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Colorado Car Insurance

 

Just like most other states, Car Insurance is mandatory in Colorado. Up to 2003, Colorado was a “no-fault” state. This meant that, even if you’re not at fault, your Auto Insurance provider will still hold you financially responsible. After 2003, Colorado changed the law in order to decrease the cost of premiums and help to help thwart claim abuse.

Colorado now operates on a tort system. When a state uses the tort system, fault for an accident must be determined before a claim is processed.Colorado road traffic - Four Corners Insurance

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Colorado Car Insurance

All drivers in Colorado are required to have at least Liability Insurance on their Colorado Car Insurance policy. Liability Insurance covers the other driver/person if you are at-fault for an accident.

The minimums for Colorado Car Insurance are as follows:

  • $25,000per person for bodily injury.
  • $50,000per accident for bodily injury.
  • $15,000 per accident forproperty damage.

 

Colorado Car Insurance Coverage Options

Along with liability insurance, there are tons of other Colorado Car Insurance coverage options available for you to enhance the protection on your policy. Some others options available for your Colorado Car Insurance policy include:

  • Collision coverage
  • Comprehensive coverage
  • Medical payment coverage
  • Uninsured/underinsured motorist coverage
  • Rental car coverage
  • Loan/lease gap coverage
  • Roadside assistance/towing coverage

 

Violation of Colorado Car Insurance Laws

If you do fail to purchase Colorado Auto Insurance, you may be faced with penalties. Below are some of the fines you can receive for not having minimum liability insurance:

  • 4 points on your driver's license.
  • $500 minimum fine.
  • License suspension.
  • For the first offense, it will be suspended until you can show proof of insurance.
  • For additional offenses, it will be suspended for up to 8 months.
  • Required community service.

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Failing to have Colorado Car Insurance can also cause your rates to increase when purchasing a policy.

 

Colorado Insurance for High-Risk Drivers

Colorado town - Four Corners InsuranceIf you have a lot of tickets or accidents on your driving record, insurance providers may consider you a “high-risk” driver. This may make it difficult to find Colorado Car Insurance.

To aid “high-risk” drivers in finding insurance, Colorado participates in the Western Association of Automobile Insurance Plans (WAAIP). To learn more about WAAIP in Colorado, contact one of our skilled agents at 1-800-771-7758.

 

Colorado Car Insurance Discounts

There are many opportunities to save on Colorado Car Insurance when you choose a policy. Many providers offer a range of discounts, delivering you the best results on Colorado Car Insurance.

  • Driver education or training
  • Good or safe driver history
  • Good student record
  • Vehicle safety
  • Multiple policies

 

Get Colorado Car Insurance

If you’re in need of Colorado Car Insurance, don’t hesitate to contact a reliable agent. SkyBlue Insurance is an authorized representative for some of the leading providers of Colorado Car Insurance. We have a great quote system that can deliver you multiple results at once. If you want to get Colorado Car Insurance, give us a call at 1-800-771-7758. You can also try out our quote system and request a free Colorado Car Insurance quote for instant results!

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