Affordable Car Insurance Auto Insurance in Colorado - Compare Rates




Nicknamed as "Centennial State", Colorado is well-known for its colorful backdrop of mountains, plains, mesas plateaus, rivers, and desert lands. Being in a state with such diversity, driving is obviously fun. And when it comes to driving, you should not forget about your auto insurance.


It is mandatory in almost all states to have coverage with minimum liability limits and State of Colorado is no different. The State law mandates that auto insurers make available Bodily injury and Property damage liability.

1. Bodily Injury Liability (BI) Coverage

Colorado requires limits of $25,000 per person for bodily injury,

$50,000 per accident for bodily injury-commonly expressed as "25/50."

This insurance covers you in case you cause an accident that caused bodily injuries to the third party
It includes
>> Medical bills
>> Loss of income
>> Any pain and suffering
>> Legal defense fees

2. Property Damage Liability (PD) Coverage

Colorado requires a limit of $15,000 per occurrence.

This coverage pays you when you are at-fault and you damage someone else's property. Mostly it covers car, but the coverage can also be used in case of any damage to buildings, utility poles, garage doors, mail boxes and other physical property.

"Med-Pay"

From Jan. 1, 2009 the State law has also included a minimum amount of medial coverage which the insurers must provide regardless of who is at fault. This includes coverage of at least $5000, which includes emergency services costs, ambulances, and doctors.

Although the coverage is mandatory, there is a provision for consumers who do not want med-pay coverage. It can be done so by opting-out in writing or in the same way the policy was purchased. However your insurer must maintain the proof that you rejected the coverage for at least 3 years.

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The insurance providers in the State provide you with additional coverage
>> Comprehensive coverage
>> Collision coverage
>> Uninsured motorist coverage

Comprehensive Coverage covers damage to the car other than accident i.e. fire, theft, natural disaster, impact due to collision with an animal etc.

The additional coverage of Collision provides resources to repair the vehicle, but it does not include medical expenses.

One more option is to have un-insured and under-insured motorist's coverage because there are people who drive with insufficient insurance or with absolutely no insurance. If you are involved in an accident with someone like that bodily injury damages are not covered by your policy unless you have purchased this additional insurance. The amount of this cover must be at least equal to the insured's "bodily injury liability limits" in the primary policy.

In this additional insurance the following people are covered
>> The policy holder
>> Other drivers covered by the policy
>> Passengers, (if they own an insured vehicle that is NOT involved in the accident, but which carries uninsured motorist coverage).

It is not only essential that you purchase the mandatory insurance but also understand what is essential for your safety and the safety of those around you.

Accidents hurt - safety doesn't.

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