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Shopping for Car Insurance in Colorado
How much you pay for car insurance in Colorado largely depends upon what kind of risk you are. Most auto insurance companies will consider your driving record for the 3years in determining your auto insurance rate quote. That’s why it’s important to check all the information on your auto insurance quote request in Colorado for accuracy. Ask your agent or broker to go over all the facts concerning your driving record with you. A mistake may cost you money.

When shopping around for car insurance in Colorado, you’ll want to keep in mind that insurance companies can use your credit history as a factor. One of the more common uses for credit history for insurance companies is for underwriting.

Colorado uses a “tort system.” This is a system of legal and financial responsibility based upon the law of negligence. The tort system allows for others to bring others to suit from an accident as a result of negligence. This is unlike the no-fault system, which Colorado used to have, implemented in other states. The tort system would
be more beneficial in instances where your coverage has been exhausted, but you still have bills to pay as a result of the accident.

The average car insurance price in Colorado from 1999-2003 was $922.67. Are you paying too much? The best way to find out is to shop around and it doesn’t get any easier than filling out a form online. Click here to get started.

When purchasing car insurance in Colorado you will need to have liability coverage of 25/50/15. If you decide to combine all three as a single limit, the minimum allowable is $60,000. However, if you go the traditional route and purchase the liability coverage, it will provide you with $25,000 for bodily injury per one person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.

Insurance companies in Colorado are required by law to offer you collision coverage and UM/UIM (Uninsured Motorist/Underinsured Motorist). If you purchase the UM/UIM coverage, its coverage amount must be equal to that of the bodily injury coverage of 100/300 or, whichever is less.
If you feel that the liability coverage that you have isn’t quite enough, you may want to consider adding on certain optional coverage, which include:
UM/UIM
Medical Payments
Collision
Comprehensive
Rental Reimbursement Coverage
Towing & Labor Coverage
You can always discuss with your insurance agent which coverage is best for you and whether you need the coverage or not.

You can reach the Colorado Division of Insurance Consumer Services for more information at:
Colorado Division of Insurance Consumer Services
Denver: (303) 894-7490
Toll free in CO: 1-800-930-3745
Or, visit their website at http://www.dora.state.co.us/.

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