Winter Park

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Auto Insurance In Winter Park, Colorado

Violations 

Your driving history is one of the major rating factors in insurance policies.  In Winter Park Colorado, tickets are generally classified under three sections:  Minor, Major, and Non-Moving.  Most minor tickets such as failure to stop at a traffic sign/light or a speeding ticket 5-10 miles over the limit will impact your insurance rates for 3 years.  Major tickets such as DUI or Careless driving are at a 5 year impact or more. 

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
SpeedingMinor3 Years
Failure to Use Turn SignalMinor3 Years
Failure to YeldMinor3 Years
Reckless DrivingMajor5 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Crossing over a Center DividerMinor3 Years
Expired TagsNon MovingNA*
DUIMajor10 Years
Using a Cell Phone with DrivingMinor3 Years
Improper Lane useMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
ParkingNon MovingNA*

Insurance Discounts from Each Company 

Discounts are the key to savings for determining your Insurance rates.  Each carrier offers multiple discounts, multi vehicle, paid in full, violation and accident free are just a few of the discounts offered in Winter Park Colorado.  Vehicle use mileage, youthful driver with good grades, and education discounts are available.  When shopping for your insurance, make sure you let your agent know your circumstances – you never know when a discount can be found!

The General
No Accidents or ViolationsNo Accidents or Violations
Multi VehicleMulti Vehicle
MarriedAuto Pay
Paid in FullHomeowners
Auto PayMarried
Multi PolicyPaid in Full
HomeownersContinuous Insurance
Continuous Insurance 

Winter Park Weather and Driving conditions

Winter Park is gorgeous, but do not let those views distract you while you are driving.  With snow averaging 187 inches per year, and the winter low of 21 degrees, driving in Winter Park can be a chore.  Simple tips: give yourself plenty of time to get where you need to go.  Make sure your visibility is clear, and above all be alert, limit your distractions.  An accident can happen in an instant, be prepared and drive defensively.

Winter Park, Colorado
Summer High:
 the July high is around 92 degrees
Winter Low: the January low is 21
Rain: averages 24 inches of rain a year
Snow: averages 187 inches of snow a year

How age and gender affect your Insurance rates 

It is true, youthful drivers will pay higher insurance costs whether you are Male or Female.  Statistics have shown that young male drivers are more likely to contribute to an accident than female drivers, so insurance rates for male drivers in Winter Park Colorado will be higher than a young female driver of the same age and driving history.  This will not be the case forever, starting late 40’s to 50’s insurance carriers statistically see women causing more accidents so their rates will typically be higher than men of the same age and driving history in Winter Park Colorado.

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

Top 10 Vehicles We Insure in  

Winter Park is filled with a variety of different year, makes and models of vehicles.  We have seen insurance policy rates be favorable in the 80842 zip code of Winter Park.  Some of the vehicles where full coverage bargain rates include Buick, Mazda, Lexus and Audi.  We have also seen tremendous savings for liability insurance policies on Subaru and Ford Models.  Vehicle symbols and safety features help determine the insurance rates in Winter Park Colorado.

1Buick
2Audi
3BMW
4Mazda
5Lexus
6Ford
7General Motors
8Cadillac
9Ford F-Models
10GMC
11Volvo
12Subaru

Insurance Company Ratings AM Best, and JD Power

Insurance carriers are rated based on financial strength, customer service, and overall quality. When looking to place your insurance policy in Winter Park Colorado, check out not only the insurance rates for your specific situation, but also keep in mind the rating of the insurance carrier themselves.  Two of the top research companies are JD Power Claims, and AM Best Ratings.  Travelers, State Farm, and Progressive all have high industry standards and ratings.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Travelers865A++
American Family Insurance857A
Automobile Club Group857A++
Nationwide867A+
State Farm878A++
Auto-Owners Insurance870A+
GEICO Auto Insurance879A++
Erie Insurance879A+
Allstate Auto Insurance853A+
Progressive Auto Insurance856A+
MetLife867A+
USAA900A++
Safeco (A division of Liberty Mutual)855A
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Last Updated on July 1, 2021 by Katie Sopko

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