When it comes to auto insurance, there is quite a few factors in determining your insurance rates. Insurance carriers will take these factors into consideration when providing you with a quote. We put together a list below of some of the factors and how much of an impact they each have on your rates.
Factor
Rate Impact
vehicle safety features
Medium
vehicle performance (symbol)
Medium
Profession
Low
anti theft device
Low
Insurance History
Medium
Age
High
How many drivers per vehicles listed
medium
State Requirements
Medium
How long have you owned the vehicle
Low
Credit history
High
Winter Park Nearby cities and neighborhoods
Neighborhoods in Winter Park, Colorado
Cities Near Winter Park
Zip Codes in Winter Park
Blacks Fork
Empire, CO
80482
Hideaway Village
Fraser, CO
High Country
Granby,CO
Winter Park, CO, also called Fraser Valley is known as the Mountain Bike Capital. It has over 600 miles of trails. It is also one of Colorado’s longest operated ski resorts. We wrote here above the neighborhoods and cities that are nearby Winter Park. Like the rest of Colorado, this is just another great place to live and visit!
Insurance companies we represent in Winter Park
We work with quite a few different insurance companies so that we can provide you with the best quote. Below is a list of the insurance companies that we represent in Winter Park, CO. Whether you are needing auto, home, renters, motorcycle and even business we have a carrier we work with that we can help you with that.
Insurance Companies in Winter Park, Colorado that we represent
Victory
USLI
Bristol West
Mendota
Assurance America
Foremost Star
Best Choice
Progressive
Gainsco
Dairyland
The General
Travelers
Suncoast
Orion 180
Safeway
ASI
How age and gender affect your insurance rates
Age
Male
Female
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
When it comes to determining your auto insurance rates, a lot of people do not realize all the factors involved. One of those are your age and gender. I mean, lets face it, if you are a young driver you are not considered as experienced as older motorists. You can see some examples of rates here by age and gender.
Violations
Like it or not, having violations on your record will affect your insurance rates. Depending on what violation you have, it can impact your rates for more than 5 years! When it comes to violations, there are major, minor, and non- moving. If you look below you will see violations listed and how long they impact your auto insurance.
Violation Name
Major, Minor, or Non Moving
How Long it Will Affect Your Insurance Rates
Driving without a License
Major
3 Years
Non-At-Fault Acccident
Minor
NA*
Failure to Secure Load to truck/trailer
Minor
3 Years
Parking
Non Moving
NA*
Failure to Use Turn Signal
Minor
3 Years
DUI
Major
10 Years
Failure to Stop for a Pedestrian Side walk
Minor
3 Years
Expired Tags
Non Moving
NA*
Failure to Use a Seat Belt
Non Moving
NA*
Reckless Driving
Major
5 Years
Using a Cell Phone with Driving
Minor
3 Years
Failure to maintain Clear Distance (tailgating
Minor
3 Years
Cheapest full coverage rates in Winter Park
Rank
Company
Average price
1
Progressive
$124.00
2
Mendota
$137.00
3
Bristol West
$138.00
4
Travelers
$146.00
5
The General
$161.00
6
Liberty Mutual
$190.00
7
Dairyland (Viking)
$204.00
We use many different insurance carriers so that when we give you a quote, we can give you the best rate for you. We put together a list of some of the companies we work with in Winter Park and what the average price of full coverage that our customers pay.
Discounts available in Winter Park
Who doesn’t love to hear that you are eligible for a discount?! Are you taking advantage of all the discounts you can get with your auto insurance? You can contact your agent today and see what’s available for you. We went ahead and listed some discounts below and how much of an impact it can have on your rates.
Impact on rates
Discounts Available
Mild
Multi Vehicle
Mild
Military
High
No Accidents or Violations
High
Advanced Quote
Mild
Married
Mild
Homeowners
Mild
Paperless Discount
Mild
Education Discount
Very High
Continuous Insurance
Liability and full coverage in Winter Park
Average Annual Insurance Rates in Winter Park
Liability Insurance rates in Winter Park
Liability State Average
$479.54
$510.15
Full Coverage Insurance in Winter Park
Full Coverage CO average
$878.52
$934.59
When it comes to insuring your vehicle, you want to make sure you are getting the cheapest rates possible and hopefully with the best coverage. Here you can see what the comparison of liability coverage and Full coverage insurance rates in Winter Park, CO against what the average cost is for both in the state of CO.
Winter Park weather and driving conditions
If you like snow and the cold, CO is the place for you! Now, you will still get to experience some summer weather in July there which gets to around 75 degrees. The winter- time in January gets to about 5 degrees! Each year Winter Park gets about 187 inches of snow!
Winter Park, Colorado
Summer High: the July high is around 75 degrees
Winter Low: the January Low is around 5 degrees
Rain: averages 24 inches of rain a year
Snow: averages 187 inches of snow a year
SR22 Insurance in Winter Park
SR22 Insurance Rates in Winter Park, Colorado
Below is amount the amounts company adds to the 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
SR22 is a certificate or document that can be obtained by your auto insurance carrier. It proves you are carrying car insurance that meets the states minimum coverage. When you get your SR22, it is filed with your state. You can find out here which carrier offer it and how much it costs to file for it.
How can I get the best price for auto insurance in Winter Park?
Is the minimum amount of car insurance required by my state enough?
From your State’s view – Yes. Everyone’s situation is completely different. One coverage that would fit one person will not fit another person. If you are unsure exactly what coverage you are needing it is always recommended to talk with an agent. They can access what your needs are and how to fulfill them with the right insurance coverage.
Do I need Gap Insurance for my new car?
Some people choose to carry Gap Insurance on their new vehicles, or it may be suggested by the dealership depending on your unique circumstance. If it is only suggested by the dealership, you can just carry full coverage on the vehicle. Gap insurance is offered by a select few of our companies, it may be worth the cost difference to add that coverage.
