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

Zimlon, through its research, found that car owners in Elsmere, 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 Elsmere, 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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Elsmere, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

	Elsmere	Colorado Springs	Fort Carson	Security-Widefield	Stratmoor	Black Forest
Average Insurance Rates	$1,780	$1,280	$1,754	$1,751	$1,738	$1,938

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Elsmere, 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 Elsmere, 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)
Elsmere	$1,006	$850
Cimarron Hills	$1,481	$1,251
Colorado Springs	$1,044	$882
El Paso County	$1,865	$1,576
Security-Widefield	$2,195	$1,854
Stratmoor	$1,542	$1,302
Fort Carson	$1,807	$1,526
Black Forest	$1,396	$1,179

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

Teenagers in Elsmere, 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	$5,776
20 Years	$2,287
30 Years	$1,762
40 Years	$1,695
50 Years	$1,570
60 Years	$1,591
70 Years	$1,852

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

Car owners in Elsmere, 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	$3,062	$498
3 Vehicles	$4,592	$748
4 Vehicles	$6,123	$997

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Elsmere, 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 Elsmere, CO.

Location	Average Insurance Cost	Post DUI Insurance Rate
Elsmere	$1,780	$2,690
Cimarron Hills	$1,741	$2,631
Colorado Springs	$1,280	$1,935
El Paso County	$1,439	$2,175
Security-Widefield	$1,751	$2,647
Stratmoor	$1,738	$2,627
Fort Carson	$1,754	$2,651
Black Forest	$1,938	$2,929

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Elsmere, 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)	$1,527
Excellent (740-799)	$1,743
Good (670-739)	$1,855
Average (580-669)	$2,420
Poor (300-579)	$2,903

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Elsmere, 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
Donald Wood	Liberty Mutual	2435 Research Parkway Suite 205, Colorado Springs, 80920	1-719-531-9777
Peter Claton	Allstate	5660 S US Highway 85 Unit 1, Colorado Springs, 80911	(719) 390-8771
John Norton	Farmers	5358 N Academy Blvd, Colorado Springs, 80918	(719) 548-0205
Stiltner Insurance Agency	Travelers	1880 DUBLIN BLVD STE C, COLORADO SPRINGS, 80918	719-528-1555
Mountain High Insurance	Travelers	10841 S CROSSROADS DR STE 206, PARKER, 80134	303-468-8255
Mike Dowdy	State Farm	6455 N Union Blvd Ste 206, Colorado Spgs, 80918-5844	719-528-8880
P And G Insurance Professionals Llc	Travelers	6262 Holy Cross Way , Castle Rock, 80108	None
Steve Jarvis	Farmers	10841 Crossroads Dr Ste 102, Parker, 80134	(303) 841-3231
Mac Insurance & Financial Services	None	16 Inverness Place East Bldg D-200 , Englewood, 80112	None
Premier Group Ins-Marshburn T	Travelers	9484 CHESAPEAKE STREET, LITTLETON, 80126	303-683-3709

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Elsmere, 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	+$78	$1,858
Driver's Failure In Showing Documents	+$173	$1,953
Driving With An Expired Registration	+$183	$1,963
Driving At A Considerably Slow Pace	+$386	$2,166
Using A Cellphone While Driving	+$408	$2,188
Running A Red Light	+$415	$2,195
Speeding	+$436	$2,216
Driving A Vehicle Without The Required Permission	+$554	$2,334
Driving With An Expired/Suspended License	+$1,200	$2,980

Elsmere, 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	$1,709
Active Disabling Device	$1,709
Tracking Device	$1,673
Passive Disabling Device	$1,655

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