Affordable Car Insurance Options in Ashland City

The cost of car insurance varies significantly depending on the company you choose. Therefore, it is crucial to shop around to ensure you are getting the best rate. Based on Freedom Insurance’s latest analysis, here are the most affordable car insurance companies in Ashland City for a 35-year-old driver with good credit and a clean driving record. Keep in mind that insurance rates are personalized, so these may not be the cheapest options for everyone.

Cheapest Car Insurance Companies

Company	Median Annual Rate
Progressive	$1,150
Safeco	$1,829
Travelers	$1,874
Liberty Mutual	$1,949
The General	$1,984
National General	$2,157
Allstate	$2,439
Kemper	$2,533
Gainsco	$2,765

 

Savings with Bundling Home and Auto Policies

If you have separate home and car insurance policies, bundling them could reduce your costs. The potential savings often make it worthwhile to explore this option.

Company	Average 6-Month Premium
Safeco	$734
Travelers	$749
Allstate	$787
Liberty Mutual	$887
Progressive	$1,020

 

Ashland City Car Insurance Discounts Overview

Customer Loyalty Discount

• Savings: 2% – 10%
• Available from: Progressive, Allstate, Safeco, Travelers

Customer Retention Discount

• Savings: Up to 10%
• Available from: Progressive, Allstate, Safeco, Travelers

New Customer Discount

• Savings: 5% – 15%
• Available from: Progressive, Allstate, Safeco, Travelers
• Tip: Get a quote before your old policy expires.

Continuously Insured Discount

• Savings: 5% – 25%
• Available from: Progressive, Travelers
• Condition: Must have had insurance for the past six months.

Billing Discount

• Savings: 2% – 25%
• Available from: Progressive, Safeco, Allstate, Travelers
• Tip: Discounts for email correspondence, online payments, and automated billing.

Bundled Policies Discount

• Savings: 1% – 17%
• Available from: Progressive, Allstate, Safeco, Travelers
• Tip: Discounts for multiple vehicles or policies.

Good Student Discount

• Savings: 5% – 20%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Typically for students with a “B” average or better.

Resident Student Discount

• Savings: 7% – 35%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Student must be at least 100 miles away and not using the insured vehicle.

Good Driver Discount

• Savings: 10% – 30%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Clean driving record or claims-free for a certain period.

Driver Education Discount

• Savings: 2% – 3%
• Available from: Progressive, Allstate, Safeco, Travelers
• Note: Less common now.

Usage-Based Discount

• Savings: Up to 30%
• Available from: Progressive (Snapshot), Safeco (Right Track), Travelers (Intellidrive), Allstate (Drivewise)

Mature Driver Discount

• Savings: 1% – 15%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Completion of a mature driving course.

Occupational Discount

• Savings: 10% – 20%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Discounts based on profession.

Organizational Discount

• Savings: 2% – 20%
• Available from: Varies by insurer

Married Discount

• Savings: 10% – 20%
• Available from: Progressive, Allstate, Safeco, Travelers

Homeowner Discount

• Savings: 2% – 10%
• Available from: Progressive, Allstate, Safeco, Travelers
• Tip: May apply even if your home is insured elsewhere.

Safety Features Discount

• Savings: 4% – 40%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Safety features like anti-lock brakes and stability control.

Passive Restraints Discount

• Savings: 2% – 40%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Cars with airbags and automatic seatbelts.

Anti-Theft System Discount

• Savings: 5% – 25%
• Available from: Progressive, Allstate, Safeco, Travelers
• Condition: Cars with alarms, LoJack, or steering wheel locks.

New Car Discount

• Savings: 5% – 20%
• Available from: Progressive, Allstate, Safeco, Travelers
• Tip: Discounts for insuring a new vehicle.

Auto Insurance Requirements in Ashland City

In Colorado, all drivers must have auto insurance that meets certain minimum coverage amounts. The required coverage includes Liability and Uninsured/Underinsured Motorist coverage.

Minimum Required Liability Coverage:

• $25,000 for Bodily Injury (per person)
• $50,000 for Bodily Injury (per accident involving multiple people)
• $15,000 for Property Damage (per accident)

Minimum Required Uninsured/Underinsured Motorist Coverage:

• $25,000 for Bodily Injury (per person)
• $50,000 for Bodily Injury (per accident involving multiple people)

It’s advisable to consider purchasing more than the minimum required coverage. While this may increase your monthly premiums, it provides better protection in the event of an accident.

Premiums for Minimum Coverage

The amount of coverage you select significantly influences your car insurance rates. In Ashland City, 29% of drivers only carry the state minimum required coverage. While this meets legal requirements, it may leave you underinsured.

Adding collision and comprehensive coverage (often referred to as “full coverage” when combined) will raise your rates but also enhance your financial security and peace of mind. These coverages typically require a deductible, which can affect your rates. Increasing your deductible can lower your monthly premium.

Additionally, consider optional coverages like roadside assistance or uninsured motorist coverage. Although these will increase your overall premiums, they are recommended by experts to ensure maximum protection.

By using our FREE tool below, you can get auto insurance quotes to quickly shop and compare the best rates available near you. On average, we help drivers save hundreds of dollars per year on car insurance premiums.

When you compare rates online, unlike many other auto insurance websites you may have come across, Freedom Insurance will NEVER sell or share your information.

Get Car Insurance Quotes From Top-Rated Carriers

When you get auto insurance quotes, you’ll want to save the most amount of money possible, however, you’ll also want to be sure that your coverage comes from a top-rated provider.

Here at Freedom Insurance Group, we’ve partnered with over 25 top-rated carriers who deliver protection you can trust, are financially sound, and provide a wide range of car insurance options to best suit your needs.

Fill out the form above to get auto insurance quotes that save you money and protect you when you need it the most.

How Freedom Insurance Helps You Find Cheap Auto Insurance Quotes

At Freedom Insurance, we believe in getting you the best rate possible for your auto policy. Here’s how we do it:

• When you fill out the form above to get an auto insurance quote, we quickly compare your personalized coverage needs among our top-rated partners to deliver you the lowest possible premium available.
• Our agents can help you get auto insurance quotes with personalized discounts and protection. This includes bundling your home and auto or renters and auto policies to maximize savings.

Your free online car insurance quote helps you receive an accurate snapshot of what you can expect to pay for your premium so that there are no surprises and you can make an informed decision about your carrier.

Drivers Receive Personalized Protection for Maximum Savings

Every vehicle and driver is unique. There are many auto insurance options available and depending on the protection you require, your premiums will vary based on coverage.

Accuracy is important when you receive a quote and at Freedom Insurance, we’re committed to providing quotes that reflect the protection you deserve at the rate you can expect.

When you get an auto insurance quote using the form above, our process can help you compare a variety of coverages such as collision, comprehensive, and of course, liability.

Our Five-Star Reviews Speak for Themselves

Comparing and saving is important but who you enroll with also matters. Freedom Insurance is proud to partner with only top-rated carriers who also deliver on customer service.

Furthermore, our team is there for you every step of the way and is proud to maintain a growing catalog of five-star reviews.

Our agents act as a liaison and an extra level of customer service for all of your needs.

Get auto insurance quotes from the form above with peace of mind knowing that if you do have to restore a loss, you won’t have to face it alone.

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