Cheap Car Insurance Quotes Colorado – Your guide to landing the best deal

Shopping for cheap car insurance seems to be a hot topic these days. Most consumers in Colorado have seen their auto insurance rates increase on an average over 10 - 15% per year for the last 4-5 years.

Some consumers are mistakenly informed that by lowering coverage limits this will decrease their insurance premiums. The main thing insurance carriers want for each of their insured’s is that they obtain the proper insurance coverage for their risk profile.

Cheap Auto Insurance Colorado – Some cardinal aspects

Considering the circumstances, two question that bugs the mind of every car owner in Colorado are: 

1.   How to get the cheapest car insurance in Colorado?

2.   How much car insurance is appropriate for me?

However, to answer these questions and avail oneself of the best car insurance in Colorado, an average car owner is subject to certain conditions.

Cheapest car insurance in Colorado – The relevant factors

Factors will include:

1.   How many years of driving experience?

2.   Do I have any tickets or accidents?

3.   Does it make sense for me to have comprehensive and collision coverage on my vehicle?

4.   Should I purchase coverage for glass damage?

5.   What deductible limits do I need?

6.   If you routinely have friends and family in your car you need medical payments coverage, so how much is best?

 In addition, if you do not have health insurance medical payments coverage is a must.

Best car insurance quotes in Colorado – who offer the best deals?

The best insurance companies are the preferred carriers such a Safeco, Travelers, Nationwide, State Auto and the Hartford.

The non-standard carriers are insurance carriers (and cheapest car insurance in Colorado, meaning not the best insurance carriers) that offer insurance coverage to insured’s with a risk profile that is less than ideal. They are the cheap car insurance in Colorado the choice for people with frequent claims, DUI’s, SR-22 filings, bad credit, major violations, youthful drivers, persons who have been driving without insurance or even persons that kept lower than acceptable coverage limits like 50/100/50 or state minimums. This is the riskiest group of insured’s.

Best car insurance in Colorado - Which auto insurance coverage limits are best?

At a minimum, the ideal liability limits for coverage are 100/300/100. It is best to add uninsured and underinsured motorist coverage limits that match those liability limits. 

Next, at a minimum you should have at least $5000 of medical payments coverage per person (and if you have a child, consider higher limits). Optional coverages can include roadside assistance, rental car reimbursement and towing coverage.

Finally, if your vehicle has been financed, you will need comprehensive and collision coverage with deductibles no greater than $1000 each.

Cheap car insurance Colorado – The final verdict

This is by no means a comprehensive detailed list of coverages as each person’s situation and driving history are unique. Having the right kind of insurance coverage is cheaper for everyone in the long run. We recommend you speak with a licensed insurance agent in Colorado such as Chris at Mountain Insurance - Montrose today. He can be reached by telephone at (970) 901-0062 or you can email him at Chris@dcimountain.com.

We are sure he can help you find the best car insurance in Colorado today.

Mountain Insurance-Montrose provides car and auto insurance to individuals and families in Montrose, Grand Junction, Ouray, Crested Butte, Gunnison, Telluride, and surrounding areas.