Colorado Auto Insurance

Something as small as a "fender bender" can become a nightmare if you don't have the right Colorado auto insurance coverage. Depending on the accident, you could wind up paying for physical damages to both the person and their car. You may also find yourself in legal trouble if you are caught driving without proper auto insurance coverage, including small or large fines, voiding of your license, and increased Colorado auto insurance rates. Let our insurance specialists get you the best deals by comparing auto insurance rates from different companies in your area. Get start below:

Why should I get Colorado auto insurance?

Every registered vehicle must be insured. If you own a car and you drive it, or allow someone else to drive it without basic no-fault Colorado auto insurance, you can be sued and held personally liable. You may also be convicted of a misdemeanor and fined from $200 to $500, or put in jail for up to one year, or both. The court may also order your license suspended for 30 days or until you are able to provide such proof. In addition, if you don't have Colorado auto insurance you may be held liable for all damages that result from an accident while uninsured.

What Colorado auto insurance coverage do I need?

There are three basic parts to an Colorado auto insurance policy that must be purchased and carried on every vehicle. They are:

Personal Injury Protection (PIP) - Personal injury protection (PIP) pays all necessary medical costs if you are hurt in an auto accident.

Property Protection (PPI) - Property protection (PPI) pays up to $1 million for damage your car does in Colorado to other people’s property, such as buildings and fences.

Residual Bodily Injury and Property Damage Liability Insurance (BI/PD) - Residual bodily injury and property damage liability (BI/PD) pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy. The minimum limits of coverage that everyone must purchase are $20,000 for a person who is hurt or killed in an accident, $40,000 for each accident if several people are hurt or killed, and up to $10,000 for property damage in another state.

Does shopping for better Colorado auto insurance rates work?

YES! We have hundreds of auto insurance companies that are competing against each other to provide the lowest possible rates, broadest coverage, and best possible service. Competition works best, however, when drivers take the time to shop for the lowest Colorado auto insurance rates and coverage that are best for them. There are many reasons why shopping works.

What should I never hear from Colorado insurance companies?

Colorado law makes it illegal for an auto insurance company or an insurance agent to do certain things. You should never hear:

• We don't write insurance policies in that area
• We aren't taking any new customers
• We don't have an insurance agent in your area
• We can't write your Colorado auto insurance unless you insure your home with us