One of the more important criteria that help determine the price you pay for insurance is where you choose to live. Regions with larger populations or more claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The illustration below sorts the highest-priced places in Colorado to purchase auto insurance in. Brighton is ranked #12 with the annual price of $1,285 for the average policy, which is approximately $107 monthly.
|Rank||City||Average Per Year|
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Table data uses comparative as the specific area where the vehicle is garaged can affect rates greatly.
Considering where Brighton ranks for car insurance prices, trying to buy cost effective car insurance is hard enough, and deciding which insurers offer the cheapest insurance rates in Brighton involves even more shopping around.
Every car insurance company has their own process for filing rates in each state, so we'll take a look at the insurance companies with the overall cheapest rates in Colorado. It's a good idea to be aware that Colorado insurance rates are influenced by many factors that will increase or decrease the price you have to pay. This price variation is why consumers need to take the time to compare many different companies to get the cheapest car insurance rates in Brighton. Insurance prices can be determined by many different factors and change dramatically, so the cheapest rate two years ago may now be an over-priced policy.
Lowest Insurance Price Quotes in Brighton
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,592|
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The Hartford normally has some of the best car insurance rates in Brighton at around $859 each year. Grange, USAA, Nationwide, and Auto-Owners also qualify as some of the cheapest Brighton, CO auto insurance companies.
In the above rates, if you are insured with Auto-Owners and switched to Grange, you could earn a yearly savings of around $207. Drivers with GEICO may save as much as $227 a year, and State Farm customers might see rate reductions of $260 a year.
Understand that those policy prices are averaged for all insureds and vehicles and and are not calculated with a specific vehicle garaging location in Brighton. So the company that has the cheapest price for you may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.
The car, truck, or SUV needing coverage is one of the main factors that determines whether or not you find cheap auto insurance in Brighton. Vehicles with average performance, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than higher performance models. The next table features car insurance rates for the most budget-friendly automobiles to insure in Colorado.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,168|
|Hyundai Elantra GLS Touring Station Wagon||$1,250|
|Ford F-150 XLT Regular Cab 2WD||$1,252|
|Honda Odyssey LX||$1,262|
|Ford Explorer Eddie Bauer 2WD||$1,279|
|Honda CR-V LX 2WD||$1,286|
|Toyota Corolla LE||$1,423|
|Chevrolet Impala LTZ||$1,432|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,448|
|Nissan Rogue S 2WD||$1,450|
|Ford Edge SEL 2WD||$1,491|
|Honda Civic GX 4-Dr Sedan||$1,496|
|Chevrolet Equinox LT AWD||$1,527|
|Toyota RAV4 Limited 4WD||$1,536|
|Dodge Grand Caravan Hero||$1,527|
|Toyota Camry XLE||$1,561|
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Information does not factor in vehicle location which can raise or lower premiums significantly.
Based on these rates, you can assume that cars like the Ford Escape, Hyundai Elantra, Ford F-150, and Honda Odyssey will be a few of the less-costly vehicles to insure for drivers in Brighton.
Impact of violations and accidents on rates
In a perfect world, the ideal way to earn good car insurance prices in Colorado for drivers in Brighton is to drive safely and avoid at-fault accidents and violations. The information below demonstrates how citations and at-fault fender-benders can impact car insurance costs for different categories of driver ages. The rates are based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
The chart shows that the average cost of car insurance in Brighton per year with no violations or accidents is $2,098. Factor in two speeding tickets and the average cost surges to $2,901, an increase of $803 each year. Now include two accidents along with the two speeding tickets and the annual cost of car insurance in Brighton increases to an average of $5,888. That's an increase of $3,790, or $316 per month, just for being a less-than-perfect driver!
How to find economical auto insurance in Brighton
Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help Colorado drivers buy lower-cost car insurance.
- Increase your policy deductibles
- Drive safely
- Being accident-free can lower rates significantly
- Drivers with good credit ratings often pay less
- Avoid filing small claims
- Buying home and auto insurance together can earn discounts
- Compare prices as often as possible
That last idea is extremely necessary, as we emphasized in this article. Prices fluctuate constantly, so don't be unwilling to switch to a new company if a lower price can be found. We understand brand loyalty, but it isn't a good idea if that devotedness results in you overpaying a considerable chunk of change every month. It only take a few minutes to compare rates and find cheaper insurance in Brighton.