Commerce City, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Commerce City, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Commerce City, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Commerce City, CO Auto Insurance Rates
- Commerce City, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Commerce City, CO
- Multi Vehicle Insurance Savings in Commerce City, CO
- How Credit Score Affects Car Insurance Rates in Commerce City, CO
- How DUI Affects Auto Insurance Premiums in Commerce City, CO
- Top Auto Insurance Agents Near Commerce City, CO
- How Driving Violations Affect Auto Insurance Rates in Commerce City, CO
- Commerce City, CO Auto Insurance Discounts on Anti Theft Feature
- Commerce City, CO Auto Insurance Company Reviews
Commerce City, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Commerce City, CO with that of other cities in and around Commerce City.
| Commerce City | North Aurora | Brighton | Thornton | Denver County | Lochbuie | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,607 | $1,739 | $1,151 | $1,285 | $1,281 | $1,761 |
Commerce City, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Commerce City, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Commerce City | $1,628 | $1,375 |
| Brighton | $1,434 | $1,211 |
| Derby | $1,436 | $1,213 |
| Todd Creek | $1,575 | $1,330 |
| Thornton | $1,196 | $1,010 |
| North Aurora | $1,061 | $896 |
| Lochbuie | $1,602 | $1,353 |
| Denver County | $1,902 | $1,607 |
Commerce City, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Commerce City, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,214 |
| 20 Years | $2,065 |
| 30 Years | $1,590 |
| 40 Years | $1,530 |
| 50 Years | $1,417 |
| 60 Years | $1,437 |
| 70 Years | $1,672 |
Commerce City, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Commerce City, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,796 | $418 |
| 3 Vehicles | $4,194 | $627 |
| 4 Vehicles | $5,592 | $836 |
Savings on 2 Vehicles bundle:$418
Savings on 3 Vehicles bundle:$627
Savings on 4 Vehicles bundle:$836
Commerce City, CO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Commerce City, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Commerce City | $1,607 | $2,429 |
| Brighton | $1,151 | $1,740 |
| Derby | $1,722 | $2,603 |
| Todd Creek | $1,973 | $2,982 |
| Thornton | $1,285 | $1,942 |
| North Aurora | $1,739 | $2,628 |
| Lochbuie | $1,761 | $2,662 |
| Denver County | $1,281 | $1,936 |
Commerce City, CO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,379 |
| Excellent (740-799) | $1,574 |
| Good (670-739) | $1,675 |
| Average (580-669) | $2,185 |
| Poor (300-579) | $2,621 |
Commerce City, CO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Eddie Olivas | State Farm | 6496 E 73rd Ave, Commerce City, 80022-1709 | 303-288-8880 |
| Altitude Rms, Llc | None | 2963 Akron Ct, Denver, 80238 | None |
| Aai-Janine Vigil | Travelers | 10754 BELLE CREEK BLVD STE 108, HENDERSON, 80640 | 303-452-1893 |
| Mark Whitfield Csp | Farmers | 13659 E 104th Ave Unit 700, Commerce City, 80022 | (303) 947-8189 |
| Robert James | Farmers | 1401 E Bridge St Ste 107, Brighton, 80601 | (303) 495-2226 |
| Flood & Peterson Inc | None | 2000 S Colorado Blvd. Tower One Ste 1-4000, Denver, 80222 | None |
| Nationwide Sales Solutions Agency | Nationwide | 9645 Washington St STE 100, Thornton, 80229-2174 | (720) 509-2332 |
| Affordable American Ins Inc | Liberty Mutual Independent | 2090 E 104Th Ave, Ste 300 , Denver, 80233 | None |
Commerce City, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$71 | $1,678 |
| Driver's Failure In Showing Documents | +$156 | $1,763 |
| Driving With An Expired Registration | +$166 | $1,773 |
| Driving At A Considerably Slow Pace | +$349 | $1,956 |
| Using A Cellphone While Driving | +$368 | $1,975 |
| Running A Red Light | +$374 | $1,981 |
| Speeding | +$394 | $2,001 |
| Driving A Vehicle Without The Required Permission | +$500 | $2,107 |
| Driving With An Expired/Suspended License | +$1,083 | $2,690 |
Commerce City, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,543 |
| Active Disabling Device | $1,543 |
| Tracking Device | $1,511 |
| Passive Disabling Device | $1,495 |
Latest Auto Insurance Reviews in Commerce City, CO | Back to Top
UsaaI would absolutely recommend my car insurance to anyone.they are friendly and willing to help and my insurance prices have not raised as much as they would have with other companies.
Usaai am not sure how their rates compare because it has been a long time since I did a comparison. because of the recent roof situation, i will be taking a look at other options.
Liberty MutualIt is easy for them to compare "apples and apples" if you provide the information and you could easily find something cheaper than liberty mutual.