Creede Auto Insurance Rates, Quotes, Agents & Reviews in CO

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

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

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Low Cost Car Insurance in Creede, CO

The average cost of car insurance in Creede, CO, is $1,737. It's no secret that most states require drivers to carry auto insurance. After all, the person at fault in a car accident that results in damages and injuries may face serious financial difficulties. Nevertheless, depending on the driver's needs, auto insurance firms offer a variety of auto insurance packages. These plans come with various costs and coverages from business to company. Use the tips below if you're looking for the cheapest car insurance in Creede, Colorado.

Driving Habits

A clean driving record is one of the most important factors in determining car insurance rates. In Fortuna, CA, a clean driving record can save you up to 25% on your car insurance premiums. Insurance companies use your driving history to determine how dangerous it is to insure you. Your insurance will more likely result in a claim if you have a history of accidents and moving offences. For example, in Fortuna, California, car insurance rates increase by +$457 and +$1,322 for drivers who run red lights or have expired licenses.

Maintain a High Credit Score

The cost of car insurance in Creede, CO, can be high, but there are ways to reduce your costs. One of the best ways to do this is to maintain a high credit score. A high credit score is a sign of financial responsibility and can help you get lower insurance rates. If you have a good credit score, insurers will see you as less of a risk and will be more likely to offer you lower rates. In Creede, Colorado, automobile owners with exceptional credit scores have to pay $1,490, while those with poor or low credit must spend $2,833 for a car. Therefore, car owners must have a decent credit score to qualify for lower auto insurance rates in Creede, CO.

You can do a few things to help improve your credit score. First, make sure you pay your bills on time, including any debts, such as credit cards, car loans, and mortgages. Second, keep your credit balances low. This shows that you're using credit responsibly and not maxing out your cards.

Age of the driver

Teenagers in Fortuna, California, pay $6,363 for auto insurance, while drivers over the age of 40 pay $1,867. The average car insurance rates in Fortuna, CA, are determined by the driver's age. The younger the driver, the higher the rates. The older the driver, the lower the rates. This is because younger drivers are considered more of a risk on the road. They are more likely to get into accidents and cause accidents. Older drivers are considered more experienced and less likely to get into accidents. A defensive driving course can help younger drivers save a little money. In contrast, senior drivers may be eligible for exceptional savings.

Factors that can influence the cost of car insurance in Creede, 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.

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

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

Creede Piedra Gerrard City of Creede South Fork Alpine
Average Insurance Rates $1,811 $1,733 $1,723 $1,794 $1,789 $1,711

Creede, 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 Creede, 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)
Mineral County $1,800 $1,521
Creede $1,865 $1,576
City of Creede $1,872 $1,581
South Fork $1,378 $1,164
Alpine $1,539 $1,300
Piedra $1,774 $1,498
Gerrard $1,269 $1,072

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

Teenagers in Creede, 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 $5,876
20 Years $2,327
30 Years $1,792
40 Years $1,724
50 Years $1,597
60 Years $1,619
70 Years $1,885

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

Car owners in Creede, 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 $3,079 $543
3 Vehicles $4,618 $815
4 Vehicles $6,157 $1,087

Savings on 2 Vehicles bundle:$543

Savings on 3 Vehicles bundle:$815

Savings on 4 Vehicles bundle:$1,087

Creede, 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 Creede, CO.

Location Average Insurance Cost Post DUI Insurance Rate
Mineral County $1,811 $2,737
Creede $1,811 $2,737
City of Creede $1,794 $2,712
South Fork $1,789 $2,704
Alpine $1,711 $2,586
Piedra $1,733 $2,619
Gerrard $1,723 $2,604

Creede, 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) $1,554
Excellent (740-799) $1,774
Good (670-739) $1,887
Average (580-669) $2,462
Poor (300-579) $2,954

Creede, 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
Mackey Insurance Llc Travelers 565 VILLAGE DR STE A, PAGOSA SPRINGS, 81147 970-946-5194
Mary Jo Merkley State Farm 1639 Grande Ave, Monte Vista, 81144-1787 719-852-3548
Truett Forrest State Farm 452 Pagosa St, Pagosa Springs, 81147 970-264-2297
Cowest Of San Luis Valley Liberty Mutual Independent 586 COLUMBIA AVE, DEL NORTE, 81132 (:71) 965-7068
Bayfield Insurance Inc. None 381 Colorado Drive 381 Colorado Drive , Bayfield, 81122 None

Creede, 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 +$80 $1,891
Driver's Failure In Showing Documents +$176 $1,987
Driving With An Expired Registration +$187 $1,998
Driving At A Considerably Slow Pace +$393 $2,204
Using A Cellphone While Driving +$415 $2,226
Running A Red Light +$422 $2,233
Speeding +$444 $2,255
Driving A Vehicle Without The Required Permission +$563 $2,374
Driving With An Expired/Suspended License +$1,221 $3,032

Creede, 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 $1,739
Active Disabling Device $1,739
Tracking Device $1,702
Passive Disabling Device $1,684