Colorado Car Insurance

The minimum required limits of liability coverage in Colorado are $25,000 for bodily injury per person, $50,000 for bodily injury for all persons injured in an accident, and $15,000 for property damage.

Beyond the minimum requirements, drivers in Colorado can purchase additional coverage for added protection. This is especially important if you own an expensive vehicle or if your car is financed — in these cases, you may need more coverage to protect your investment.

As an independent insurance agency, our goal is to provide Coloradans with the best automobile insurance options. We are not limited by any one insurer, so we can compare car insurance rates from multiple insurance companies to help you find the best one. We also specialize in customizing policies for drivers with special needs, such as those who have had multiple accidents or DUIs.

Our process for finding the best auto policy is simple:

1. Contact us and provide basic information about your vehicle and driving history.
2. We will compare rates from multiple insurers and find you the best rate.
3. Discuss your coverage options with a knowledgeable agent to make sure you understand your policy.
4. Select the coverage that is right for you and purchase the policy.
5. Receive your proof of insurance and wallet card.
6. Make sure to keep your policy up-to-date and in good standing.
7. Call us with any questions or if you need to make changes to your policy.

We are here to help you find automobile insurance coverage that meets your needs. Contact us today to get started with a no-obligation quote. We look forward to working with you!

Drivers in Colorado can face penalties for operating a vehicle without insurance. These penalties include fines, suspension of driving privileges, and sometimes even jail time.

Here is a breakdown of the consequences you will face if you are found driving uninsured:

• You will get four points on your driver's license.
• You will have to complete up to 40 hours of community service.
• For your first offense, you will have to pay a minimum of $500 in fines, and your license will be suspended until you provide proof of insurance.
• For your second offense, you will have to pay a minimum of $1000 in fines and your license will be suspended for four months.
• For your third offense, you will have to pay a minimum of $1000 in fines and your license will be suspended for eight months.

To avoid these penalties, be sure to purchase car insurance in Westminster before getting behind the wheel.

Colorado mandates that drivers have liability insurance; it is also important to consider additional coverage options. Here are some of the most common types of auto insurance coverage:

Liability Insurance 

This is the most basic type of car insurance, and it covers any bodily or property damage you cause in an accident. Liability coverage helps to protect the other driver financially and provides protection for you if you are sued. The minimum liability insurance requirements are 25/50/15, meaning coverage of $25,000 for bodily injury per person, $50,000 for bodily injury for all persons injured in an accident, and $15,000 for property damage.

Collision Insurance 

This type of coverage pays for damage to your vehicle caused by a collision. It is especially important if you own a newer or more valuable car, as it covers repairs to your car no matter who is at fault in the accident.

Comprehensive Insurance

We recommend this type of coverage for drivers who want added protection against theft, vandalism, or any other damage not caused by a collision. Comprehensive insurance pays for repairs to your vehicle caused by something other than a collision. In addition, it can also cover rental car costs and other expenses associated with an accident.

Uninsured Motorist Insurance 

At times, you may be involved in an accident where the other driver does not have insurance. Uninsured motorist insurance covers medical bills, lost wages, and other damages if the other driver is not insured.

Underinsured Motorist Insurance

Like uninsured motorist insurance, underinsured motorist insurance pays for any damages the other driver’s insurance company does not cover. This coverage is important as it ensures you are compensated for your damages, even if the other driver doesn’t have enough insurance.

Medical Payments Insurance 

This type of insurance covers medical and funeral expenses for you or your passengers if you are injured in an accident. It can also cover medical bills for the other driver if you are at fault. When selecting this coverage, consider your health insurance policy and the type of vehicle you drive.

Commercial Insurance 

If you own a business and use your vehicle to transport goods or passengers, this type of coverage is important. Commercial insurance provides protection for your business against any damages caused by an accident.

When selecting insurance coverage, it’s important to be aware of any exclusions. Colorado car insurance policies typically exclude certain types of damages, such as those caused by illegal activities, wear and tear, or intentional acts. Other common exclusions include floods, riots, civil unrest, and nuclear accidents. Be sure to read the policy carefully and ask questions if you have any concerns.

If you own a luxury vehicle, classic car, or motorcycle, it is important to understand how your policy works. You may need to purchase additional coverage or a specialized policy depending on your vehicle type. This is especially true for luxury cars, as the repairs and replacement parts can be significantly more costly than for a standard car. Additionally, classic car owners may need to purchase a specialized policy, as the coverage must be tailored to their particular vehicle.



We have a special affinity for classic cars and luxury automobiles, so please let us know if you need help finding the right coverage. We are here to provide personalized service and will work hard to protect your vehicle.

The cost of car insurance in Colorado will vary depending on your age, driving history, vehicle type, and other factors.

• Age: Young drivers pay more for car insurance than drivers with a history of driving violations or accidents.
• Vehicle type: Luxury and classic cars can cost more to insure, as they require specialized coverage.
• Driving history: Drivers with a clean driving record usually pay less for car insurance.
• Location: Where you live in Colorado can have an impact on the cost of your car insurance, as some areas are more prone to accidents or crime than others.

The average car insurance cost in Colorado is around $1,600 per year. But with the right coverage and discounts, you can find a policy that meets your needs and fits your budget.

1. Compare quotes from multiple insurers: Shopping around is the best way to find a policy that fits your needs and budget.
2. Ask about discounts: Most insurance companies offer discounts for good drivers, multiple vehicles, and low annual mileage.
3. Consider raising your deductible: Raising your deductible can lower your premium significantly.
4. Bundle your policies: Combining your home and car insurance can help you save money on both policies.
5. Take advantage of safety features: Many insurers offer discounts for vehicles with advanced safety features, such as airbags or anti-lock brakes.
6. Check for loyalty and group discounts: Some insurers offer discounts for loyal customers or those associated with certain groups.
7. Avoid multiple traffic violations: Driving safely can help you save money on car insurance and avoid costly fines.
8. Ask about usage-based discounts: Some insurers offer discounts based on the way you use your vehicle, such as limiting nighttime driving or installing a tracking device in your car.
9. Don’t forget to shop around: Prices can vary significantly, so comparing quotes from different insurers is important.
10. Consider dropping coverage for older cars: If you have an older car with a lower value, it may not be worth the comprehensive and collision coverage cost. Check with your insurer to see if it makes sense to drop these coverages.
    

Here at 3R Insurance Agency, we are committed to helping you find the right car insurance policy at the best price. We understand the importance of quality coverage that fits your budget and lifestyle, so please don’t hesitate to contact us with any questions or concerns.



We can help you compare quotes from multiple insurers so you can get the most comprehensive coverage at the best rate. Get started today and request your free quote!