Loveland, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Loveland, 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 Loveland, 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.
- Loveland, CO Auto Insurance Rates
- Loveland, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Loveland, CO
- Multi Vehicle Insurance Savings in Loveland, CO
- How Credit Score Affects Car Insurance Rates in Loveland, CO
- How DUI Affects Auto Insurance Premiums in Loveland, CO
- Top Auto Insurance Agents Near Loveland, CO
- How Driving Violations Affect Auto Insurance Rates in Loveland, CO
- Loveland, CO Auto Insurance Discounts on Anti Theft Feature
- Loveland, CO Auto Insurance Company Reviews
Loveland, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Loveland, CO with that of other cities in and around Loveland.
| Loveland | Johnstown-Milliken | Lyons | Laporte | Berthoud | Windsor | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $975 | $1,813 | $1,928 | $1,805 | $1,853 | $1,821 |
Loveland, 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 Loveland, 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) |
|---|---|---|
| Loveland | $1,735 | $1,465 |
| Berthoud | $1,128 | $953 |
| Fort Collins | $1,745 | $1,474 |
| Timnath | $1,061 | $896 |
| Laporte | $1,879 | $1,587 |
| Lyons | $1,986 | $1,677 |
| Johnstown-Milliken | $1,580 | $1,335 |
| Windsor | $1,739 | $1,469 |
Loveland, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Loveland, 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 | $3,164 |
| 20 Years | $1,253 |
| 30 Years | $965 |
| 40 Years | $928 |
| 50 Years | $860 |
| 60 Years | $872 |
| 70 Years | $1,015 |
Loveland, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Loveland, 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 | $1,697 | $254 |
| 3 Vehicles | $2,545 | $380 |
| 4 Vehicles | $3,393 | $507 |
Savings on 2 Vehicles bundle:$254
Savings on 3 Vehicles bundle:$380
Savings on 4 Vehicles bundle:$507
Loveland, 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 Loveland, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Loveland | $975 | $1,474 |
| Berthoud | $1,853 | $2,801 |
| Fort Collins | $968 | $1,463 |
| Timnath | $1,929 | $2,916 |
| Laporte | $1,805 | $2,728 |
| Lyons | $1,928 | $2,914 |
| Johnstown-Milliken | $1,813 | $2,740 |
| Windsor | $1,821 | $2,752 |
Loveland, 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) | $837 |
| Excellent (740-799) | $955 |
| Good (670-739) | $1,016 |
| Average (580-669) | $1,325 |
| Poor (300-579) | $1,590 |
Loveland, 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 |
|---|---|---|---|
| Jim Todd | State Farm | 1109 N Lincoln Ave, Loveland, 80537-4846 | 970-669-1900 |
| Ed Bowen | State Farm | 1491 Denver Ave Unit 201, Loveland, 80538-5229 | 970-667-2211 |
| Ed Bowen | State Farm | 1491 Denver Ave Unit 201, Loveland, 80538-5229 | 970-667-2211 |
| Ed Bowen | State Farm | 1491 Denver Ave Unit 201, Loveland, 80538-5229 | 970-667-2211 |
| Ed Bowen | State Farm | 1491 Denver Ave Unit 201, Loveland, 80538-5229 | 970-667-2211 |
| Leivestad Agency | None | 4412 W. Eisenhower Blvd , Loveland, 80537 | None |
| Terry Balinski | Farmers | 1748 Topaz Dr, Loveland, 80537 | (970) 593-0808 |
| Neil Deutsch | Farmers | 8525 Ralston Rd, Arvada, 80002 | (303) 464-1911 |
| Insurance Group Of Colorado - Ahern | Liberty Mutual Independent | 1970 KIPLING ST, LAKEWOOD, 80215 | (303) 991-7177 |
Loveland, 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 | +$43 | $1,018 |
| Driver's Failure In Showing Documents | +$95 | $1,070 |
| Driving With An Expired Registration | +$100 | $1,075 |
| Driving At A Considerably Slow Pace | +$212 | $1,187 |
| Using A Cellphone While Driving | +$223 | $1,198 |
| Running A Red Light | +$227 | $1,202 |
| Speeding | +$239 | $1,214 |
| Driving A Vehicle Without The Required Permission | +$303 | $1,278 |
| Driving With An Expired/Suspended License | +$657 | $1,632 |
Loveland, 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 | $936 |
| Active Disabling Device | $936 |
| Tracking Device | $917 |
| Passive Disabling Device | $907 |
Latest Auto Insurance Reviews in Loveland, CO | Back to Top
UsaaThe deductible and premium for USAA is slightly above average to other companies. When comparing prices, they beat GEICO, Liberty Mutual, and ESurance.
ProgressiveThey offer all types of property and casualty insurance. Aside from car insurance, they insure motorcycles, boats, RV's, and really any other type of vehicle.
State FarmRate a 4 on customer service, they are always very helpful, never rude and answer the call without being put off to have an answering machine
NationwideI am mostly satisfied with my insurance since they have been very responsive in my experience. They also provide online access to my account so I can make changes online.
AaaI have not really shopped around for premiums and deductibles as I am very happy with my current provider.
AaaI have not really shopped around for premiums and deductibles as I am very happy with my current provider.
State FarmOne of the things I dislike about my company is that the premium is way too high compared to other companies. I think my company charges at least 30% more than other companies do.
ProgressiveHonestly I am not sure how this policy compares to others because I went with the most cost effective option (Progressive) and I know that the coverage they offer me is good. And, I know that other people have had positive experiences with Progressive so I trust that they will provide good service.
National GeneralThe premium is very fair. I pay about $3500 annually for my policy, and that is probably close to what everyone else would charge me.
Horace MannBecause I have full coverage, I know it's going to be more expensive in general. I trust my broker to choose the company that is going to save me the most money for similar policies.
State FarmMy insurance company offers both online customer service options as well as the ability to reach them via phone or in person at a local office. I have found that these options meet my needs.
AllstateI elected coverage with Allstate purely for the customer service. The offer policy offerings are consistent with other companies
ProgressiveI Like the fact that they go out of their way to help us and get issues settled promptly. They work with the collision companies I choose and are prompt with service and payment.