The make and model of vehicle requiring coverage is one of the biggest factors that determines if you can find the most affordable insurance for handicapped drivers. Vehicles with high performance engines, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer models. The information below ranks car insurance costs for a selection of the most affordable automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $1,228 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,245 |
| Toyota Prius | $1,254 |
| Honda Accord LX 4-Dr Sedan | $1,300 |
| Chevrolet Malibu LS | $1,341 |
| GMC Sierra SLE Crew Cab 2WD | $1,348 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,368 |
| Dodge Grand Caravan Crew | $1,375 |
| Honda CR-V EX 2WD | $1,390 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,411 |
| Ford Escape XLT 4WD | $1,424 |
| Nissan Rogue S 2WD | $1,438 |
| Ford F-150 XL Regular Cab 4WD | $1,462 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,469 |
| Hyundai Sonata SE 4-Dr Sedan | $1,508 |
| Hyundai Elantra SE Touring Station Wagon | $1,511 |
| Toyota Tacoma 2WD | $1,513 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in garaging location in Colorado Springs, CO which can change auto insurance rates significantly.
Looking at the numbers, you can presume that makes and models like the Volkswagen Jetta, Jeep Wrangler, Toyota Prius, and Honda Accord are most likely to be the cheapest vehicles to insure for drivers with handicaps.
One of the many criteria that are looked at to determine the cost of insurance is where you keep your vehicle. Cities with larger populations tend to have higher auto insurance costs, whereas more rural areas have the luxury of cheap car insurance rates.
The illustration below ranks the most expensive places in Colorado for handicapped drivers to buy an auto insurance policy in. Colorado Springs is listed at #8 with the yearly price of $1,316 for the average insurance policy, which is approximately $110 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Pueblo | $1,440 |
| 2 | Denver | $1,439 |
| 3 | Aurora | $1,417 |
| 4 | Commerce City | $1,368 |
| 5 | Lakewood | $1,365 |
| 6 | Security-Widefield | $1,330 |
| 7 | Thornton | $1,320 |
| 8 | Colorado Springs | $1,316 |
| 9 | Centennial | $1,304 |
| 10 | Northglenn | $1,303 |
| 11 | Littleton | $1,293 |
| 12 | Ken Caryl | $1,287 |
| 13 | Highlands Ranch | $1,279 |
| 14 | Westminster | $1,272 |
| 15 | Castle Rock | $1,261 |
| 16 | Parker | $1,257 |
| 17 | Arvada | $1,256 |
| 18 | Brighton | $1,247 |
| 19 | Broomfield | $1,215 |
| 20 | Boulder | $1,207 |
| 21 | Grand Junction | $1,166 |
| 22 | Longmont | $1,144 |
| 23 | Greeley | $1,110 |
| 24 | Fort Collins | $1,089 |
| 25 | Loveland | $1,074 |
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Price information shown is estimated as the vehicle garaging location can alter price quotes noticeably.
The illustration below illustrates how your deductible choice can affect yearly insurance costs when searching for cheap insurance for handicapped drivers. The rates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could reduce rates by $366 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $550 by choosing a $1,000 deductible. Younger drivers, like the Age 20 chart data, can cut up to $1,110 or more by choosing a larger deductible amount. When raising deductibles, it is essential to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Picking a high-quality insurance provider is hard considering how many different companies there are to choose from in Colorado. The information listed below could help you select which car insurance providers to look at comparing rate quotes with. The rankings below are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Colorado business are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
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Data Source: Insure.com Best Car Insurance Companies
How much more does full coverage cost?
Reducing premiums for insurance is important to most people, and one of the fastest ways to buy cheaper insurance for handicapped drivers is to only buy liability coverage. The diagram below compares yearly insurance costs with full coverage compared to only the Colorado minimum liability coverage. The price estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.
As an average for all age groups, physical damage coverage on your policy costs an extra $1,967 per year over having just liability coverage. Many people question if you should buy full coverage. There is no definitive formula to stop buying comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
There are a few situations where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Don’t stick with an overpriced policy
Colorado Springs, CO insurance rates are influenced by many factors that can increase the price of coverage. Getting older, getting divorced, or getting a speeding ticket can produce rate changes that can now make some companies affordable when they were higher priced. Not only may things change on your end, but car insurance companies modify pricing at least once a year in order to protect their financial rating. Significantly higher losses may result in rate increases, while profitable underwriting may cause lower-priced Colorado Springs car insurance rates.
The graph below shows the company with the cheapest car insurance in Colorado Springs, CO for a 45-year-old male driver with a good driving record, no prior claims, and great credit. Based on his current rating profile, The Hartford has the lowest car insurance rates in Colorado Springs at $1,028 annually. This is $550 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are also included in the best Colorado Springs, CO auto insurance companies.
The example below compares rates after we give the driver in the first example a couple of claims, a little lower credit rating, and a traffic citation. Because each insurer uses their own formula for determining rates in each state, comparing prices may result in a different list of cheap Colorado Springs auto insurance companies as shown below.
Travelers now has the cheapest auto insurance in Colorado Springs, CO with State Farm, American Family, Grange, and Progressive also being competitive. This example demonstrates why Colorado drivers need to perform an extensive rate comparison to get the lowest insurance rates for handicapped drivers.
Prices are calculated by many factors and change dramatically, so the lowest-price company the last time you shopped your coverage around may now be costing you a lot of money.