Crook, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Crook, 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.
Low Cost Car Insurance in Crook, CO
The average cost of car insurance in Crook, 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 Crook, Colorado.
Choose a High Deductible
A high deductible can save you money on your car insurance costs in Crook, CO. By choosing a higher deductible, you can lower your monthly premium payments. This means you will have to pay more out-of-pocket if you have an accident, but it can save you money in the long run. You may never have to pay your deductible if you are a safe driver. But a high deductible can help you keep your costs down if you do have an accident. For instance, car owners who opted for a high deductible of 1000 pay a premium of $1,117, whereas car owners who opted for a deductible of 500 pay $1,323.
Maintain a High Credit Score
The cost of car insurance in Crook, 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 Crook, 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 Crook, 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.
Avoid Driving Under the Influence (DUI)
Car insurance rates in Crook, CO, can be costly, especially if you have a DUI on your record. DUI is “driving under the influence,” a severe offence that can lead to high insurance rates. Your car insurance rates will most likely increase if you are convicted of DUI. Insurance companies view DUI as a high-risk behaviour, and they will charge you more for coverage. For instance, auto insurance in Crook, Colorado, costs an average of $1,737. Owners of vehicles that have a history of DUI incur a $2,625 post-DUI premium. As a result, insurance premiums rise after a DUI.
Factors that can influence the cost of car insurance in Crook, 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.
- Crook, CO Auto Insurance Rates
- Crook, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Crook, CO
- Multi Vehicle Insurance Savings in Crook, CO
- How Credit Score Affects Car Insurance Rates in Crook, CO
- How DUI Affects Auto Insurance Premiums in Crook, CO
- Top Auto Insurance Agents Near Crook, CO
- How Driving Violations Affect Auto Insurance Rates in Crook, CO
- Crook, CO Auto Insurance Discounts on Anti Theft Feature
Crook, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Crook, CO with that of other cities in and around Crook.
| Crook | Sidney 3 | Sedgwick | Sidney 5 | Lorenzo | Sunol | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,737 | $1,890 | $1,674 | $1,289 | $1,092 | $1,232 |
Crook, 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 Crook, 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) |
|---|---|---|
| Crook | $1,323 | $1,117 |
| Sidney 5 | $1,139 | $962 |
| Sedgwick | $1,555 | $1,314 |
| Sidney 3 | $1,947 | $1,644 |
| Iliff | $1,261 | $1,065 |
| Lorenzo | $1,125 | $950 |
| Sunol | $1,279 | $1,081 |
| Sidney | $1,607 | $1,357 |
Crook, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Crook, 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 | $5,636 |
| 20 Years | $2,232 |
| 30 Years | $1,719 |
| 40 Years | $1,654 |
| 50 Years | $1,532 |
| 60 Years | $1,553 |
| 70 Years | $1,808 |
Crook, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Crook, 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 | $3,057 | $417 |
| 3 Vehicles | $4,586 | $625 |
| 4 Vehicles | $6,114 | $834 |
Savings on 2 Vehicles bundle:$417
Savings on 3 Vehicles bundle:$625
Savings on 4 Vehicles bundle:$834
Crook, 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 Crook, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Crook | $1,737 | $2,625 |
| Sidney 5 | $1,289 | $1,896 |
| Sedgwick | $1,674 | $2,530 |
| Sidney 3 | $1,890 | $2,780 |
| Iliff | $1,691 | $2,556 |
| Lorenzo | $1,092 | $1,606 |
| Sunol | $1,232 | $1,812 |
| Sidney | $1,306 | $1,921 |
Crook, 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) | $1,490 |
| Excellent (740-799) | $1,701 |
| Good (670-739) | $1,810 |
| Average (580-669) | $2,361 |
| Poor (300-579) | $2,833 |
Crook, 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 |
|---|---|---|---|
| Sonnenberg Agency Llc | Liberty Mutual Independent | 302 N 3RD ST, STERLING, 80751 | 970-522-1681 |
| Brenda Robinett | Farmers | 100 Broadway St Ste 25, Sterling, 80751 | (970) 522-1341 |
| Kellogg-Ewing-Leavitt Ins Agency Inc | Allstate | 119 N 3rd Ave, Sterling, 80751 | (970) 522-4840 |
| South Platte Agency Inc | None | 205 Elm St, Julesburg, 80737 | None |
| Doug Hale | State Farm | 116 W Main St, Sterling, 80751-3141 | 970-522-6245 |
| Colorado - Bw Insurance Agency Inc | Travelers | 130 North 3Rd Street, Sterling, 80751 | None |
Crook, 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 | +$76 | $1,813 |
| Driver's Failure In Showing Documents | +$168 | $1,905 |
| Driving With An Expired Registration | +$179 | $1,916 |
| Driving At A Considerably Slow Pace | +$377 | $2,114 |
| Using A Cellphone While Driving | +$398 | $2,135 |
| Running A Red Light | +$405 | $2,142 |
| Speeding | +$426 | $2,163 |
| Driving A Vehicle Without The Required Permission | +$540 | $2,277 |
| Driving With An Expired/Suspended License | +$1,171 | $2,908 |
Crook, 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 | $1,668 |
| Active Disabling Device | $1,668 |
| Tracking Device | $1,633 |
| Passive Disabling Device | $1,615 |