Highlands Ranch, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Highlands Ranch, 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 Highlands Ranch, 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.
- Highlands Ranch, CO Auto Insurance Rates
- Highlands Ranch, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Highlands Ranch, CO
- Multi Vehicle Insurance Savings in Highlands Ranch, CO
- How Credit Score Affects Car Insurance Rates in Highlands Ranch, CO
- How DUI Affects Auto Insurance Premiums in Highlands Ranch, CO
- Top Auto Insurance Agents Near Highlands Ranch, CO
- How Driving Violations Affect Auto Insurance Rates in Highlands Ranch, CO
- Highlands Ranch, CO Auto Insurance Discounts on Anti Theft Feature
- Highlands Ranch, CO Auto Insurance Company Reviews
Highlands Ranch, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Highlands Ranch, CO with that of other cities in and around Highlands Ranch.
| Highlands Ranch | Acres Green | Louviers | Columbine Valley | Greenwood Village | Littleton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,827 | $1,820 | $1,788 | $2,114 | $2,188 | $1,172 |
Highlands Ranch, 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 Highlands Ranch, 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) |
|---|---|---|
| Highlands Ranch | $1,941 | $1,639 |
| Acres Green | $2,189 | $1,849 |
| Littleton | $1,838 | $1,552 |
| Louviers | $1,038 | $877 |
| Southwest Arapahoe | $1,352 | $1,142 |
| Columbine Valley | $1,164 | $983 |
| Lone Tree | $1,127 | $952 |
| Greenwood Village | $1,633 | $1,379 |
Highlands Ranch, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Highlands Ranch, 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 | $5,928 |
| 20 Years | $2,347 |
| 30 Years | $1,808 |
| 40 Years | $1,740 |
| 50 Years | $1,611 |
| 60 Years | $1,633 |
| 70 Years | $1,901 |
Highlands Ranch, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Highlands Ranch, 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 | $3,179 | $475 |
| 3 Vehicles | $4,768 | $713 |
| 4 Vehicles | $6,358 | $950 |
Savings on 2 Vehicles bundle:$475
Savings on 3 Vehicles bundle:$713
Savings on 4 Vehicles bundle:$950
Highlands Ranch, 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 Highlands Ranch, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Highlands Ranch | $1,827 | $2,761 |
| Acres Green | $1,820 | $2,751 |
| Littleton | $1,172 | $1,771 |
| Louviers | $1,788 | $2,702 |
| Southwest Arapahoe | $1,868 | $2,823 |
| Columbine Valley | $2,114 | $3,195 |
| Lone Tree | $1,998 | $3,020 |
| Greenwood Village | $2,188 | $3,307 |
Highlands Ranch, 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) | $1,568 |
| Excellent (740-799) | $1,789 |
| Good (670-739) | $1,904 |
| Average (580-669) | $2,484 |
| Poor (300-579) | $2,980 |
Highlands Ranch, 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 |
|---|---|---|---|
| Rick Hayes | State Farm | 3818 S Broadway, Englewood, 80113-3614 | 303-761-1010 |
| Strategic Insurance Services | None | 4155 E Jewell Ave Ste 806, Denver, 80222 | None |
| Colorado Insurors Service Inc | Travelers | 333 W HAMPDEN AVE 900, ENGLEWOOD, 80110 | 303-789-1854 |
| Tag-Berg | Travelers | 17052 WELLINGTON DR, PARKER, 80134 | 303-941-4672 |
| Continental Ins Agc | Allstate | 8310 S Valley Hwy Ste 205, Englewood, 80112 | (303) 470-3233 |
| David Dave Walker | Farmers | 12424 E Weaver Pl Ste B, Centennial, 80111 | (720) 399-1529 |
| Consolidated Agencies Llc | Liberty Mutual Independent | 333 W HAMPDEN AVE STE 905, ENGLEWOOD, 80110 | (303) 789-1889 |
| Arthur J. Gallagher | None | 6399 S Fiddlers Green Cir Ste 200 Englewood, Greenwood Village, 80111 | None |
| Epoint Group Inc | Travelers | 7353 S ALTON WAY STE 175, ENGLEWOOD, 80112 | 720-420-1720 |
Highlands Ranch, 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 | $1,907 |
| Driver's Failure In Showing Documents | +$177 | $2,004 |
| Driving With An Expired Registration | +$188 | $2,015 |
| Driving At A Considerably Slow Pace | +$396 | $2,223 |
| Using A Cellphone While Driving | +$418 | $2,245 |
| Running A Red Light | +$426 | $2,253 |
| Speeding | +$448 | $2,275 |
| Driving A Vehicle Without The Required Permission | +$568 | $2,395 |
| Driving With An Expired/Suspended License | +$1,231 | $3,058 |
Highlands Ranch, 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 | $1,754 |
| Active Disabling Device | $1,754 |
| Tracking Device | $1,717 |
| Passive Disabling Device | $1,699 |
Latest Auto Insurance Reviews in Highlands Ranch, CO | Back to Top
UsaaUSAA has policy offerings for every need. I can't really speak to other carriers' offerings, I've been with USAA for 15 Years.
Usaai had not had filed any car insurance claims with usaa so far.
UsaaI Would definitely recommend as their prices and coverage are unbeatable. Super convenient customer service through the live chat function on their website and they are always eager to please the customer.
State FarmThe premiums are a tad bit higher than other companies but their deductibles are the same that are offered by other companies so I am happy with that although I wish the premiums were a little lower.
State FarmThe premiums are a tad bit higher than other companies but their deductibles are the same that are offered by other companies so I am happy with that although I wish the premiums were a little lower.
ProgressiveI can't think of much. If I had to nitpick, it would be in anticipation that perhaps not every customer service experience will be the same because each person answering the phone is different. I still believe the customer support team does a very good job of representing the company.
21st Century Auto InsuranceI was dissatisfied with the premium increases for moving to a nicer area. I also don't like they do not give discounts for customer loyalty as I've been with them for over 10 years with out lapse.
UsaaSame as most. Provides rental car when in repair shop