One of the more important criteria that are used to help calculate the amount you pay for auto insurance is where you live in Pueblo. Cities with larger populations will most likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The next table ranks the most costly cities in Colorado to purchase car insurance in. Pueblo is listed at #3 with an annual cost of $1,397 for car insurance, which is around $116 per month.
|Rank||City||Premium Per Year|
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Prices are estimated as specific location information can revise coverage prices considerably.
Considering where Pueblo ranks on price, finding dependable, reasonably-priced car insurance is not easy, and figuring out which companies have the best insurance rates in Pueblo calls for even more perseverance.
Every insurance provider uses different criteria for determining rates in each state, so let's rank the insurance companies that tend to have lower prices in Pueblo. It's important to know that Pueblo insurance rates are influenced by many factors that control your annual premium. Simply improving your credit, increasing liability limits, or getting a few speeding tickets may cause policy rate changes that may make certain companies more expensive than competitors.
Best Insurance Companies in Pueblo
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
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The Hartford generally has some of the lowest car insurance rates in Pueblo at around $825 each year. Grange, USAA, Nationwide, and GEICO also are some of the more affordable Pueblo, CO auto insurance companies.
As the example above demonstrates, if you currently have coverage with GEICO and switched to Grange, you could see a yearly price reduction of upwards of $189. Customers with Travelers might save as much as $196 a year, and Auto-Owners insureds might realize rate reductions of up to $205 a year.
Understand that those policy prices are averaged across all drivers and vehicles in Colorado and are not factoring in a specific zip code in Pueblo. So the insurer that fits your situation best may not even be in the list above. That's why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The vehicle model requiring insurance is probably the most important factor in finding the most economical coverage in Pueblo. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models.
The next table illustrates insurance premiums for a number of the most cost-effective automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,500|
|Honda Accord EX-L 4-Dr Sedan||$1,593|
|Honda CR-V LX 2WD||$1,653|
|Nissan Altima 2.5 4-Dr Sedan||$1,735|
|Toyota Tacoma Double Cab 4WD||$1,744|
|Ford Explorer Limited 2WD||$1,767|
|Dodge Grand Caravan SXT||$1,773|
|Volkswagen Jetta S 2.5 Station Wagon||$1,789|
|Hyundai Elantra GLS 4-Dr Sedan||$1,830|
|Toyota Camry SE||$1,838|
|Toyota Corolla XLE||$1,830|
|Ford Focus SE 4-Dr Sedan||$1,863|
|Chevrolet Equinox LT 2WD||$1,901|
|Chevrolet Malibu LS||$1,911|
|Ford F-150 XL Crew Cab 4WD||$1,906|
|Honda Civic GX 4-Dr Sedan||$1,923|
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease coverage prices greatly.
Based on these rates, we can presume that vehicles like the Ford Escape, Honda Accord, Honda CR-V, and Nissan Altima are most likely to be a few of the cheaper vehicles to insure for drivers in Pueblo.
The diagram below shows how choosing a deductible can influence annual premium costs when quoting cheap insurance in Pueblo. The costs are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $452 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $682 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could lower their rates as much as $1,332 annually just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is essential to have emergency funds available to cover the extra out-of-pocket expense that is associated with using high deductibles.
How to find economical insurance in Pueblo
The list below details a few thrifty suggestions that can help drivers get low-cost coverage.
- Vehicles with safetly features generally cost less to insure
- Improve your credit
- Avoid getting tickets or violations
- Avoid having at-fault accidents
- Raise comprehensive and collision coverage deductibles
- Shop around for cheaper rates regularly
That last idea is particularly vital, as was emphasized in this piece. Coverage rates adjust frequently, so you should be ready to switch to a new company if a better rate can be found.
We understand brand loyalty, but it's not recommended if your bullheadedness ends up costing you money that could be going to better use. In just a couple of minutes you could compare rates to find cheaper car insurance in Pueblo.