalities due to auto accidents in Colorado. 191 of those deaths are in Region 1. So why do you need auto insurance, it’s simple. First it is the law, second, you never know what might happen when you are out on the roads.
One overlooked protection is against theft. Even though Colorado has been initiating awareness campaigns about car theft, it is still a common problem. In addition to whether or not theft protection is included, it is important to know if leaving the vehicle unlocked or leaving keys in the vehicle may affect the claim in any way. Not all insurance companies will cover damage to a stolen car if the owner left the keys inside the vehicle.
Not all free quotes are the same, so always take the time to read through each before making a decision. Online rates may seem cheap until it is discovered they are short on coverage and require enormous deductibles before they will cover any damage. Some companies do not require a lot of information before they provide a quote.
While this may seem to be a time-saving feature, it is not necessarily going to provide the most accurate quote. Taking the time to provide genuine information about the vehicle, how it is used and any blemishes on the driving record of those who will be using the vehicle will give a more accurate picture of what to expect for a final policy cost.
By understanding the basics about auto insurance, Pueblo drivers can be certain they have enough to cover any expenses should an accident happen. This protection is important because it can make it possible to repair damage, replace vehicles and cover medical bills as needed. Pueblo auto Insurance agents are happy to answer any questions their clients may have about the items on their policies, as well as to make suggestions about ways to save money.
Pueblo Home Insurance
Offering Car, Home, and motorcycle coverage to the residents of Pueblo. Fast, Friendly Rates in Minutes.
Pueblo is located 35 minutes south of Colorado Springs, Colorado and about 1 hour and 45 minutes south of Denver, CO. Originally Fort Pueblo, the city was incorporated around 1870. Many of the people who live there enjoy the smaller city size.
Pueblo is the Eighth Largest City in Colorado.
Filled with drivers of all kinds, both young and old, Pueblo has multiple different needs. At A Plus, we understand the various needs people to have for insurance in CO. Whether it is a standard auto & car policy, or an auto policy bundled with a home, or simply a pleasure policy for motorcycles, we have a variety of options to fit different needs.
Our agency offers mono-line auto coverage as well as monoline homeowners insurance. We can cover toys such as motorcycle insurance, a.t.v, coverage. Even boat and personal watercraft coverage for those enthusiasts who like to play in Pueblo Reservoir. We offer tons of discounts to help in this tough economic time. These discounts include, but are not limited to, homeowners, multiple policies, good student, safe driver, accident-free, violation free, paid in full, and paperless. And for those drivers who need additional filings such as an SR-22, we can accommodate those as well. So, give us a call or visit us online.
Pueblo Insurance for Young Drivers
Insurance for young drivers can be notably more expensive than for more experienced drivers, largely due to the increased risk of accidents among younger drivers. If you’re looking for insurance for young drivers in Pueblo, Colorado, or a similarly sized community, there are several strategies and considerations that can help manage costs while ensuring adequate coverage:
1. Understand Why Costs Are Higher
Young drivers, especially those under 25, are statistically more likely to be involved in accidents, leading to higher insurance premiums. Insurance companies set prices based on risk assessment, and inexperienced drivers represent a higher risk.
| Dairyland | $140 |
| American Family | $145 |
| Progressive Insurance | $147 |
| Bristol West | $148 |
| National General | $149 |
| AssuranceAmerica | $152 |
| Allstate | $155 |
| USAA | $164 |
| Liberty Mutual | $168 |
| Acceptance RTR | $171 |
| Geico | $171 |
| Farmers | $172 |
| GAINSCO | $174 |
| 21st Century | $175 |
| The General | $176 |
2. Shop Around
Rates can vary significantly between insurance companies, so it’s essential to get quotes from multiple providers. Some companies specialize in or offer competitive rates for young drivers.
3. Look for Discounts
Many insurance companies offer discounts that can help lower premiums for young drivers. Common discounts include:
- Good Student Discounts: Often available to students who maintain a B average or higher.
- Defensive Driving Course Discounts: Completing a recognized driving course can sometimes lower rates.
- Safe Driving Apps and Programs: Some insurers offer programs that track driving habits and reward safe driving with lower premiums.
- Low Mileage Discounts: If the young driver doesn’t drive much, this can sometimes result in lower premiums.
| Impact on rates | Discounts Available |
| Mild | Paperless Discount |
| High | Advanced Quote |
| Mild | Homeowners |
| Very High | Continuous Insurance |
| High | Paid in Full |
| Mild | Education Discount |
| High | No Accidents or Violations |
| Mild | Military |
| Mild | Multi Vehicle |
4. Consider the Vehicle
The type of vehicle being insured plays a significant role in insurance costs. Generally, safer, moderately priced, and lower-powered vehicles are cheaper to insure. High-performance or luxury vehicles, on the other hand, can be significantly more expensive.
5. Adjust Coverage Amounts
While it’s crucial not to skimp on necessary coverage, there might be areas where you can adjust your policy to better suit your needs and budget. For example, higher deductibles can lower premiums, but they also mean higher out-of-pocket costs in the event of an accident.
| FULL COVERAGE | $500 DEDUCTIBLE | $1,000 DEDUCTIBLE |
| National General | $145.00 | $180.00 |
| Bristol West | $160.00 | $195.00 |
| Progressive Insurance | $145.00 | $180.00 |
| Travelers | $145.00 | $180.00 |
| USAA | $155.00 | $210.00 |
| State Farm | $145.00 | $180.00 |
| Farmers | $140.00 | $190.00 |
| Allstate | $140.00 | $190.00 |
| AssuranceAmerica | $130.00 | $175.00 |
| Acceptance RTR | $175.00 | $215.00 |
| GAINSCO | $160.00 | $180.00 |
| Geico | $150.00 | $185.00 |
| Mendota Ins. Company | $135.00 | $160.00 |
| 21st Century | $140.00 | $170.00 |
| State Auto | $145.00 | $195.00 |
| The General | $120.00 | $160.00 |
| American Family | $150.00 | $185.00 |
| Nationwide | $145.00 | $185.00 |
| Liberty Mutual | $145.00 | $185.00 |
| Dairyland | $175.00 | $220.00 |
| Safeco | $175.00 | $220.00 |
6. Consider a Family Plan
Adding a young driver to a parent’s policy is often more cost-effective than the young driver having an individual policy. This can also make the young driver eligible for additional discounts based on the parent’s driving history and loyalty to the insurer.
7. Understand State Requirements
Colorado, like all states, has minimum insurance requirements. Ensure any policy meets these minimums, but also consider the value of more comprehensive coverage to protect against significant financial loss in the event of an accident.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
| Colorado | 25/50/15 | $510 |
8. Encourage Responsible Driving
Encouraging young drivers to maintain a clean driving record is crucial. Traffic violations and accidents can significantly increase insurance costs. Safe driving not only helps keep insurance rates down but, more importantly, keeps everyone safer on the road.
9. Regular Policy Reviews
Circumstances change, and so do insurance policies and premiums. Regularly reviewing your policy and shopping around at renewal can ensure you’re always getting the best deal.
10. Consider Telematics
Many insurers now offer telematics-based programs that monitor driving habits directly through a smartphone app or a device installed in the car. Safe driving habits can lead to lower premiums.
For young drivers in Pueblo or anywhere else, finding affordable car insurance requires a bit of research and effort but is certainly possible. Balancing cost with the need for adequate protection is key, and taking advantage of discounts and smart policy management can lead to significant savings.
What types of insurance coverage does A Plus Insurance offer in Pueblo?
A Plus Insurance in Pueblo offers a variety of insurance coverage, including auto insurance, home insurance, and more. Our experienced team shops multiple carriers to find the best rates tailored to your needs.
How can I get a quote for insurance coverage in Pueblo?
Getting a quote is easy. You can call our dedicated team at 1.888.445.2793 or visit our website to fill out a quote request form. We’ll help you find the best rates from multiple carriers.
Why choose A Plus Insurance for your insurance needs in Pueblo?
A Plus Insurance is your trusted partner for insurance in Pueblo. We prioritize customer satisfaction, offer personalized service, and work to find the most competitive rates. Call us at 1.888.445.2793 to experience the A Plus difference.
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Company Info: The following address is mailing only.
A Plus Insurance | Pueblo Insurance
140 W 29th St
Pueblo, CO 81008
Phone: (719) 404-1853
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Last Updated on by Marlon Moss