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Are you wanting cheap auto insurance in Pueblo, CO? At AutoInsuranceEZ.com, we can help you find it. What you need to do is provide your local zip code in the search box down the page – it’s so simple!

Pueblo is located near where Fountain Creek and the Arkansas River join, and the particular region of Colorado this city calls home enjoys “banana belt” weather. This means that Pueblo enjoys a warmer climate than most cities within the state. It is also sometimes referred to as “Steel City” due to its economically powerful steel manufacturing base. Keep reading to find more info on auto insurance Colorado.

  • Fun fact: dress in layers and bring a sweater, because Pueblo is #7 on the list of “Top 101 cities with the largest differences between daily high and daily low temperatures (population 50,000+)”. Learn more about Pueblo

Auto Insurance Coverage Requirements in Colorado

Driving legally in Pueblo requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

As you can tell in the center column above, automotive insurance coverage is not legally needed in Colorado beyond that of Liability coverage. However if you simply choose not to purchase additional coverage, you have to be prepared to pay for any damages and/or hospital bills you may be responsible for in the event of a bad situation. Nearly all motorists decide to purchase additional automotive coverage though since it is a lesser hassle.

If you are a Colorado resident, you may be having to pay around $82 monthly for the car insurance at this time. But Pueblo citizens possess the chance to reduce that cost. You may also be eligible for a rates as little as $37/mo* or fewer!

Averae Monthly Auto Insurance Premiums Legend: Pueblo Farmers The Hartford State Farm Amica Allied 5 10 15 20 25 30 35 40 45 50 $37 $40 $40 $27 $50

 

State Farm, The Hartford, and Amica are attempting to offer a few of the cheapest rates in Pueblo at this time. Before you consider switching, consider other important components, for example customer support, which might be missing from certain companies. Just make certain you perform a little research inside your prospective provider prior to committing to some full switch.

Those that underwrite motor vehicle insurance coverage consider different elements while figuring out insurance prices, among them marital status, accident claims, occupation, miles driven each year, and current insurance coverage and limits. Also take into account that premiums differ from between companies. To find out if that you’re still paying the cheapest rate, check cheap Pueblo automotive insurance estimates on the web.

Major Car Insurance Factors in Pueblo

You could possibly feel a bit helpless whenever your vehicle insurance provider is pricing your insurance quote; after all, almost all the factors these people analyze aren’t issues you can easily adjust or control. Luckily, however, there are still things which you may be qualified to change for greater discounts, such as:

  • Your Zip Code

The spot where you park your automobile nightly will probably have a major influence on your motor vehicle insurance rate. Typically, motor vehicle insurance is cheaper in rural areas because a lesser number of automobiles signifies a smaller likelihood that you’ll get into an accident with some other vehicle. The population of Pueblo is 108,249 and also the average household income is $33,784.

Auto Insurance by Zip Code Legend: Denver Colorado Springs Aurora Fort Collins Pueblo Farmers The Hartford State Farm Amica Allied 5 10 15 20 25 30 35 40 45 50 55 $43 $40 $45 $30 $37 $47 $45 $51 $41 $40 $51 $45 $54 $39 $40 $51 $45 $52 $37 $27 $56 $48 $57 $41 $50

 

  • Automotive Accidents

The good news is that there haven’t been very many serious accidents in Pueblo in recent years. And when you live in an area with fewer serious accidents, insurance providers near you tend to offer much larger discounts on insurance policies.

Fatal Accidents in Pueblo, CO Legend: Pueblo Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 6 6 3 6 9 4

 

  • Auto Thefts in Pueblo

Dwelling in a large urban center (Especially any which has a high crime rate) raises your potential for being a target for auto thieves. Should your general locality has high statistics of claims for theft, you can expect to spend a lot more for automobile insurance to balanced out these costs. The full number of thieved automobiles in 2013 rose to 528 within the city of Pueblo. But don’t think that you won’t need Comprehensive coverage just because theft rates are low – it can help protect you from many other types of damage as well.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers The Hartford State Farm Amica Allied 10 20 30 40 50 60 70 80 90 100 $37 $107 $40 $86 $40 $83 $27 $74 $50 $78

 

  • Your Credit Score

Chances are that you are likely to be having to pay greater payments for getting a under perfect credit rating. If you have a bad credit score, try monitoring your score on the free credit confirming site, and take positive steps to improve your credit rating status.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers The Hartford State Farm Amica Allied 10 20 30 40 50 60 70 $30 $73 $34 $61 $30 $79 $22 $50 $47 $60

 

  • Your Age

Whether you are a youthful driver or even the parent of the youthful driver, finding an inexpensive policy can seem to be as an uphill fight. You will find Good Student and Driver’s Ed discount rates, however, which could take a few of the sting from individuals payments.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers The Hartford State Farm Amica Allied 50 100 150 200 250 300 350 400 $37 $403 $40 $150 $40 $148 $27 $91 $50 $180

 

  • Your Driving Record

All of us wish we’re able to be perfect motorists, however the unfortunate the fact is that we’re all having to pay greater payments because of minor offenses, like speeding tickets or “fender-bender” accidents. Well, some providers provides you with a rest by having an “Accident Forgiveness” discount. Speak to your insurance professional to find out if you qualify.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers The Hartford State Farm Amica Allied 10 20 30 40 50 60 70 80 90 $37 $46 $54 $48 $40 $42 $50 $52 $40 $45 $50 $53 $27 $27 $27 $28 $50 $57 $91 $70

 

  • Your Vehicle

If you do not purchase enough coverage, as well as in sufficient amounts, to pay for your financial need in case of any sort of accident, you might be left having to pay for that difference. However, the greater coverage you buy, the greater you spend every month in premiums. That right there’s the primary reason luxury automobiles cost a lot to insure – simply because they want more coverage bought in high amounts to become protected completely.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers The Hartford State Farm Amica Allied 15 30 45 60 75 90 105 120 $37 $122 $40 $131 $40 $121 $27 $104 $50 $89

 

Minor Car Insurance Factors in Pueblo

And now, some less important yet still potentially influential factors:

  • Your Marital Status

Plenty of married people make the most of bundling discount rates by mixing their automotive insurance plans with similar company. Men and women can perform that as well, when they bundle their auto policy with motorcycle or renter’s insurance, presuming their provider offers a variety of guidelines.

  • Your Gender

Many people might want to think that there’s a noticeable difference between men and women motorists, however the record data does not support these presumptions. For this reason many providers have abandoned the concept of charging different premiums according to gender alone.

  • Your Driving Distance to Work

Traffic can be touch-and-go for motorists in Pueblo. While most trips will only last between 10-15 minutes, your daily drive may last up to 20 minutes depending on when and how far you’re driving. More than 78% of motorists will be using their own truck or car for transportation, while up to 15% will likely be carpooling.

Lowering your yearly mileage is a brilliant way to save cash on gas, or vehicle maintenance costs. Regrettably, it is a very inefficient method for saving cash on your payments. At the best, you are able to only be prepared to save 4-6%, and that is for cutting 1000’s of miles off your odometer every year.

  • Your Coverage and Deductibles

Are you aware how high (or low) your deductible is appropriate now? Sadly, most motorists don’t. That is unfortunate, because raising your deductible is really a simple and quick method of making your payments less expensive.

  • Education in Pueblo, CO

More than 31% of those living in Pueblo have a high school diploma hanging on the wall at home, while another 21% have not finished all four years of secondary education. But it’s never too late to go back to school, and doing so could yield some surprising benefits. One of those boons is a lower overall rate on your insurance policy.

There are plenty of educational opportunities for those who live and/or work in Pueblo. Colorado State University has a satellite campus in Pueblo, and enrolls an average of 6,000 students each term. They even started their own football team back in 2007. And for a useful degree in half the time, Pueblo Community College is a public institution which offers comprehensive programs.

Automobile insurance is just about the most important purchases you will make as a car owner. You’ll want to be sure you discover a sincere, dependable business that will follow through on their guarantees. A number of motor vehicle insurance companies will be better at this than the others, and doing a conscientious online hunt can assist you in distinguishing the beneficial from the inadequate.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Colorado Division of Insurance

Colorado Division of Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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