Save on Auto Insurance in Columbine Colorado

Affordable Car Insurance Options in Columbine

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 NerdWallet’s latest analysis, here are the most affordable car insurance companies in Columbine 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	$1,148
Safeco	$1,827
Travelers	$1,870
Liberty Mutual	$1,966
The General	$1,978
National General	$2,162
Allstate	$2,433
Kemper	$2,535
Gainsco	$2,769

 

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	$729
Travelers	$745
Allstate	$787
Liberty Mutual	$889
Progressive	$1,020

 

Auto Insurance Requirements in Columbine

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 Columbine, 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.

Columbine 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.