CAR INSURANCE QUOTES COLORADO

CAR INSURANCE QUOTES COLORADO

  11:07 AM    Anonymous

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We know you're used to living at elevated altitudes, Centennial State residents, but that doesn't mean your car insurance premiums should be so high they're snowcapped.In fact, Esurance offers some of the most competitive auto insurance rates in Colorado, along with 24/7 customer service and flexible online policy management.Break the ice and get to know us by starting a free Colorado car insurance quote. You'll gain instant access to our interactive online tools that make the car insurance process transparent, more affordable, and easy to understand.car insurance coverages in coloradoRequired coveragesColorado requires its drivers to carry liability insurance with at least the following limits:$25,000 bodily injury liability coverage per person$50,000 bodily injury liability coverage per accident$15,000 property damage liability coverage per accidentYou'll often see these numbers written as 25/50/15. You can choose higher limits to have more coverage when you customize your policy.Optional coveragesThese additional coverages provide you with the extra peace of mind and security you need, while giving you increased financial protection in the event of a claim:CarMatch Rental Coverage®Collision coverageComprehensive coverageCustom parts and equipment coverageLoan/lease gap coverageMedical and funeral service coverageTowing and labor coverageUninsured motorist bodily injury coverageUninsured motorist property damage coveragehow we calculate your colorado premiumColorado car insurance companies (like Esurance) can use the following factors to determine your car insurance rates:The coverages, limits, and deductibles that you choose for your policyAccidents and violations within the past 3 to 5 yearsMarital status, gender, age, and number of years licensedZIP Code where the vehicle is garaged or parkedYour vehicle's year, make, model, and conditionPrior insurance history, including number of years insured continuouslyinsurance facts and infoProof of insurance in ColoradoWe're all human: sometimes we forget to throw our updated ID cards in the glove box. But if you get pulled over, you're not out of luck: Colorado allows drivers to provide electronic proof of car insurance on their smartphones and other devices as appropriate evidence of coverage.Even better, if you're an Esurance customer, you can access our free mobile app 24/7 for your ID cards, policy documents, and more.Failure to provide proof of coverage upon request can result in a 4-point penalty on your driving record, as well as a fine.Uninsured drivers in ColoradoA report from the Insurance Research Council found that 15 percent of Colorado drivers were uninsured in 2009, which was above the national average of 13.8 percent.While uninsured and underinsured motorists coverage is optional in your state, it provides financial protection if you're ever in an accident caused by an uninsured or underinsured driver, and it also protects you in the event of a hit-and-run accident.car repair shops in coloradoAs an Esurance customer, you can take your damaged car to any body shop. But if you choose a shop in our E-star® network, you can take advantage of RepairView® online repair monitoring and have your repairs guaranteed for as long as the car is yours.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.Colorado Car Insurance – Before You Start Driving HereWhether you're hitting the slopes or heading to the office, make sure you have valid Colorado car insurance when you drive in the Centennial State. Drivers who fail to show proof of insurance can face penalties upwards of $500, points added to their driving record, and in some cases suspended licenses and community service hours. Drivers are also required to show proof of insurance to the Colorado Bureau of Motor Vehicles in order to register vehicles. If you need car insurance or want to switch companies, you can get Colorado car insurance quotes online.Ski Rack Requirements In ColoradoThere are laws on vehicle height and driver visibility that could cause you to be pulled over by the police. When fastening skis and other equipment to the roof, drivers need to make sure there's no visual obstruction, like ski tips that could block the driver's view through any of the vehicle's windshields or windows. If you place a ski rack on a tall vehicle, like an SUV or van, take notice that the rack does exceed the state's maximum allowable height of 13 feet. Violations are subject to fines and surcharges.Colorado Auto Insurance Minimum RequirementsVehicle owners driving on Colorado roads are required to have at least the following minimum limits on their insurance policy:Bodily Injury: $25,000 per person, $50,000 per accidentProperty Damage: $15,000 per accidentUninsured Motorist: $25,000 per person, $50,000 per accident*Medical Payments: $5,000 per accident**Uninsured Motorist and Medical Payments can be rejected by signing an option form.There are additional optional coverages that you may carry to better protect yourself and your vehicles. A GEICO insurance counselor can assist you in choosing the best coverage for your needs.Colorado Teen Driver Licensing ProcessFor Colorado teens who want to get their license on their 16th birthday, they'll need to start driver's education before age 15. Colorado requires teens to have held a learner's permit for at least 12 months before applying for a Colorado driver's license. Colorado law prohibits drivers under 18 years of age from using a cell or mobile phone while driving unless it is to contact the police, fire department or it is an emergency. Drivers 18 and older may not use a cell or mobile telephone for text messaging while driving unless it is to contact the police, fire department or it is an emergency.The process for obtaining a driver’s license varies depends on the driver's age:If you start at or before age 15 and 6 months, you must complete a 30-hour driver's education course before you can apply for a learner's permit (minimum age 15). Permit holders who have logged 50 hours driving time, completed a 6 hour behind-the-wheel training course, and have held their permit for at least 12 months can then apply for a driver's license.If you start between age 15 and 6 months up to age 16, you can either complete a 30-hour driver's education course or a 4-hour classroom driver awareness program to be eligible for a learner's permit. Permit holders who have logged 50 hours driving time (plus 6 hours behind-the-wheel training if you are younger than 16 years and 6 months when you apply for a license) and who have held their permit for at least 12 months can then apply for a driver's license.If you start at age 16 or 17, there are no prior driver’s education requirements before being eligible to apply for a learner's permit. Permit holders who have logged 50 hours driving time and who have held their permit for at least 12 months can then apply for a driver's license. Additional 6 hours behind-the-wheel training is optional.For the first year licensed, driving is prohibited between midnight and 5 a.m. unless accompanied by an instructor, parent or legal guardian.