Want a free price quotes on more competitive insurance rates in Durango, CO? Durango buyers have options when searching for low-cost car insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to make rate comparisons.

There is a better way to buy insurance so we're going to tell you the quickest way to compare rates for a new or used and get the best price possible from Durango insurance agents and online providers.

It is always a good idea to take a look at other company's rates periodically because rates are constantly changing. Just because you found the lowest premium rates on insurance a couple years back there may be better deals available now. Ignore everything you know about insurance because you're about to find out how to use online quotes to lower your rates without sacrificing coverage.

The companies in the list below can provide free rate quotes in Durango, CO. If multiple providers are shown, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Durango
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,166 $583 $97
Chevrolet Impala LS $1,166 $583 $97
Chevrolet Malibu LS $1,184 $592 $99
Chevrolet Silverado LTZ Crew Cab 2WD $1,180 $590 $98
Dodge Ram Crew Cab Laramie 2WD $1,636 $818 $136
Ford Escape Limited 4WD $968 $484 $81
Ford F-150 Lariat King Ranch 2WD $1,186 $593 $99
Ford Focus SE 4-Dr Sedan $1,080 $540 $90
Honda Accord LX-P 4-Dr Sedan $1,156 $578 $96
Honda CR-V LX 4WD $702 $351 $59
Honda Civic GX 4-Dr Sedan $1,560 $780 $130
Honda Odyssey EX $1,066 $533 $89
Hyundai Elantra SE 4-Dr Sedan $976 $488 $81
Hyundai Sonata Limited 4-Dr Sedan $954 $477 $80
Jeep Wrangler Sport 4WD 2-Dr $884 $442 $74
Nissan Altima 3.5 SR 4-Dr Sedan $976 $488 $81
Toyota Camry XLE $1,128 $564 $94
Toyota Corolla LE $1,104 $552 $92
Toyota RAV4 Limited 2WD $1,248 $624 $104
Toyota Tacoma 4WD $1,120 $560 $93
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in vehicle garaging location which can raise or lower coverage rates considerably.

Difference between full coverage and liability only rates

The illustration below visualizes the comparison of Ford Focus car insurance rates when comparing full coverage to state minimum liability only. Data assumes no accidents, no driving violations, $1,000 deductibles, single male driver, and no policy discounts are applied.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comp and collision

There is no exact rule to eliminate full coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's assume your Ford Focus replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year to have full coverage, then you may need to consider dropping full coverage.

There are some scenarios where removing full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Rate comparison of males versus females

The example below shows the difference between yearly insurance costs for male and female drivers in Durango. The information is based on no violations or claims, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration on a Chevrolet Tahoe LTZ.

Chevrolet Tahoe rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Slash rates with these five discounts on car insurance

Car insurance is not an enjoyable expense, but you might be missing out on some discounts to cut the cost considerably. Some of these discounts will be visible at quote time, but lesser-known reductions have to be specially asked for before you get the savings.Cheaper car insurance with discounts

It's important to note that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, that's just not realistic.

Large car insurance companies and their possible discounts are included below.

When getting free Durango car insurance quotes, it's a good idea to all the companies to apply every possible discount. Some of the discounts discussed earlier may not be available everywhere. To locate car insurance companies that offer some of these discounts in Colorado, follow this link.

Car insurance is not optional in Colorado

Even though it can be expensive, insurance serves an important purpose.

The benefits of buying car insurance definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in Colorado is overpaying over $850 per year so it's recommended you shop around every year to help ensure money is not being wasted.

Detailed coverages of your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.

Since many Colorado drivers have only the minimum liability required by law (which is 25/50/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liability limits.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, scraping a guard rail, damaging your car on a curb, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It's also possible to choose a higher deductible to bring the cost down.

Collision Insurance Claims by Vehicle
Lowest Claims Highest Claims
GMC Canyon BMW 6 Series
Ford F-150 SuperCrew Audi RS7
Nissan Xterra BMW M6
Jeep Wrangler Ferrari 458
Ford Edge Bently Continental GTC
Ford F-250 SuperCab Bently Continental GT

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for nursing services, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-250 SuperCrew Nissan Sentra
Audi A4 Allroad Chevrolet Spark
Tesla Model S Nissan Versa
Chevrolet Corvette Dodge Charger
Chevrolet Silverado 3500 Hyundai Accent

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. Liability doesn't cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/15 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and property damage coverage for $15,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as medical services, funeral expenses, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Colorado requires minimum liability limits of 25/50/15 but you should think about purchasing more liability than the minimum.

Bodily Injury Liability Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Chevrolet Impala
Acura MDX Mitsubishi Mirage
Audi A6 Hyndai Accent
Mercedes-Benz SL Class Dodge Charger
Fiat 500 Mitsubishi Lancer

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a broken windshield, fire damage and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Ford F-350 Bentley Continental GT
Smart ForTwo Maserati Quattroporte
Chevy Silverado 2500 Audi S7
Nissan Leaf Maserati Granturismo
GMC Sierra 2500 BMW M6
Chevy Spark Porsche Panamera GTS

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years