Pagosa Springs, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Pagosa Springs, 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 Pagosa Springs, 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.
- Pagosa Springs, CO Auto Insurance Rates
- Pagosa Springs, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Pagosa Springs, CO
- Multi Vehicle Insurance Savings in Pagosa Springs, CO
- How Credit Score Affects Car Insurance Rates in Pagosa Springs, CO
- How DUI Affects Auto Insurance Premiums in Pagosa Springs, CO
- Top Auto Insurance Agents Near Pagosa Springs, CO
- How Driving Violations Affect Auto Insurance Rates in Pagosa Springs, CO
- Pagosa Springs, CO Auto Insurance Discounts on Anti Theft Feature
Pagosa Springs, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Pagosa Springs, CO with that of other cities in and around Pagosa Springs.
| Pagosa Springs | Archuleta County | Dulce | Lumberton | |
|---|---|---|---|---|
| Average Insurance Rates | $1,807 | $1,808 | $1,326 | $2,016 |
Pagosa Springs, 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 Pagosa Springs, 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) |
|---|---|---|
| Pagosa Springs | $2,349 | $1,984 |
| Archuleta County | $2,353 | $1,987 |
| Dulce | $1,429 | $1,207 |
| Lumberton | $2,076 | $1,754 |
Pagosa Springs, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Pagosa Springs, 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 | $5,863 |
| 20 Years | $2,322 |
| 30 Years | $1,788 |
| 40 Years | $1,721 |
| 50 Years | $1,593 |
| 60 Years | $1,616 |
| 70 Years | $1,881 |
Pagosa Springs, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Pagosa Springs, 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 | $3,144 | $470 |
| 3 Vehicles | $4,716 | $705 |
| 4 Vehicles | $6,288 | $940 |
Savings on 2 Vehicles bundle:$470
Savings on 3 Vehicles bundle:$705
Savings on 4 Vehicles bundle:$940
Pagosa Springs, 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 Pagosa Springs, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Pagosa Springs | $1,807 | $2,731 |
| Archuleta County | $1,808 | $2,733 |
| Dulce | $1,326 | $2,088 |
| Lumberton | $2,016 | $3,174 |
Pagosa Springs, 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) | $1,550 |
| Excellent (740-799) | $1,770 |
| Good (670-739) | $1,883 |
| Average (580-669) | $2,457 |
| Poor (300-579) | $2,947 |
Pagosa Springs, 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 |
| Truett Forrest | State Farm | 452 Pagosa St, Pagosa Springs, 81147 | 970-264-2297 |
| Sechrist Insurance Agency | Travelers | 321 STALLO ST, MONTE VISTA, 81144 | 719-852-2626 |
| Tag-Rocky Mountain Insurance Inc | Travelers | 920 1ST AVENUE, MONTE VISTA, 81144 | 719-852-0494 |
| Bayfield Insurance Inc. | None | 381 Colorado Drive 381 Colorado Drive , Bayfield, 81122 | None |
Pagosa Springs, 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 | $1,887 |
| Driver's Failure In Showing Documents | +$175 | $1,982 |
| Driving With An Expired Registration | +$186 | $1,993 |
| Driving At A Considerably Slow Pace | +$392 | $2,199 |
| Using A Cellphone While Driving | +$414 | $2,221 |
| Running A Red Light | +$421 | $2,228 |
| Speeding | +$443 | $2,250 |
| Driving A Vehicle Without The Required Permission | +$562 | $2,369 |
| Driving With An Expired/Suspended License | +$1,218 | $3,025 |
Pagosa Springs, 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 | $1,735 |
| Active Disabling Device | $1,735 |
| Tracking Device | $1,699 |
| Passive Disabling Device | $1,681 |