Enter your ZIP code:

Colorado Auto Insurance

With myriad auto insurers vying for your business, it's difficult to know where to turn. You want non-biased information about which Colorado auto insurance is right for you, and you want it from a company you can trust.

 

At InsureMe, we have been helping Coloradoans shop for auto insurance since 1993, and we want to add you to our long list of satisfied consumers. So provide us with some information, and we'll get you up to five free quotes.

 

Fill out our form and get rollin' today!

 

What You Need

 

In July 2003, Colorado switched from a no-fault insurance system to a tort system.

Previously, medical expenses resulting from an accident were covered no matter who was at fault, causing premiums to be much higher. But currently, the negligent person foots the bill for injuries and damages, making it even more important than ever to protect yourself with adequate Colorado auto insurance.

 

Below are the main types of personal Colorado auto insurance available.

  • Bodily Injury Liability: This provides coverage for bodily injury you cause to another while driving. Minimums of 25,000 per person and $50,000 per accident are mandatory in Colorado.
  • Property Damage Liability: This provides coverage for damage you cause to someone's property while driving and has a minimum of $15,000 per accident in Colorado.
  • Uninsured/Underinsured Motorist Coverage: This coverage protects you and the occupants of your vehicle should you or they sustain an injury when another party with insufficient or no insurance is at fault. This type of Colorado auto insurance is optional. However, 34 percent of Colorado drivers are uninsured. In most cases refusing uninsured/underinsured motorist coverage saves you a negligible amount compared to the protection it offers in the event of an accident.
  • Medical Payments: Under the tort system, medical payment coverage provides benefits for you and injured passengers in your vehicle regardless of fault. Insurers aren't required to offer this coverage, but those who do usually have limits between $5,000 and $25,000 per accident.
  • Collision: Regardless who is at fault, this type of Colorado auto insurance covers damage to your car caused by collision with another vehicle.
  • Comprehensive: If your car is damaged through theft, fire, vandalism, hail, falling objects or collision with an animal, comprehensive coverage pays to repair the physical damage to your vehicle.

Colorado Auto Insurance Rating

How much you pay in premiums is determined by several factors. Some, like gender and age, are beyond your control, but others you may be able to adjust to favorable rating.

  • Amount and Type: The lower your payout limits and less inclusive your coverage, the less you pay in Colorado auto insurance premiums.
  • Driving record:  A clean driving record results in lower premiums.
  • Age, sex and marital status: Although it doesn't seem fair, statistics prove certain demographical segments have more accidents and violations, which cause those groups to have higher premiums. For example, young, single male drivers usually pay the most.
  • Location: Common sense tells us the more people, the more accidents. So those residing in metropolitan areas pay more for Colorado auto insurance than those in rural ones.
  • Your ride: Because some cars cost less to fix, individuals with those cars generally pay less for Colorado auto insurance.
  • How much you use it: This one is simple: drive less = pay less.
  • Credit history: A good credit history may favorably affect your premium rate.

Bargain Shopping

The following are a few ways to become a "better risk" for insurance companies and consequently receive lower premium ratings.

  • Multiple Vehicles: The more the merrier! If you insure more than one car with the same Colorado insurance company, they usually offer a discount. It is less risky for insurers to underwrite an individual with whom they have a previous relationship.
  • Good Student: Good grades will not only get you into college, but may reduce your insurance to boot. To insurance companies, responsible students = responsible drivers.
  • Safety First: Insurers often offer discounts for safety devices such as air bags, anti-lock brakes and automatic seatbelts, as well as anti-theft devices that prevent theft or vandalism.

Remember the more informed you become, the easier it is to find the right Colorado auto insurance. InsureMe can help you become knowledgeable by finding you up to five free quotes today. Take the first step to getting insured right now!


Free Auto Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10914
101 Wyoming Auto Insurance youcomparequotes 10811
100 Wisconsin Car Insurance youcomparequotes 10436
99 Wisconsin Auto Insurance youcomparequotes 10519
98 West Virginia Car Insurance youcomparequotes 11437
97 West Virgina Auto Insurance youcomparequotes 10383
96 Washington, D.C. Car Insurance youcomparequotes 12037
95 Washington, D.C. Auto Insurance youcomparequotes 11066
94 Washington Car Insurance Quotes youcomparequotes 11547
93 Washington Auto Insurance Quotes youcomparequotes 11211
92 Virginia Car Insurance youcomparequotes 10878
91 Virginia Auto Insurance Quotes youcomparequotes 10891
90 Vermont Car Insurance youcomparequotes 13126
89 Vermont Auto Insurance youcomparequotes 10163
88 Utah Car Insurance youcomparequotes 10822
87 Utah Auto Insurance youcomparequotes 10626
86 Texas Car Insurance Quotes youcomparequotes 10849
85 Texas Auto Insurance Quotes youcomparequotes 10847
84 Tennessee Car Insurance youcomparequotes 10456
83 Tennessee Auto Insurance youcomparequotes 11030
82 South Dakota Car Insurance youcomparequotes 10692
81 South Dakota Auto Insurance youcomparequotes 9968
80 South Carolina Car Insurance youcomparequotes 10887
79 South Carolina Auto Insurance youcomparequotes 10764
78 Rhode Island Car Insurance youcomparequotes 10240
77 Rhode Island Auto Insurance youcomparequotes 10613
76 Pennsylvania Car Insurance Quotes youcomparequotes 10942
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11443
74 Oregon Car Insurance Quotes youcomparequotes 11098
73 Oregon Auto Insurance Quotes youcomparequotes 10753
72 Oklahoma Car Insurance youcomparequotes 10801
71 Oklahoma Auto Insurance youcomparequotes 10772
70 Ohio Car Insurance Quotes youcomparequotes 10503
69 Ohio Auto Insurance Quotes youcomparequotes 10428
68 North Dakota Car Insurance youcomparequotes 10509
67 North Dakota Auto Insurance youcomparequotes 10905
66 North Carolina Car Insurance youcomparequotes 14211
65 North Carolina Auto Insurance youcomparequotes 11193
64 New York Car Insurance Quotes youcomparequotes 10427
63 New York Auto Insurance Quotes youcomparequotes 11408
62 New Mexico Car Insurance youcomparequotes 9883
61 New Mexico Auto Insurance youcomparequotes 10002
60 New Jersey Car Insurance youcomparequotes 10231
59 New Jersey Auto Insurance youcomparequotes 10370
58 New Hampshire Car Insurance youcomparequotes 11282
57 New Hampshire Auto Insurance youcomparequotes 10895
56 Nevada Car Insurance youcomparequotes 10605
55 Nevada Auto Insurance youcomparequotes 10638
54 Nebraska Car Insurance youcomparequotes 10299
53 Nebraska Auto Insurance youcomparequotes 11264
52 Montana Car Insurance youcomparequotes 10324
51 Montana Auto Insurance youcomparequotes 10466
50 Missouri Car Insurance youcomparequotes 10624
49 Missouri Auto Insurance youcomparequotes 10522
48 Mississippi Car Insurance youcomparequotes 10934
47 Mississippi Auto Insurance youcomparequotes 10841
46 Minnesota Car Insurance Quotes youcomparequotes 11070
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11175
44 Michigan Car Insurance youcomparequotes 10258
43 Michigan Auto Insurance youcomparequotes 9988
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17297
41 Massachusetts Auto Insurance Reform youcomparequotes 11075
40 Maryland Car Insurance youcomparequotes 11281
39 Maryland Auto Insurance youcomparequotes 11299
38 Maine Auto Insurance youcomparequotes 10949
37 Louisiana Car Insurance youcomparequotes 11248
36 Louisiana Auto Insurance youcomparequotes 10597
35 Kentucky Car Insurance youcomparequotes 10698
34 Kentucky Auto Insurance youcomparequotes 10415
33 Kansas Car Insurance youcomparequotes 10239
32 Kansas Auto Insurance youcomparequotes 10669
31 Iowa Car Insurance youcomparequotes 10531
30 Iowa Auto Insurance youcomparequotes 10546
29 Indiana Car Insurance youcomparequotes 10500
28 Indiana Auto Insurance youcomparequotes 10465
27 Illinois Car Insurance youcomparequotes 10482
26 Illinois Auto Insurance youcomparequotes 10128
25 Idaho Car Insurance youcomparequotes 10351
24 Idaho Auto Insurance youcomparequotes 10436
23 Hawaii Car Insurance youcomparequotes 10783
22 Hawaii Auto Insurance youcomparequotes 10870
21 Georgia Car Insurance youcomparequotes 10090
20 Georgia Auto Insurance Quotes youcomparequotes 10984
19 Florida Car Insurance Quotes youcomparequotes 12484
18 Florida Auto Insurance Quotes youcomparequotes 10425
17 Find Maine Car Insurance youcomparequotes 10392
16 Delaware Car Insurance youcomparequotes 10683
15 Delaware Auto Insurance youcomparequotes 10561
14 Connecticut Car Insurance youcomparequotes 10478
13 Connecticut Auto Insurance youcomparequotes 10305
12 Colorado Car Insurance Quotes youcomparequotes 10489
» Colorado Auto Insurance youcomparequotes 10042
10 California Car Insurance Quotes youcomparequotes 10985
9 California Auto Insurance Quotes youcomparequotes 11127
8 Arkansas Car Insurance youcomparequotes 11342
7 Arkansas Auto Insurance youcomparequotes 10662
6 Arizona Car Insurance Quotes youcomparequotes 10616
5 Arizona Auto Insurance youcomparequotes 11051
4 Alaska Car Insurance youcomparequotes 10801
3 Alaska Auto Insurance youcomparequotes 11591
2 Alabama Car Insurance youcomparequotes 10270
1 Alabama Auto Insurance youcomparequotes 10773
XE Login