What is Unique About My State's Auto Insurance?

What is Unique About My State's Auto Insurance?

Unlike most other states, Colorado is a no fault insurance state. This means that no matter who is at fault in an accident, your own car insurance pays to repair your vehicle. This means that it is very important that you have Colorado auto insurance.

There are some exceptions to this rule, however, so drivers are still required to carry liability insurance. The liability insurance limits are 25/50/15.

In addition, each time your request an auto insurance quote in Colorado, it will include a quote for Med-Pay coverage. This medical payment insurance for you and your passengers is offered at 5000 dollars per incident and must be refused in writing or added to you policy.

Colorado law also provides that each time you ask for an insurance quote that it include uninsured/underinsured motorist coverage equal to the bodily injury liability limits of your policy. While you can also refuse this coverage, it must be offered and will make sure that you are taken care or if the other driver's policy has lapsed or does not cover all of your medical expenses or the medical expenses of passengers in your car.

While it is still possible to get auto insurance quotes by phone, many people find that it is easier to get the quotes online. By requesting online quotes, you can have them sent to your e-mail box where you can save them and print out for comparisons.

Comparing insurance costs is one way to save money on insurance. If you would like to save even more money on insurance cost, consider the following tips.

Never drink and drive. Drinking impairs your ability to react quickly and can cause you to have an accident. In addition, if you are stopped when driving under the influence (DUI) there are serious legal consequences and your insurance cost will increase.

Always drive safely. Safe drivers are less likely to have accidents. Adding an accident to your record will increase the cost of your insurance. Defensive driving is especially important in a no fault state.

Be a driver that obeys the law. By obeying the rules of the road, you will be able to avoid getting traffic tickets. Not only can a traffic ticket ruin your budget, it can affect the price you pay for insurance for several years. It is important that you not only know the traffic laws of your state, but that you also obey them.

Unlike most other states, Colorado is a no fault insurance state. This means that no matter who is at fault in an accident, your own car insurance pays to repair your vehicle. This makes Colorado auto insurance as well as a must.

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