Colorado Car Insurance
Colorado Car Insurance—Before You Start Driving Here
Whether you're hitting the slopes or heading to the office,
make sure you have valid Colorado car insurance when you drive in the
Centennial State. Drivers who fail to show proof of insurance can face
penalties upwards of $500, points added to their driving record, and in some
cases suspended licenses and community service hours. Drivers are also required
to show proof of insurance to the Colorado Bureau of Motor Vehicles in order to
register vehicles. If you need car insurance or want to switch companies, you
can get Colorado car insurance quotes online.
Ski Rack Requirements In Colorado
There are laws on vehicle height and driver visibility that
could cause you to be pulled over by the police. When fastening skis and other
equipment to the roof, drivers need to make sure there's no visual obstruction,
like ski tips that could block the driver's view through any of the vehicle's
windshields or windows. If you place a ski rack on a tall vehicle, like an SUV
or van, take notice that the rack does exceed the state's maximum allowable
height of 13 feet. Violations are subject to fines and surcharges.
Colorado Auto Insurance Minimum Requirements
Vehicle owners driving on Colorado roads are required to
have at least the following minimum limits on their insurance policy:
• Bodily
Injury: $25,000 per person, $50,000 per accident
• Property
Damage: $15,000 per accident
• Uninsured
Motorist: $25,000 per person, $50,000 per accident*
• Medical
Payments: $5,000 per accident*
*Uninsured Motorist and Medical Payments can be rejected by
signing an option form.
There are additional optional coverages that you may carry
to better protect yourself and your vehicles. A GEICO insurance counselor can
assist you in choosing the best coverage for your needs.
Colorado Teen Driver Licensing Process
For Colorado teens who want to get their license on their
16th birthday, they'll need to start driver's education before age 15. Colorado
requires teens to have held a learner's permit for at least 12 months before
applying for a Colorado driver's license. Colorado law prohibits drivers under
18 years of age from using a mobile phone while driving unless it is to contact
the police, fire department, or it is an emergency. Drivers 18 and older may
not use a mobile phone for text messaging while driving unless it's to contact
the police, fire department, or it's an emergency.
The process for obtaining a driver’s license varies depends
on the driver's age:
• If you
start at or before age 15 and 6 months, you must complete a 30-hour driver's
education course before you can apply for a learner's permit (minimum age 15).
Permit holders who have logged 50 hours driving time, completed a 6 hour
behind-the-wheel training course, and have held their permit for at least 12
months can then apply for a driver's license.
• If you
start between age 15 and 6 months up to age 16, you can either complete a
30-hour driver's education course or a 4-hour classroom driver awareness
program to be eligible for a learner's permit. Permit holders who have logged
50 hours driving time (plus 6 hours behind-the-wheel training if you are
younger than 16 years and 6 months when you apply for a license) and who have
held their permit for at least 12 months can then apply for a driver's license.
• If you
start at age 16 or 17, there are no prior driver's education requirements
before being eligible to apply for a learner's permit. Permit holders who have
logged 50 hours driving time and who have held their permit for at least 12
months can then apply for a driver's license. Additional 6 hours
behind-the-wheel training is optional.
For the first year licensed driving is prohibited between
midnight and 5 am, unless accompanied by an instructor, parent, or legal
guardian.
Titan Insurance knows that Coloradoans have choices when it
comes to selecting from Colorado auto insurance companies. That's why you
should compare our coverage and discount options to see how Titan can help you.
Simply call one of our friendly agents today at 1-800-TITAN-UP for a Colorado
auto insurance quote.
Colorado auto insurance coverage options
Every driver is different and needs customized Colorado auto
insurance coverage options. Check out Titan's insurance options and contact an
agent for a free quote. Coverage options include:
• Liability
• Comprehensive
• Collision
• Uninsured/underinsured
motorist
• Med-pay
• Accident
forgiveness
• Towing
and labor
• Loss of
use
• Loan/lease
coverage
Colorado auto insurance discount options
Save money every month when you qualify for one of Titan's
auto insurance discounts in CO. Review the discounts and call a representative
for a free Colorado auto insurance quote. Discounts include:
• Multi-policy
• Accident
free
• Multi-vehicle
• Advance
quote
• Prior
carrier
• Good
student
• Senior
driver
• Homeowner
• Electric
funds transfer (EFT)
• Military
• Association
Contact a Titan representative
Learn more about Colorado auto insurance coverage:
• Get an online
auto insurance quote - enter your zip code to the right
• Call
1-800-TITAN-UP (1-800-848-2687)
• Find a
Titan Insurance agent or broker near you
Products and discounts not available to all persons in all
states. Product, coverage, discounts, insurance terms, definitions, and other
descriptions are intended for informational purposes only and do not in any way
replace or modify the definitions and information contained in your individual
insurance contracts, policies, and/or declaration pages from Titan-affiliated
underwriting companies, which are controlling. Such products, coverage, terms,
and discounts may vary by state and exclusions may apply.
