Comparing Colorado car insurance options is important in choosing the right coverage for your needs. Getting minimum coverage is effective enough, but you can actually get more coverage for just a little more money.
Higher coverage is worth checking into, and with nearly 100 insurance providers to choose from, you can easily make the most of your decision.
Be sure to shop around and compare CO car insurance quotes online from many top companies. Enter your zip in to get a free car insurance comparison today!
Top Colorado Car Insurance Companies
The top 5 auto insurance companies in the nation offer car insurance in Colorado, along with many local providers. The top 5 Colorado auto insurance companies include:
Colorado Car Insurance Minimum Coverage
State law in Colorado requires drivers to have car insurance limits of 25/50/15. In plain English, that translates to:
- $25,000 per person injury coverage
- $50,000 per accident injury coverage
- $15,000 property damage coverage per accident
That’s not a lot of coverage in the grand scheme of things. Just imagine if you’re involved and cited for a three-car accident. The property damage totals $26,000 and the total injury amount for the accident is $78,000. That’s $39,000 that you aren’t covered for, and you had better bet that the other parties will contemplate a lawsuit because you were underinsured. Get more coverage when you can.
Colorado Car Insurance Rates
You cannot predict what CO car insurance rates will be like without CO car insurance quotes. Too many people think they can get an ‘estimate’ or ‘average’ of what they will pay, but there are too many individual factors that influence your rates.
Apply for quotes with a few companies to compare the coverage that you can get. Be sure to get quotes for higher limits so that you can see what the best coverage is for the money.
Car insurance rates are calculated based on: driving record, age, sex, location, length of licensure, vehicle specifications, and other factors.
Colorado Car Insurance Discounts
You can get discounts on your Colorado car insurance in some instances. Depending on the companies that you apply with and the available discounts, you might see things like:
- Safe driver discounts
- Good student discounts
- Safe vehicle discounts
- Loyalty discounts (for being with a company for many years)
- Multi-car or multi-policy discounts (for having multiple vehicles or policies with one provider)
- New car discounts
- Eco-friendly discounts
- Retired/Senior discounts
Make sure that you ask about these discounts, because some companies will not automatically include them in your Colorado car insurance quote. Tell them about yourself and ask for discounts when they are applicable because you will save a significant amount of money with them.
Colorado Car Insurance Quotes
Enter your zip to start comparing CO auto insurance quotes now!