colorado car insurance that’s right for you, not someone sorta like you
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 our Claim Satisfaction Guarantee to help give you the peace of mind you need from your auto insurance company.
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.
colorado car insurance discounts from esurance
Good news, Coloradans: we've got a wide array of discounts to help bring your auto insurance premiums closer to sea level. Here's a sampling of our money-saving discounts:
- Anti-Theft Device discount
- Claim-Free discount
- Defensive Driver discount
- Fast 5® discount
- Good Student discount
- Homeowners discount
- Multi-Car discount
- Paid-in-Full discount
- Safety Device discount
- Multi-Policy discount
Discounts are subject to eligibility. If you're a current policyholder with questions about your Colorado auto discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).
car insurance coverages in colorado
Required coverages
Colorado 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 accident
You'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 coverages
These additional coverages can help 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
- Comprehensive
- Custom parts and equipment
- Auto loan/lease (or "gap")
- Medical and funeral services payments
- Towing and labor
- Uninsured motorist bodily injury
- Uninsured motorist property damage
Plus, CoverageMyWay™, only from Esurance, provides coverage options to help make sure you only pay for what's right for you. It's just one way we strive to make car insurance faster, simpler, and more affordable.
factors that may affect your colorado premium
Colorado 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 policy
- Accidents and violations within the past 3 to 5 years
- Marital status, gender, age, and number of years licensed
- ZIP Code where the vehicle is garaged or parked
- Your vehicle's year, make, and model
- Prior insurance history, including number of years insured continuously
insurance facts and info
Proof of insurance in Colorado
We'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 insurance upon request can result in a 4-point penalty on your driving record, as well as a fine.
Uninsured drivers in Colorado
A report from the Insurance Research Council found that 16.2 percent of Colorado drivers were uninsured in 2012, which was above the national average of 12.6 percent.
While uninsured and underinsured motorist 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 colorado
As 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.
Source : www.esurance.com