All drivers in Colorado are required to have car insurance. In 2003, the state changed from a “no-fault” to a tort system. This means the driver that caused the accident is required to cover the associated costs. This change resulted in lower costs for car insurance, and made it so that the only portion of your car insurance that is required by the state is liability coverage; all other available coverage is optional.
On average, Americans pay $1,311 a year for their car insurance. In Colorado, the average cost is slightly higher at $1,351. Every insurance company calculates rates in a different way, so comparing quotes can save you lots of money. Insurance agents can help you find the policy that offers all the coverage you want at the most competitive price.
• Independent agents work for you not an insurance company
• Local agents understand the needs of people in your community
• Independent agents do the comparison-shopping legwork for you
My auto insurance was too expensive, so I looked for a different one. I heard from a friend that TrustedChoice was a good way to go. Their website worked well and the agent they matched me with found a better deal on an insurance company than the one I had in no time.Jeffrey of Littleton, CO Consumer Affairs
A basic minimum-coverage policy in Colorado will provide liability insurance to cover third-party damage if you are responsible for a collision. Your policy must include property liability coverage of at least $15,000, and bodily injury liability coverage of at least $25,000 per person and $50,000 per accident. You can also choose to include optional coverage such as:
There are currently 252 independent insurance agencies in Colorado who are ready to help. Your agent can save you time and money by assisting you with comparison shopping. Because independent agents are free to work with several different insurance companies, they can obtain a variety of customized car insurance quotes for you to compare. That way, you can choose the policy that offers the best value.