Colorful Colorado, with its magnificent landscapes and exciting routes, gives you some of the best driving views and experiences in the United States. However, despite this, there are several reasons to have car insurance, such as the condition of Colorado’s roads, road accidents, weather conditions and even theft risks to Colorado drivers. This guide breaks down the essentials of Colorado car insurance.
Getting effective coverage is essential. However, knowing which Colorado car insurance is best for you can be tricky. First, you should understand why you need auto insurance and the legal insurance requirements in Colorado.
Some states are no-fault states, but Colorado is an at-fault or tort state, where you can sue the at-fault party for certain incurred expenses. However, although it is not a no-fault state, it has particular legal auto insurance requirements.
In addition to the required insurance, you should consider various optional coverage policies that provide increased financial protection in case of loss, damage or injury. Having proper auto insurance can provide peace of mind against risk factors such as severe hail, collisions with animals and vehicle theft. Theft is especially concerning since Colorado ranked fifth highest in the U.S. in 2022, with 42,237 reported vehicle thefts.
Types of auto insurance to consider adding to your coverage include:
Colorado’s mandatory legal car insurance requirements state that all vehicle owners must have minimum liability insurance to cover bodily injury to another person and property damage to someone else’s vehicle or property. Colorado is a tort state, so your insurance is responsible for liability payouts only if you are at fault. By law, you must carry the following minimal liability coverage:
Furthermore, you must present your proof of insurance if a law enforcement officer stops you or you get in an accident. Failing to do so is classified as a class A traffic infraction and may result in a $500 fine. However, a repeated offense is classified as a class 1 traffic misdemeanor and punishable by a $1,000 fine. You may also lose driving privileges, be required to complete community service or be imprisoned.
When buying a car for the first time, the main focus is often the vehicle. However, consider your insurance needs and how the car might impact your premiums. David Pope Insurance offers several coverage options so you can get insurance based on your vehicle type and needs and rest easy knowing you are covered.
You’ll want to consider several factors when selecting Colorado car insurance. The most important aspects to consider are your coverage needs and budget. Then, you can speak to your preferred Colorado broker about policy options and compare quotes from different providers. When choosing auto insurance, think about:
Several reputable insurance providers in Colorado target different markets and offer standard and specialized auto insurance. However, finding affordable car insurance or lowering your car insurance costs takes a few proactive measures and ongoing practices, including:
If you are a college student or a parent with a child going off to college, the last thing you want to worry about is the price of your vehicle insurance premiums. You can try several things to lower college students’ potentially expensive auto insurance. Additionally, we have a guide to insurance for college students for help with other forms of insurance.
Whether your parents cover your car insurance costs or you handle this expense yourself, you’ll want to know the following strategies for securing affordable insurance premiums:
The average auto insurance premium price in Colorado is $2,173 per year. However, this can vary based on age, ZIP code, driving habits and more. Looking at these average figures, you might wonder whether you are overpaying for your auto insurance and what to do about it. Comparing quotes is an excellent place to start.
Start with your trusted insurance broker, who will discuss the types of auto insurance services available in Colorado, specific policy options and pricing. When you examine quotes, ask your insurance agent pertinent questions about the policy to understand what is offered. Consider the following when looking for insurance quotes:
Your deductible plays an essential role in the car insurance payout process. Take a closer look at the nature of deductibles:
David Pope Insurance has served American communities since 2005 as a family-owned and client-centric personal and commercial insurance broker. If you want more information on car insurance and how we can help you, you can see or download our complementary in-depth auto insurance guide for Colorado residents.
David Pope Insurance always seeks to provide the best possible service for our clients, so we practice the following:
If you want more information or have any questions, please fill out our online contact form, and we’ll get back to you.
Ready to find the perfect auto insurance policy in Colorado? Contact David Pope Insurance Services for a personalized no-obligation quote today! Additionally, you can compare your current auto insurance policy to see how David Pope Insurance can better your current premium price or policy inclusions. Alternatively, call us at 636-583-0800 to discuss your Colorado car insurance needs.
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!