Cheap Car Insurance Info

Cheap Auto Insurance Colorado CO


Cheap Auto Insurance Colorado CO

Locating an Affordable Car Insurance


Here's How to Locate Cheap Auto Insurance Colorado

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:


1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528 - this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.


The Newbie Mistake That Can Cost You Dearly

The number one mistake made by folks who seek Cheap Auto Insurance in Colorado is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.

The single most critical factor in getting a cheaper car insurance rate is shopping around for as many quotes as you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.

Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.

Now, usually shopping around for five quotes can be a tedious and time consuming task, but we will make it here much easier for you.

We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

1. Insurance Hits - May save you hundreds on your car insurance. This free service filters out the more expensive insurers and provides you with one or more companies that offer the cheapest auto insurance rates for your specific location. Simply enter in your zip code and get free quotes from providers in your local area that offer the best rates.

Zip Code:

2. Best-Quotes - Call them (toll-free) at (855) 981-7528- this is a free by phone service that provides multiple company insurance rates specific to your location, see how companies compete for your business. Offers great rates from quality insurers.

insuring your vehicle

Colorado Car Insurance

In Colorado, car insurance is mandatory for all drivers. Auto insurance regulations are enforced by the Colorado Department of Regulatory Agencies, Division of Insurance.

Until 2003, Colorado was a “no-fault” state, but changed the law in order to help reduce the cost of insurance premiums and help prevent claims abuses.

Colorado car insurance now operates as a tort system, meaning that fault must be established before an insurance company will pay a claim.

Required Car Insurance

Colorado drivers must have liability insurance, which covers only the other car and/or driver when an accident is your fault.

Colorado drivers must have liability coverage at the following minimums:

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

All other car insurance is optional.

Optional Car Insurance

Colorado auto insurance providers also offer a variety of optional coverage types:

  • Collision coverage: Helps cover damages to your car caused by hitting other objects, including another car.
  • Comprehensive coverage: Covers damages to your car caused by non-accident-related incidents or factors, such as theft, extreme weather, and wildlife.
  • Medical payment (“med pay”) coverage: Must be offered as part of any Colorado car insurance policy.
    • It is offered in increments of $1,000 towards accidental injuries.
    • You can opt out of med-pay coverage or purchase higher coverage limits if offered by your car insurance company.
  • Uninsured/underinsured motorist coverage: Helps cover expenses if you are involved in an accident with a driver who has no insurance or too little insurance.
  • Rental car coverage.
  • Loan/lease gap coverage.
  • Roadside assistance/towing coverage.

NOTE: Finance and leasing vendors require you to have collision and comprehensive car insurance on any financed vehicle.

CO Car Insurance & Registration

The Colorado Division of Motor Vehicles (DMV) requires you to show proof of auto insurance to register your car or renew your registration.

The DMV will accept any of the following as proof of insurance:

  • Insurance card.
  • Copy of car insurance policy.
  • Printout or fax of insurance policy.
  • Image of auto insurance card on a cellular phone.
  • E-mail from insurer.

NOTE: Failure to register your vehicle can lead to penalties or fines.

Violations of CO Car Insurance Laws

Colorado imposes various penalties for violations of insurance laws such as failure to provide proof of insurance during a stop or failure to purchase the minimum required insurance. Read below to learn about the specific penalties.

Failure to Hold Insurance

Failure to have minimum liability insurance results in the following penalties and fines:

  • 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.

Not only do you risk fines and penalties if you do not have minimum liability insurance, but you are also likely to have much higher rates when you re-apply for insurance after letting it lapse.

Always keep at least the required insurance minimums to ensure low-cost insurance rates long-term.

Failing to Carry Proof of Insurance

You must show proof of car insurance if you are stopped by a police officer or if you are involved in a traffic accident.

If you can’t show proof of insurance during a stop, the officer can check the Colorado car insurance database to see if you have valid insurance. However, even if you have insurance, you may still be issued a ticket for failing to carry proof.

SR-22

You may be legally required to file an SR-22 form (also known as SR22 insurance) from your insurance provider if your license:

  • Has been suspended (or is in danger of suspension).
  • Has been revoked.

SR-22 requirements vary by type of offense and number of offenses and may be required for a specific period of time.

An SR-22 is not insurance; rather, it is a certification filed by your insurance company stating that you will maintain the minimum liability insurance for a predetermined amount of time.

Failure to maintain your insurance policy with a current SR-22 will result in another suspension of your driver’s license. Essentially, the insurance company notifies the DMV that you are no longer keeping your SR-22 current and the DMV penalizes you.

If you decide that you want a new insurance provider, you have to get your new agent to file an SR-22 BEFORE canceling your current policy and SR-22.

Alternative Insurance for High-Risk Drivers

If you’ve had certain traffic violations, you may be deemed a “high-risk driver” by insurance companies. If you are having a hard time finding an insurance carrier because of this status, you do have options.

Colorado participates in the Western Association of Automobile Insurance Plans (WAAIP), which helps high-risk drivers find car insurance.

Under the Colorado Motor Vehicle Insurance Plan, high-risk drivers are insured by a specific company found through WAAIP, but the risk is shared among all insurance companies operating in CO.

To seek coverage through WAAIP, ask an insurance agent to help you apply.

Policies obtained through the WAAIP tend to have much higher rates, so it’s a good idea to shop around for car insurance quotes from multiple companies through the standard market before choosing this route.

Insurance Fraud

Insurance fraud can be committed by anyone and can take many forms, including:

  • False claims.
  • Forged proof of insurance or other documents.
  • Business performed by unlicensed insurance agents or brokers.

If you suspect an individual or business of auto insurance fraud, you can file a complaint with the National Association of Insurance Commissioners (NAIC), which will submit your report to your state agency through an online fraud reporting system.

Car insurance fraud costs insurance companies money and can lead to higher rates for all consumers, so it is important to report suspected fraud.

Insurance Questions

If you have a question about a car insurance policy, claim, or provider, you can contact the Colorado Division of Insurance:

  • By phone at (303) 894-7490.
  • By e-mail to insurance@dora.state.co.us.
  • By completing the Online Request for Assistance.

The Division of Insurance can answer your questions about car insurance policies, consumer rights, and car insurance agents.

Determining Your Car Insurance Rate

Colorado auto insurance rates are based on several factors, including your credit report.

Car insurance companies can also use your:

  • Driving history.
  • Age & gender.
  • Marital status.
  • Neighborhood or city’s safety.
  • Car make and model.

Points on your driver’s license for traffic violations, including DUI and DWI violations, can raise your insurance rates.

Discounts on Colorado Car Insurance

Many CO car insurance companies offer discounts to drivers to help you save money on your rates.

Savings and availability may vary by agent and can include rate discounts for:

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

Since most Colorado auto insurance companies offer discounts for safe driving and driver education, the best way to get the cheapest car insurance rate is to follow the rules of the road and maintain at least the minimum required coverage at all times.

Most Cars Stolen in Colorado 

Driving a car that is known to be a target for theft can increase your car insurance rates.

The following is a list of the most stolen cars in Colorado for 2013, according to www.nicb.org:

  1. Honda Accord.
  2. Honda Civic.
  3. Ford Pickup (Full Size).
  4. Jeep Cherokee/Grand Cherokee.
  5. Chevrolet Pickup (Full Size).
  6. Toyota Camry.
  7. Dodge Pickup (Full Size).
  8. Acura Integra.
  9. Ford Explorer.
  10. Chevrolet Pickup (Small Size). 

What Car Insurance Companies Don't Want You to Know - Application Form Secrets

Upon requesting a quote from an insurance provider you will be presented with an application form and be asked a series of questions regarding your driving history, accident reports, family situation, etc., now, the answers you give to these questions will be the determent of your premium rate. Based on extensive research we will now reveal to you what is hidden behind each of the questions so that you will be able to maximize your chances of getting a cheaper quote.
Where you Live, Where You Park
The price that you pay will be affected by where you garage and drive your car. Applications include a question that asks for the address where the vehicle will be garaged. From this information insurers can tell a great deal about your risk of financial loss. For example, Insurers know from their claims experience that more claims are made from city areas than country areas (busy traffic, thefts, vandalism, etc.). Thus, drivers in heavily populated areas often pay more than rural. Note that two adjacent zip codes may sometime produce a substantially different insurance rates, this may be a consideration when you are planning to buy a new home and are looking at several nearby locations.
Other Drivers in Your Household
The ages and driving records of other drivers in your household will likely affect your premium. If you have young drivers that are covered by your policy, your premium will increase whether or not they ever or rarely drive your vehicle.
What can you do? well, if there are other drivers in your house that have their own vehicle and insurance and are not directly related to you, than in most cases they are not required to be covered by your policy. Another thing, if you have in your household a high risk driver, you can simply exclude him from your policy, this will make your policy much cheaper but naturally will also exclude him from driving your car.
Note that agents are sometimes reluctant to exclude drivers in your household from your coverage so you will need to be firm here. Note also that some states does not allow exclusions of household drivers.
What can you do to decrease your premium when you have a young driver in your family? make sure the youngster completes a driver's training course and if possible also the defensive driver course, this two in addition to being a good student can sometimes shave a nice chunk off your premium.
Will the Car be Used for Business?
Indicating that your vehicle will be used for business purposes will substantially increase your rate. Some insurance companies will even refuse to insure you once you indicated a commercial use of the vehicle. The important thing to know here is what is considered "business use", commuting to work and back is not a business use, delivering newspapers is business use.
Age, Make and Model of the Car
Car insurance rates are greatly influenced by your car's age, make, model and value. Certain makes and models of cars are considered to be causing greater levels of bodily injury when involved in an accident; sustain greater levels of damage; and, are more difficult and costly to repair. Insurance providers charge a higher premium for a car that displays such characteristics. Conclusion: when considering a car to buy you should also take in consideration the cost of insuring it.
Annual Mileage
On the application you will be asked about how often and how far you drive; higher annual mileage generally means higher premiums - this is applicable in most states. The insurer will in most cases count here on your statement unless you indicate a very low mileage.
Your Driving Records
Your driving history for the past three years; including moving violations, claims and accidents you have been involved in will substantially influence your insurance cost. Once your driving record is less than perfect, you will be considered a higher risk and will pay a higher premium. However, different companies rate various violations differently, thus it pays to shop around for the company that will provide you with the most favorable rate based on your specific situation record.
Note that insurance companies usually report your claims to a nationwide database that in return share this knowledge with most insurance providers. Your insurance company may use this data to verify your indication on the application form and the information you've submitted in the past.
Do You Own or Rent Your Home?
Sometimes you can get a discount if you own your house as opposed to renting it. Yep, insurance companies consider renters a greater risk than owners.
Prior Insurance Coverage
Most insurance companies will ask about your insurance history, that includes whether you currently have coverage or whether you have been cancelled or non-renewed in the past. Note that Insurers consider lapses in insurance coverage a greater risk and may increase your premium on this count.
Gender and Age
According to insurance industry statistics, males and young adults have a higher incidence of accidents; therefore, your gender and age will impact your rate. Rates generally decrease at age 25 and may increase as you approach age 65.
Marital Status
Insurance companies believe that married people have a lower incidence of accidents and claims, thus if you are married you will in most cases pay a somewhat lower premium than a single individual.
Credit History
Some companies may review your credit history when determining your premium. Factors like bankruptcies, late payments and the number of credit cards you have may result in a higher premium.
Is the Vehicle Leased?
Leasing a car may result in an extra insurance cost. Why? because leasing companies usually require that you get a high level of insurance coverage - higher than you may have in mind for a car you would own.

How to Get Discounts

Most insurance companies offer various types of discounts. You need to actively ask the agent if there’s any discount that can apply to you, or better off, ask him for a list of all their discounts.
Here's a list of items that may qualify you for a discount (The discounts listed may not be available in all states or from all insurance companies):
Protection devices such as airbags, anti-lock brakes and anti-theft devices.
Insuring your auto and your home with the same insurance company.
College students away from Home.
Taking a defensive driving course, particularly if you’re 55 or older.
Drivers education courses for young drivers (submit proof that any young drivers have completed a driver education course which meets the standards set by the National Conference of Driver Education)
Good Credit Record
Higher deductibles
Low Annual Mileage
Long-Time Customer
Insuring multiple vehicles with the same insurance company.
No accidents in 3 Years
No moving violations in 3 years
Student drivers with good grades
Being a member of an organization or working for certain employers.
Mature driver between 50 and 65.
Remember, the key to savings is not the discounts, but the final price. A company that offers few discounts may still have a lower overall price.

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Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for low cost quotes. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.

The purpose of this article is to show you how to save on your policy premium costs and obtain really cheap policy price offers from the best rated and best value insurers. Now note that your rate can differ based on several factors. For example, the following personal factors can negatively affect your rate: first car for teens girls and boys, young driver, new drivers, over 60, under 21, learner drivers, teenagers, 17 year olds, young persons, high risk, under 25, drink drivers, young people, business car (any driver), young persons, 1st for women, business car insurance (any driver) and convicted drivers.

While other factors can allow for more affordable quotes, these include: over 50, college student, military, ladies, second car, renew current policy, low mileage, dual car, group family, joint drivers, 2nd car, limited mileage, multiple car and renewal.

There are some non-regular coverages that may not be available from every broker and agency, these may include: BMW vintage, pay as you go premium payments, high performance and racing autos, temporary European vehicles quotes, third party temp cover, antique or classic car, non owner 4x4 rental, no deposit required or agreed value low deposit.

You may also be interested in a non-regular term, these may include: pay monthly, for a day, for 6 month, weekend, monthly, weekly, short term, temp or 1 month - for those you'll need to locate specializing agencies or brokers. As for discounts for low income car owners, unfortunately most USA insurers will not provide low income men or women with special cheep or discounted car insurances rates. You can further lower your costs by limiting your cover to just liability rather than comprehensive, however this is not recommended. To summarize, taking advantage of the knowledge provided in this article can substantially reduce your average carinsurance costs.

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