Key Points

• American National and Travelers have the cheapest car insurance in the city according to our sources.

• Shawn Hughes on Arapahoe Road provides the best service in Firestone according to Yelp and Google

Best Car Insurance Brokers and Agencies in Firestone

We compared Yelp and Google to find cheap car insurance in Firestone. According to their reviews, we think they’ll be able to find the best price and offer the best service

Shawn Hughes – State Farm Insurance	5 / 5	5 / 5	5 / 5
Browning Insurance Agency	5 / 5	4.7 / 5	5 / 5
Baille Barbour – State Farm Insurance	5 / 5	4.9 / 5	–
Liz Hogan: Allstate Insurance	5 / 5	4.7 / 5	–

Finding Affordable Car Insurance in Firestone

Obtaining affordable car insurance in Firestone can be challenging due to factors such as age, driving history, and location. By understanding these factors and exploring your options, you can find insurance that fits your budget without sacrificing coverage. This article provides a comprehensive guide to affordable car insurance in Firestone, with insights from MarketWatch, NerdWallet, and MoneyGeek.

Colorado's Minimum Insurance Requirements

Colorado law requires drivers to carry a minimum amount of car insurance, including:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident.
• Property Damage Liability: $15,000 per accident.
• Uninsured/Underinsured Motorist Coverage: Equal to bodily injury liability limits.

While meeting the minimum coverage can lower premiums, it's often wise to consider higher limits or additional coverage for better protection.

Factors That Affect Car Insurance Rates in Colorado

Age and Driving Experience: Insurance premiums vary significantly based on the driver's age and experience. Younger and less experienced drivers often face higher rates due to higher risk profiles. For instance, a 25-year-old driver in Colorado might pay around $1,700 annually, while a 40-year-old driver might pay closer to $1,300 for the same coverage.

Driving History: A clean driving record can lower insurance costs, while accidents and traffic violations typically increase them. For example, a driver with no violations might pay around $1,400 annually, while someone with a speeding ticket might pay approximately $1,800. Serious infractions, such as DUIs, can push rates beyond $2,500 per year.

Location: Insurance premiums also vary based on location, with urban areas generally seeing higher rates due to increased traffic and crime rates. For instance, drivers in Denver might pay an average of $1,800 annually, while those in Fort Collins might pay closer to $1,400. Areas prone to natural disasters like hailstorms can also affect insurance rates.

Top Providers of Affordable Car Insurance in Colorado

American National

Travelers

Travelers is known for offering below-average rates and a variety of discount options, including discounts for good students and military members. The average annual rate for full coverage from Travelers in Colorado is approximately $1,671. They also offer accident forgiveness and mechanical breakdown insurance.

Colorado Farm Bureau

Colorado Farm Bureau offers competitive rates and a range of discounts, including bundling auto and home insurance and maintaining continuous coverage. Their Snapshot program rewards good driving habits with lower rates. Colorado Farm Bureau’s average annual rate for full coverage in Colorado is around $1,735. Their Name Your Price tool allows drivers to customize policies to fit their budgets.

USAA

USAA offers some of the most competitive rates and comprehensive coverage options for military members and their families. With average annual rates around $1,640, USAA often provides the lowest premiums for eligible drivers. They also offer exceptional customer service and various discounts, such as for safe driving and policy bundling.

Tips for Securing the Lowest Car Insurance Rates

Compare Multiple Quotes: One of the most effective ways to find affordable car insurance is to compare quotes from multiple insurers. Online comparison tools make this process easier and more efficient. Rates can differ significantly between providers, with some offering as low as $1,200 annually and others up to $2,000. Taking the time to compare can lead to substantial savings.

Look for Discounts: Insurance companies offer various discounts that can significantly reduce your premiums. Common discounts include those for good driving records, bundling policies, being a good student, and having vehicle safety features. These discounts can lower your annual premium by 10% to 30%. Many insurers also provide discounts for completing defensive driving courses or installing anti-theft devices.

Evaluate Coverage Needs: Carefully assess your coverage requirements. While it’s essential to have adequate protection, you might save money by adjusting your coverage levels or deductibles. Increasing your deductible from $500 to $1,000 could lower your annual premium by approximately 15%. Similarly, opting for liability-only coverage if you drive an older vehicle can significantly reduce costs.

Maintain Good Credit: In Colorado, insurers can use your credit score to determine premiums. Maintaining a good credit score can result in lower rates. Pay bills on time, reduce debt, and regularly check your credit report for accuracy.

Cheap Car Insurance Firestone: A Guide To Lowering Your Costs

Conclusion

Finding affordable car insurance in Colorado involves understanding the factors that influence rates and knowing where to find the best deals. By comparing quotes, seeking out discounts, and tailoring coverage to your needs, you can secure an insurance plan that offers both affordability and protection. Companies like American National, Travelers, Colorado Farm Bureau, and USAA provide excellent options for Firestone drivers looking to save on car insurance without sacrificing quality. With the right approach, you can obtain comprehensive coverage at a reasonable cost, ensuring peace of mind on the road.

How We Rank and Researched

To compile the information for this article we used a team of researchers to assess results based on Yelp, Google, and Facebook and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources