Auto Insurance Quotes in Lakewood CO - [Mom Prepared] (2025)

Auto insurance is a necessity for most families, especially those with multiple vehicles and drivers of varying ages. In Lakewood, CO, the Jones family is no exception. With four vehicles and three teenage drivers, they have had their fair share of experiences with auto insurance quotes and coverage options.

Meet the Jones family: John and Sarah, a married couple with three children – 16-year-old Emma, 18-year-old Adam, and 20-year-old Olivia. They live in Lakewood, CO and lead busy lives, shuttling their kids to school, sports practices, and various activities. With each child reaching driving age, the Jones family has had to navigate the world of auto insurance quotes to ensure they have the right coverage at an affordable price.

Their first vehicle is a 2015 Honda Accord, which is primarily driven by John for his daily commute to work. They have full coverage on this vehicle, including liability, collision, and comprehensive coverage. Their monthly premium for the Honda Accord is $150.

Their second vehicle is a 2012 Toyota Camry, which is used by Sarah for running errands and transporting the kids. They also have full coverage on this vehicle, with a monthly premium of $140.

Their third vehicle is a 2010 Ford Explorer, which is shared among the kids for their activities and outings. The Jones family has liability coverage on this vehicle, with a monthly premium of $100.

Their fourth vehicle is a 2018 Jeep Wrangler, which is Emma’s first car. She is a new driver and has a learner’s permit, so the Jones family has added her to their policy with an additional premium of $50 per month.

As the kids have gotten older and started driving, the Jones family has experienced a few driving infractions that have resulted in increased auto insurance rates. Adam was recently pulled over for speeding, which raised their rates by 10%. Olivia was involved in a minor fender bender, resulting in a 15% increase in their premiums. Emma, being a new driver, has had a few close calls with other vehicles, leading to a 20% increase in their rates.

Now, let’s address some common questions about auto insurance in Lakewood, CO:

1. What factors affect auto insurance rates in Lakewood, CO?

Auto insurance rates in Lakewood, CO are influenced by various factors, including the driver’s age, driving record, type of vehicle, coverage options, and location.

2. How can I lower my auto insurance rates in Lakewood, CO?

To lower your auto insurance rates in Lakewood, CO, you can consider raising your deductibles, bundling your policies, maintaining a clean driving record, and taking advantage of discounts offered by insurance companies.

3. What types of coverage are required in Lakewood, CO?

In Lakewood, CO, drivers are required to have liability insurance, which covers bodily injury and property damage in the event of an accident. Additional coverage options, such as collision and comprehensive coverage, are optional but recommended for added protection.

4. Are there any specific auto insurance requirements for teen drivers in Lakewood, CO?

Teen drivers in Lakewood, CO are required to have the same minimum liability coverage as adult drivers. However, insurance companies may offer additional coverage options specifically tailored for teen drivers, such as accident forgiveness or driver training discounts.

5. How does my credit score affect my auto insurance rates in Lakewood, CO?

In Lakewood, CO, insurance companies may use your credit score as a factor in determining your auto insurance rates. A higher credit score can potentially result in lower premiums, while a lower credit score may lead to higher rates.

6. Can I add my teen driver to my policy in Lakewood, CO?

Yes, you can add your teen driver to your auto insurance policy in Lakewood, CO. However, adding a teen driver may increase your rates due to their lack of driving experience and higher risk of accidents.

7. What should I do if I am involved in an accident in Lakewood, CO?

If you are involved in an accident in Lakewood, CO, you should first ensure the safety of all parties involved and contact the police to file a report. You should also notify your insurance company as soon as possible to start the claims process.

8. Are there any specific auto insurance discounts available in Lakewood, CO?

Insurance companies in Lakewood, CO may offer various discounts, such as multi-vehicle discounts, safe driver discounts, and good student discounts. You can inquire with your insurance provider about available discounts to potentially lower your rates.

9. Can I change my auto insurance coverage in Lakewood, CO?

Yes, you can change your auto insurance coverage in Lakewood, CO at any time. You can contact your insurance provider to adjust your coverage options, deductibles, or policy limits to better suit your needs.

10. How does the type of vehicle I drive affect my auto insurance rates in Lakewood, CO?

The type of vehicle you drive can impact your auto insurance rates in Lakewood, CO. Insurance companies consider factors such as the vehicle’s make and model, safety features, and repair costs when calculating your premiums.

11. What is the minimum auto insurance coverage required in Lakewood, CO?

In Lakewood, CO, drivers are required to have minimum liability coverage of 25/50/15, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

12. How can I compare auto insurance quotes in Lakewood, CO?

To compare auto insurance quotes in Lakewood, CO, you can contact multiple insurance companies or use online comparison tools to get quotes from different providers. Be sure to consider the coverage options, premiums, and discounts offered by each insurer before making a decision.