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