Colorado Car Insurance

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Purchasing car insurance in Colorado can feel overwhelming. After all, all those terms (PIP, UM, UIM, med-pay) can be very confusing when searching for Colorado car insurance quotes.

Let CheapCarInsuranceQuoteTips.com help you. Place your ZIP code in the box to the right and you'll receive a list of insurance firms near you who are eager to help you find cheap car insurance. Colorado has different rules and regulations regarding insurance, of course. The Colorado car insurance companies we send you will help you wend your way through the insurance maze. Our service is free and you don't have to purchase anything from any of the insurance firms that appear on the list we send you.

Colorado requires that you purchase what is known as liability insurance. This insurance is coverage for the bodily injury you cause to someone else or for property damage to someone's property when you cause an accident.

The minimum amounts of Colorado car insurance you'll need to purchase are:

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

You also may purchase additional coverage of car insurance in Colorado such as uninsured motorist coverage (also known as UM), comprehensive and collision coverage, and medical payment coverage. Note that you aren't required to purchase these types of auto insurance.

But you do have to purchase what Colorado calls Medical Payment Coverage. Also called "med-pay," this is a type of insurance that provides a minimum of $5,000 for the insured driver and passengers to help pay for any injuries sustained in an accident, regardless of who is at fault for the accident. (Med-pay is mandatory; however there is a provision for you if you want to opt-out of it. You'll need to do so in writing. Check with the companies providing you Colorado car insurance quotes for more information.)

Med-pay is there to help cover your immediate medical costs (up to the amount of med-pay you purchase), which includes ambulance and emergency room costs. Med-pay is there for you whether you or another driver caused the accident.

Med-pay became mandatory in January 2009. The law "means people who have this coverage can concentrate on recovery instead of worrying about how the immediate bills will be paid," Colorado Commissioner of Insurance Marcy Morrison said at the time.

Uninsured and Underinsured Motorist coverage is optional in Colorado.

Don't try to get away with driving without car insurance. If you're pulled over during a traffic stop/violation, or if you're in an auto accident, law enforcement officers will ask to see proof of insurance. The penalty for driving without insurance? You could face a fine of at least $500 and receive as many as four points on your driving record.

Don't drive without insurance! CheapCarInsuranceQuoteTips.com can help you find affordable insurance in Colorado with just your ZIP code and the click of a mouse. Place your ZIP code in the box to the right and we'll send you a list of insurance firms who service your area. All you need is contact them to start searching for cheap car insurance. Our service is free and you're under no obligation to purchase any insurance from any of the companies who appear on our list.