Cortez, CO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cortez, 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 Cortez, 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.

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Cortez, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cortez, CO with that of other cities in and around Cortez.

	Cortez	Pleasant View	Montezuma County	Ute Mountain	Lewis	Towaoc
Average Insurance Rates	$1,750	$1,798	$1,760	$1,735	$1,738	$1,734

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Cortez, 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 Cortez, 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)
Cortez	$1,583	$1,337
Montezuma County	$1,381	$1,167
Lewis	$1,832	$1,548
Towaoc	$1,452	$1,227
Pleasant View	$1,395	$1,178
Ute Mountain	$1,473	$1,244

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Cortez, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cortez, 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	$5,678
20 Years	$2,249
30 Years	$1,732
40 Years	$1,666
50 Years	$1,543
60 Years	$1,565
70 Years	$1,821

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Cortez, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cortez, 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	$3,045	$455
3 Vehicles	$4,568	$683
4 Vehicles	$6,090	$910

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Cortez, 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 Cortez, CO.

Location	Average Insurance Cost	Post DUI Insurance Rate
Cortez	$1,750	$2,645
Montezuma County	$1,760	$2,660
Lewis	$1,738	$2,627
Towaoc	$1,734	$2,621
Pleasant View	$1,798	$2,718
Ute Mountain	$1,735	$2,622

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Cortez, 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)	$1,501
Excellent (740-799)	$1,714
Good (670-739)	$1,824
Average (580-669)	$2,379
Poor (300-579)	$2,854

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Cortez, 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
Garver Insurance Agency	Travelers	17404 HWY 145, DOLORES, 81323	970-565-2389
Johnson Insurance Agency	None	11 N Beech Street, Cortez, 81321	None
Ricky King	State Farm	303 E Main St, Cortez, 81321-3241	970-565-3796
Western Group Inc-Denver	Travelers	23 S MARKET ST, CORTEZ, 81321	970-565-1444
Western Group Inc - Cortez	Liberty Mutual Independent	23 S MARKET ST, CORTEZ, 81321	970-565-1444
Woods Insurance Service	Travelers	2204 E. Main, Cortez, 81321	None

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Cortez, 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	+$77	$1,827
Driver's Failure In Showing Documents	+$170	$1,920
Driving With An Expired Registration	+$180	$1,930
Driving At A Considerably Slow Pace	+$380	$2,130
Using A Cellphone While Driving	+$401	$2,151
Running A Red Light	+$408	$2,158
Speeding	+$429	$2,179
Driving A Vehicle Without The Required Permission	+$544	$2,294
Driving With An Expired/Suspended License	+$1,180	$2,930

Cortez, 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	$1,680
Active Disabling Device	$1,680
Tracking Device	$1,645
Passive Disabling Device	$1,628

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Latest Auto Insurance Reviews in Cortez, CO | Back to Top