Colorado Auto Insurance

With Colorado’s winding mountain roads and super fast highways, having auto insurance is a must, even if it wasn’t required by state law.  The minimums for Colorado auto liability insurance are $25,000 for bodily injury for an individual and $50,000 per accident, plus $15,000 for property damage liability.  Colorado also allows a single limit liability policy of $65,000.

Colorado once ranked highest in the nation for the number of uninsured motorists on the road; now a computerized system available to police has helped to improve that ranking, but uninsured motorist coverage is still strongly recommended.  The state changed the laws on medical coverage in 2003, requiring each individual to initially pay for their own medical bills, so most people carry at least $25,000 in medical payments coverage as well.  (If you have health insurance, this will usually pay for initial treatment, but check with your health insurance provider.)

Adults over 55 enjoy a great break on Colorado senior auto insurance because the state requires insurance providers to give a discount to anyone completing a DMV approved driving course, such as the ones taught by AARP.  The discount is good for three years.

Make sure to pay your insurance premiums on time if you live in Colorado – there’s no grace period for late payments.  Non-payment is also one of the few approved reasons for cancellation of a Colorado auto insurance policy.

There are many factors which affect the quotes you’ll receive for car insurance in Colorado, plus a bunch of ways to save money on your policy.  Make sure you know them all before you start shopping for auto insurance in Colorado.