Windsor Auto Insurance Rates, Quotes, Agents & Reviews in CO

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

Zimlon, through its research, found that car owners in Windsor, 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.

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Best Car Insurance Rates in Windsor, CO

As the fifth most populous city in Colorado, Windsor is a bustling hub for activity. From its many shops and restaurants to its popular events, there is always something to do in this town. However, with all the hustle and bustle, it's important to remember to keep your car insured. Beyond the law, car insurance is important because it protects you financially in case of an accident. If you cause an accident, your insurance will cover the damages to the other vehicle or property and any medical bills for the other driver and passengers. If you're in an accident that another driver caused, their insurance will cover the damages to your vehicle and your medical bills. Either way, you're protected from having to pay out of pocket.

The average cost of car insurance in Windsor, CO, is $1,821. Car insurance costs in Windsor, CO, can vary depending on a number of factors. The type of car you drive, your driving record, your age, and where you live are some things that can affect your rates. This article lists a few elements that can influence the cost of auto insurance in Windsor, Colorado. You should be able to get the most affordable auto insurance rates in Windsor, Colorado, by heeding the advice in this article.

Credit History

When it comes to car insurance, your credit history can play a big role in how much Your credit history is one of the most important factors in determining car insurance rates. Statistics show that people with poor credit are more likely to be involved in car accidents. That's why insurance companies in Windsor, CO use your credit score to help them determine your risk level and how much to charge you for coverage. If you have good credit, you're considered a low-risk driver, and you'll enjoy lower rates. But if your credit score is poor, you'll be seen as a high-risk driver and pay much higher rates. With exceptional credit scores, car owners in Windsor, Colorado, have to pay $1,562, and those with poor or low credit must pay $2,970.

Age of the Driver

Car insurance rates in Windsor, CO, are determined by a number of factors, with the driver's age being one of the most important. Younger drivers are generally considered riskier and tend to pay more for their insurance. However, there are several ways to help keep costs down, even for younger drivers. For instance, teenage drivers in Windsor, Colorado, pay $5,909 for car insurance, whereas older drivers in Windsor, Colorado, who are 40 years old, spend $1,734.

Driving Habits

Your driving record is one of the most important factors in determining car insurance rates. A clean driving record means you're less of a risk to insurers, and they'll reward you with lower rates. But even one speeding ticket can cause your rates to jump. In Windsor, Colorado, the average driver pays $1,821 per year for car insurance. But if you have a speeding ticket on your record, your rates could be higher, and you pay +$446. While it's impossible to avoid all accidents and traffic violations completely, there are ways to minimize the impact on your insurance rates.

Factors that can influence the cost of car insurance in Windsor, 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.

Windsor, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Windsor Evans Garden City Greeley Pierce Timnath
Average Insurance Rates $1,821 $1,745 $1,689 $1,010 $1,734 $1,929

Windsor, 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 Windsor, 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)
Windsor $1,739 $1,469
Severance $1,561 $1,319
Timnath $1,061 $896
Eaton $1,477 $1,248
Greeley $1,431 $1,208
Pierce $1,281 $1,082
Evans $1,266 $1,069
Garden City $2,037 $1,721

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

Teenagers in Windsor, 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 $5,909
20 Years $2,340
30 Years $1,802
40 Years $1,734
50 Years $1,606
60 Years $1,628
70 Years $1,895

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

Car owners in Windsor, 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 $3,096 $546
3 Vehicles $4,644 $819
4 Vehicles $6,191 $1,093

Savings on 2 Vehicles bundle:$546

Savings on 3 Vehicles bundle:$819

Savings on 4 Vehicles bundle:$1,093

Windsor, 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 Windsor, CO.

Location Average Insurance Cost Post DUI Insurance Rate
Windsor $1,821 $2,752
Severance $1,814 $2,742
Timnath $1,929 $2,916
Eaton $1,789 $2,704
Greeley $1,010 $1,527
Pierce $1,734 $2,621
Evans $1,745 $2,638
Garden City $1,689 $2,553

Windsor, 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) $1,562
Excellent (740-799) $1,783
Good (670-739) $1,898
Average (580-669) $2,476
Poor (300-579) $2,970

Windsor, 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 $1,901
Driver's Failure In Showing Documents +$177 $1,998
Driving With An Expired Registration +$188 $2,009
Driving At A Considerably Slow Pace +$395 $2,216
Using A Cellphone While Driving +$417 $2,238
Running A Red Light +$424 $2,245
Speeding +$446 $2,267
Driving A Vehicle Without The Required Permission +$566 $2,387
Driving With An Expired/Suspended License +$1,227 $3,048

Windsor, 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 $1,748
Active Disabling Device $1,748
Tracking Device $1,712
Passive Disabling Device $1,694

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

The AAA insurance policy for vehicles is very affordable and is not a burden like many other car insurance companies.
The AAA insurance policy for vehicles is very affordable and is not a burden like many other car insurance companies.
The Hartford
I think the offerings are probably pretty similar to other auto insurance companys , but is nice to have someone local to deal with.
This insurance company has many policies to choose from. A person can pick the amount of coverage depending on what kind of deductible they think they want to pay and they also offer different forms of payment such as: paying the full premium and receiving a discount, paying monthly by setting up direct payments from a bank account.