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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Dacono Colorado

Why Are Car Insurance Rates So Expensive Near Me

Car insurance rates in Dacono Colorado are generally considered to be some of the most expensive in the country. Colorado has a unique combination of factors that can make it more costly to insure a vehicle than other states. These include Colorado’s higher-than-average number of uninsured drivers, its mountainous roads and terrain, and Colorado's strict minimum liability requirements.

Uninsured drivers are a major cause of Colorado’s high insurance rates. Colorado law requires drivers to carry minimum liability coverage, but many still drive without any coverage at all. This means that responsible Dacono drivers, who purchase the required amount of auto insurance, must pay higher rates to make up for those who don't follow the law.

The Dacono terrain is also a factor in the high cost of auto insurance premiums. Colorado's picturesque mountains and roads can often be dangerous for drivers, leading to higher rates for everyone. Colorado's roadways are subject to inclement weather conditions, such as snow and ice, which can cause more accidents and lead to higher repair costs.

Finally, Colorado has some of the strictest minimum liability requirements in the country. These laws require all drivers to purchase certain levels of coverage, including bodily injury protection and property damage coverage, even if they don't own a car themselves. This requirement drives up the overall cost of auto insurance premiums in Dacono.

All together, these factors contribute to Colorado having some of the most expensive car insurance rates in the United States. However, Dacono residents can still save money by shopping around for the best deals and taking advantage of discounts such as multi-policy and safe driver incentives. With a bit of research, Colorado drivers can find an affordable policy that meets their needs.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $5,734
20 Years $2,270
30 Years $1,749
40 Years $1,683
50 Years $1,558
60 Years $1,580
70 Years $1,839

Auto Insurance Rates for Young vs Older People

Young drivers in Dacono tend to pay more for car insurance than older, experienced drivers. This is because statistics show that younger drivers are more likely to be involved in accidents due to inexperience and risk-taking behavior. Colorado insurers must take this into account when setting rates and may charge higher premiums for young drivers in order to make up for the increased risk.

Older Dacono residents who have a good driving record and no history of claims or violations can often get much lower rates on their auto insurance policies. Insurers see them as low-risk customers and offer discounts or other incentives to keep them insured with the same company over time. Colorado's resident senior citizens are also eligible for additional discounts at certain companies, further decreasing their auto insurance premiums.

Overall, Colorado car insurance rates can be expensive, but with the right research and understanding of the factors that influence them, Dacono residents can find policies that meet their needs without breaking the bank.

Best Auto Insurance Companies in Colorado

USAA

State Farm

Geico

Metlife

Nationwide

NAIC Market Share

6.01%

16.14%

13.45%

0.97%

2.47%

S&P Global Ratings

AA+

AA

AA+

BBB

A

Average Full Coverage Yearly Premium

$722

$1,185

$899

$2,101

$1,241

Discount Rating

5 stars

5 stars

4 stars

4 stars

4 stars


USAA

State Farm

Geico

Metlife

Nationwide

NAIC Market Share

6.01%

16.14%

13.45%

0.97%

2.47%

S&P Global Ratings

AA+

AA

AA+

BBB

A

Average Full Coverage Yearly Premium

$722

$1,185

$899

$2,101

$1,241

Discount Rating

5 stars

5 stars

4 stars

4 stars

4 stars


USAA

State Farm

Geico

Metlife

Nationwide

NAIC Market Share

6.01%

16.14%

13.45%

0.97%

2.47%

S&P Global Ratings

AA+

AA

AA+

BBB

A

Average Full Coverage Yearly Premium

$722

$1,185

$899

$2,101

$1,241

Discount Rating

5 stars

5 stars

4 stars

4 stars

4 stars


Car Insurance Companies Near Me

Carbon Valley Insurance

630 Main St Unit C, Frederick, CO 80530

(303) 833-3640

http://carbonvalleyinsurance.com/

Josh Lockey - State Farm Insurance Agent

520 8th St, Dacono, CO 80514

(303) 833-1501

http://www.joshlockey.com/

Ricky Hinojos American Family Insurance

336 Fifth St, Frederick, CO 80530

(303) 833-1188

https://agent.amfam.com/Rick-Hinojos/

Otte Family Insurance

Sun Up Ct, Erie, CO 80516

(970) 234-6883

https://ottefamilyinsurance.com/

Farmers Insurance - Craig Hall

246 1/2 Fifth St, Longmont, CO 80504

(303) 833-9075

https://agents.farmers.com/co/frederick/craig-hall

Hajek Insurance Group: Allstate Insurance

8308 Colorado Blvd Ste 202, Longmont, CO 80504

(303) 410-1441

https://agents.allstate.com/hajek-insurance-group-firestone-co.html

Comparing the Best Car Insurance Companies Nearby

Colorado residents have several car insurance companies to choose from. Rates can vary between insurers, so it pays to compare quotes and review the coverage offered by each one. Some of the best auto insurance companies in Dacono include Allstate, Progressive, State Farm, Geico, Colorado Farm Bureau Insurance and American Family Insurance.

Each company has its own set of coverages, discounts and customer service ratings that Colorado drivers should take into account when shopping for car insurance. Additionally, Dacono drivers can save money on their premiums by taking advantage of discounts such as multi-policy savings or safe driver incentives. Comparing rates from different auto insurers is the best way to find an affordable policy without sacrificing necessary coverage.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$4807$1007
Reckless Driving$4266$979
Wrong Way/Wrong Lane$3420$939
Driving on Sus. License$3333$939
Illegal Turn$3309$896
Failure to Obey Traffic Sign$3268$878
Speeding over 15$3185$827
Defective Equipment$3082$801
Speeding under 15$2923$724

How Driving Infractions Increase Insurance Premiums

Colorado drivers can face serious fines and other penalties for driving infractions including speeding tickets, DUIs, reckless driving and more. These violations not only put the driver at risk of criminal conviction but also result in higher auto insurance premiums. Dacono insurers are required to take these violations into account when calculating rates and may charge much higher premiums for drivers with a history of moving violations or accidents.

The best way for Dacono residents to avoid this costly increase is to drive safely and obey all traffic laws. Colorado drivers should also check their credit score and make sure that it is accurate, as poor credit can also lead to higher insurance rates in Colorado. By taking these steps, Colorado drivers can keep their car insurance premiums low while staying safe on the road.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1467
Below Fair $2511
Poor $2679
Worst $3068

Does Credit Score Matter When Getting Cheaper Quotes?

Dacono drivers should be aware that their credit score can affect the car insurance premiums they receive. Colorado insurers use credit-based scoring to help determine a driver's risk level and set rates accordingly. Drivers with higher credit scores tend to pay lower premiums, as insurers view them as less risky customers.

Dacono residents can take steps to improve their credit score in order to get better quotes on their auto insurance policies. Paying bills on time, consolidating debt, and avoiding unnecessary purchases are all good ways for Colorado drivers to maintain a good credit rating and secure cheaper car insurance coverage. It’s important for Colorado drivers to compare multiple quotes from different companies when looking for an affordable policy that meets their needs. Colorado drivers should also take advantage of any discounts that are available and look for ways to lower their premiums without sacrificing coverage. By following these tips, Colorado residents can find the best auto insurance company for them at a price they can afford.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Dacono Colorado

Don't Forget The Total Monthly Cost of Your Vehicle

When shopping for Colorado car insurance, it's important to remember that the premiums you pay are just one part of your total monthly cost. Dacono drivers should also factor in additional costs such as gas, vehicle registration fees and maintenance when calculating their overall budget for owning a car. Taking these expenses into account can help Colorado residents make informed decisions about which auto insurance policy is best for them.

car insurance companies Dacono CO

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Colorado

Colorado drivers also have to decide between full coverage and liability only insurance when choosing an auto policy. Full coverage policies provide more protection for the insured vehicle, while liability only covers costs related to damages caused by the driver. Dacono drivers who own a newer car usually benefit from opting for full coverage as it will cover repairs if the driver is in an accident or if their car is damaged due to theft or vandalism.

Ultimately, Colorado residents should take time to research different companies and compare various policies before selecting the right one for them. By understanding their individual needs and taking advantage of discounts, Dacono drivers can find affordable auto insurance that meets all of their requirements.

State Auto Insurance Minimums in Colorado

Colorado requires all drivers to carry a minimum amount of auto insurance coverage. The state's required liability limits are $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $15,000 per accident for property damage. Colorado also requires drivers to purchase uninsured/underinsured motorist coverage with the same limits as their liability coverage. Dacono residents must purchase additional coverage if they want more protection than the state-mandated minimums provide.

Colorado law also mandates that all insurance companies offer basic health insurance benefits to injured individuals regardless of fault in an automobile accident. This includes medical expenses and lost wages for up to three years after the incident occurred. Dacono does not require drivers to purchase this coverage but it is available to those who want it.

Non-Owner Car Insurance in CO

Colorado residents who don't own a car but still need to drive can purchase non-owner car insurance. This type of policy provides liability coverage when the driver operates a vehicle they do not own. Non-owner policies are usually more affordable than traditional auto insurance and can be beneficial for Dacono drivers who only occasionally borrow or rent vehicles.

Colorado drivers should always make sure their policy meets the state's minimum requirements and that it has the appropriate amount of coverage for their needs. Taking these steps will help Dacono residents find an affordable auto policy that keeps them covered no matter where the roads take them.

Car Insurance Discounts in CO

Colorado residents can also take advantage of various discounts offered by auto insurance companies in the state. Common discounts include those for good driving records, multiple policyholders and safety features such as anti-lock brakes or airbags. Dacono drivers should always ask their insurance agent about available discounts when shopping for a car insurance policy to make sure they're getting the best deal possible.

Colorado has some of the most competitive auto insurance rates in the country, so it's important that Colorado drivers understand how to shop around and find the right coverage at an affordable price without sacrificing coverage. By following these tips, Dacono residents can find the best auto insurance company for them at a price they can afford.

Getting Coverage for Teenagers in CO

Colorado also requires that all drivers under the age of 18 maintain auto insurance coverage. Parents should be aware that adding a teenage driver to their policy can significantly increase premium costs and they should shop around to find the best deal. Dacono insurers are required to offer discounts for students who have good grades and have completed a driver's education course, which can help mitigate some of the increased cost.

Ultimately, Dacono drivers need to make sure they get the right coverage at an affordable price while still meeting the state's requirements. Taking advantage of discounts and understanding their individual needs will ensure Colorado residents have the best possible protection when they hit the roads.

Colorado requires all drivers to carry a minimum amount of auto insurance coverage. Dacono residents should understand the state's requirements and shop around for the best deal to make sure they have enough protection while also staying within their budget. Taking advantage of available discounts can also help Colorado drivers save money on car insurance while still getting the coverage they need.

The Colorado Department of Regulatory Agencies (DORA) is a great resource for Colorado drivers who want to learn more about auto insurance regulations in the state. Dacono residents can contact DORA with questions about auto insurance or to file an official complaint if necessary. By taking these steps, Colorado drivers can be sure that they are getting the best possible coverage at an affordable price without sacrificing protection when traveling on Colorado roads.

Car Insurance for Seniors

Colorado is also home to a large population of seniors, who may find that their auto insurance rates have gone up. Dacono drivers over the age of 65 can take advantage of discounts offered by many insurers in the state, such as those for taking a driver safety course or having multiple cars on one policy. Seniors should always shop around to make sure they are getting the best deal available and check with their insurer about any additional discounts they may qualify for.

No matter what Dacono residents need car insurance for, there is sure to be an option available that meets their needs and budget. By shopping around and understanding all the options available, Colorado drivers can get the coverage they need at an affordable price without sacrificing protection when driving on Colorado roads.

Colorado auto insurance regulations are designed to protect Dacono residents and keep them safe on the roads. Colorado drivers should understand these regulations and shop around for the best deal while also taking advantage of discounts and understanding their individual needs. By following these steps, Colorado residents can be sure they are getting the right coverage at an affordable price.

Do I Need SR-22 Insurance in Colorado

Colorado requires all drivers who have been convicted of certain traffic violations or DUI to carry SR-22 insurance in order to maintain their license. SR-22 is a type of liability insurance that provides coverage for any damages you may cause in the event of an accident. Dacono drivers should contact their insurer about getting the proper coverage and filing the necessary paperwork with DORA so they can keep their license valid.

Finding auto insurance in Colorado doesn't have to be difficult. Colorado residents should understand their state's regulations and shop around for the best deal while also taking advantage of discounts available. By following these tips, Dacono residents can find the best auto insurance company for them at a price they can afford.

Drivers License Requirements in Colorado

Colorado requires all drivers to have a valid driver's license in order to operate a motor vehicle. Dacono residents should understand the state's requirements and make sure they follow them in order to maintain their privilege to drive. Colorado also requires drivers to pass a written and driving test in order to get a license, so drivers should be familiar with these tests before taking them. Colorado residents can find more information about getting their license on the Colorado Department of Motor Vehicles website.

Should I Increase My Deductible?

Colorado drivers who are looking for ways to make their auto insurance more affordable may want to consider increasing their deductible. A higher deductible means that Dacono drivers will pay more out-of-pocket in the event of an accident, but it can also help reduce premiums and save money in the long run. Colorado drivers should always weigh the pros and cons before deciding to increase their deductible and make sure they are comfortable with the additional risk involved.

Benefits of Using a Local Agent or Broker Near Me

Colorado drivers who are looking for auto insurance may want to consider using a local independent agent or broker. Local agents and brokers are familiar with Colorado's regulations and can help Dacono drivers find the coverage they need at an affordable price. They can also provide advice and answer any questions Colorado residents might have about their policy, making it easier for them to make informed decisions when it comes to their car insurance.

Government Auto Insurance Assistance in Colorado

Colorado offers several programs to help Dacono residents get the auto insurance coverage they need. Colorado drivers who may not be able to afford insurance or are having trouble finding an affordable policy should contact their state for assistance. The Colorado Low-Income Auto Insurance Program (CLIAP) is one such program that helps Colorado drivers access financial assistance to help them pay for their auto insurance premiums.

car insurance companies Dacono CO

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Dacono, Colorado. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Dacono, CO.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.