Colorado Car Insurance – Before You Start Driving Here

Ski Rack Requirements In Colorado

Colorado Auto Insurance Minimum Requirements

Colorado Teen Driver Licensing Process

• 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.colorado car insurance quotes
• 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.colorado car insurance quotes

Colorado Car Insurance

Required Car Insurance,Car Insurance Quotes Colorado

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

Optional Car Insurance

• 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.More detail for Car Insurance Quotes Colorado.
  • 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.

CO Car Insurance & Registration Car Insurance Quotes Colorado

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

Violations of CO Car Insurance Laws

Failure to Hold Insurance

• 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.

Failing to Carry Proof of Insurance

SR-22

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• Has been revoked.

Car Insurance Quotes Colorado

Alternative Insurance for High-Risk Drivers

Insurance Fraud

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

Insurance Questions

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

Determining Your Car Insurance Rate

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

Discounts on Colorado Car Insurance

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

Most Cars Stolen in Colorado 

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). 

Colorado auto insurance coverage options

• Liability
• Comprehensive
• Collision
• Uninsured/underinsured motorist
• Med-pay
• Accident forgiveness
• Towing and labor
• Loss of use
• Loan/lease coverage

Colorado auto insurance discount options

• Multi-policy
• Accident free
• Multi-vehicle
• Advance quote
• Prior carrier
• Good student
• Senior driver
• Homeowner
• Electric funds transfer (EFT)
• Military
• Association