In Colorado, the average cost of car insurance is $2,016 for full coverage and $518 for minimum coverage. This means that the average full coverage rate in Littleton is lower, while the average minimum coverage rate is higher than the statewide average premium. In the United States, the average cost of car insurance is $1,674 for full coverage and $565 for minimum coverage.
Every car insurance company in Littleton charges a different rate for coverage, and each person's rate will vary based on their specific rating factors and needs.
Geico, USAA, Auto-Owners, State Farm, and Farmers all provide some of the most affordable car insurance in Colorado. However, it is critical to compare providers based on criteria other than price. Every low-cost insurer has advantages and disadvantages.
Auto-Owners and Farmers, in our opinion, are among the best insurers in terms of coverage options. Geico, USAA, and State Farm all have a limited number of endorsements. All five providers provide a variety of discounts, but the specific savings and amounts vary.
If you are a member of the military and looking for a low-cost provider with excellent customer service, we believe USAA is the clear winner. When it comes to customer service, however, State Farm is another good option, and anyone can request a quote. Farmers and Geico received below-average ratings from J.D. Power, while Auto-Owners received no rating at all.
Insurance requirements in Littleton
In order to register their vehicle and legally drive in Littleton, drivers must have a minimum amount of car insurance. The state of Colorado's minimum car insurance requirements are 25/50/15 and include the following personal liability coverages:
Per person, $25,000 in bodily injury coverage is provided
Per accident, $50,000 in bodily injury coverage is provided
Property damage coverage of $15,000 per accident
Rather than opting for a policy with the bare minimum of coverage to keep costs low, most insurance experts recommend increasing your coverage limits for greater financial protection. There is no guarantee that a minimum coverage policy will cover all of your financial obligations if you cause an accident that puts your personal assets at risk. Also, drivers who lease or finance their vehicle are frequently required to maintain full coverage insurance until their loan is paid off.
Littleton car insurance discounts
Drivers looking for cheap car insurance in Littleton should look for insurance companies that offer discounts. Here are some of the most common Littleton savings:
Discount for defensive driving courses: Drivers who complete an approved defensive driving course or other driver safety training programme may be eligible for a lower rate.
Bundling discount: Drivers who purchase their home or renters insurance policy from the same company as their car insurance often qualify for a significant discount.
AutoPay discount: Some insurance companies will give you a small discount on your premium if you enrol in automatic payments.
Good student discount: Students in high school and college who maintain a minimum GPA or get good grades in school can frequently get a discount on their insurance.
One thing to keep in mind is that each insurance company has its own set of discounts, and the actual savings will vary. When comparing car insurance companies, consider the potential savings for each discount you may be eligible for. The larger the discount, the more money you can save on your insurance.
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