Finding Cheap Car Insurance In Colorado Springs
Finding Cheap Car Insurance In Colorado Springs
Car insurance in Colorado Springs can be pricey, but there are ways one can negotiate lower premiums for auto insurance. Everyone who owns a vehicle in the state of Colorado is required to carry a minimum amount of insurance. This state requires at least $25,000 in bodily injury liability coverage with a maximum of $50,000 per accident as well as a minimum of $15,000 in property damage liability. Since Colorado is a tort state, one party must be found at fault for the accident and responsible for paying all the damages.
Even if one must find coverage beyond the minimum amount required, there are ways to reduce the rates for coverage. For instance, teenagers are notoriously difficult to cover because of the risk they present to insurance companies. However, some teens are not only easier to insure but also cost less. Good students cost less to insure because insurance companies figure these students are more likely to follow traffic laws and are also less likely to drive in the first place because they are studying and not out at a weekend party. Interestingly, those who only use their cars locally also pay lower rates.
There are other ways to get cheaper car insurance in Colorado Springs with the type of car that needs to be covered. A car that is less attractive to thieves will merit lower rates than cars that make Forbes top ten list of most stolen cars such as sports cars. Neighborhoods more susceptible to crime drive up insurance rates for people who leave their cars there. Newer vehicles fitted with anti-theft measures such as car alarms and locking steering wheels also cost less to insure. Safer vehicles with features such as anti-lock brakes and airbags can also merit lower premiums than cars with fewer safety measures.
Some companies also offer special programs or courses that are awarded with discounts on insurance premiums. For instance, an insurance company may have a defensive driving course for all kinds of drivers. Seniors may even find courses made especially for them in order to get lower rates on their premiums. People with multiple cars may find a lower rate by covering more than one vehicle under the same policy. Sometimes insurance companies even have umbrella policies that offer lower rates for those who carry multiple policies with the same company.
Other things to consider when looking for car insurance in Colorado Springs are little known secrets to getting lower rates. Some companies still offer lower rates to attract female drivers because women statistically drive slower and are less likely to get into accidents. Keeping in mind such factors may be very beneficial when one looks for affordable auto insurance rates.
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