Auto Insurance
Shop Smart & Save Today!
Types of Car Insurance:
It's good to know what kinds of auto insurance you want when you're ready to compare FREE car insurance quotes in Denver, Aurora, Boulder, Colorado Springs, CO and surrounding areas with Quote Genius. Here are the main coverage types.
Liability Insurance: Liability auto insurance is required in most states and is the foundation of auto insurance policies. Liability coverage pays others for accidents you cause, including injuries and property damage. *Note that liability insurance does not cover any damage to your own car.
Collision Insurance: Collision auto insurance is coverage that will pay for repairs or replacing your vehicle if it is damaged in an accident, regardless of who is at fault. This includes collisions with another vehicle or an object, such as a guardrail, tree or pole.
Comprehensive Insurance: Comprehensive auto coverage helps cover the cost of damages to your vehicle when you're involved in an accident that was not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, a branch falling on your vehicle or hitting an animal.
Full Coverage insurance: It generally refers to a policy that has liability, collision and comprehensive coverage bundled together. This provides you with auto insurance for damage and injuries you cause others (liability), and damage to your own car and theft (collision and comprehensive).
Uninsured Motorist (UM) Insurance: Uninsured motorist auto insurance coverage protects you in the event you are injured by another driver who has no insurance at all, or insufficient insurance to fully cover the amount of damages or medical bills.
Personal Injury Protection (PIP) and Medical Payments (MedPay) Coverage: This coverage pays for injuries to you and your passengers, no matter who was at fault. Some states require PIP, where it is sometimes called "no-fault insurance."
Rental Reimbursement Insurance: If your car is in the shop due to an accident covered by your auto insurance policy, this helps pay for your rental car. It usually includes a daily and total maximum that it will pay.
The Levels of Car Insurance
Before comparing auto insurance quotes, it's good to have an idea of how much coverage you need. State requirements can include liability insurance, uninsured motorist coverage, and personal injury protection (called PIP or no-fault). You may want higher coverage levels for each than what's required. At Quote Genius, we can help you decide which level of auto insurance is right for your needs and your budget. We work with the top car insurance companies in the Denver, Aurora, Boulder and Colorado Springs, CO areas to find the best A.I. driven auto insurance quotes.
Below are examples of levels of coverage for liability and uninsured/underinsured motorist coverage in the Denver, Aurora, Colorado Springs and Boulder, CO areas. Your own car insurance needs often depend on how many assets you would have at risk in a lawsuit against you after a car accident. It also depends on whether you want car insurance that will pay out for damage such as hail, hitting a guardrail or car being stolen.
Frequently Asked Questions
How Much will Auto Insurance Cost?: The average premium paid for full coverage auto insurance is about $138 a month, based on premiums reported by the top Car Insurance providers in Denver, Aurora, Colorado Springs and Boulder Colorado areas. That is based on good drivers with the "typical" level of coverage shown above.
How are Car Insurance Quotes are Calculated?: Rates can vary quite a bit when you compare car insurance because insurance companies in Colorado all have their own way of calculating prices. Still, here are factors generally used in auto insurance quotes:
-
The Driver: The Drivers age and driving experience affect quotes. So do moving violations such as speeding tickets. This includes all the licensed drivers in your household.
-
Past Claims and Accidents: Having caused accidents and made insurance claims will typically mean higher insurance rates.
-
How the vehicle is used and where it's parked: Do you use the vehicle for personal or business reasons? Where is it parked at night? These typically affect car insurance quotes.
-
Credit Score: Poor credit can mean higher auto insurance rates. The insurance industry correlates poor credit to a higher chance that a driver will make a claim.
-
The Vehicle: Auto Insurance Companies in the state of Colorado often use data from past claims on a vehicle like yours to calculate car insurance quotes. If other drivers of your model have made a lot of claims, or the vehicle is expensive to repair, that can be reflected in a car insurance quote.
What are the Cheapest Cars to Insure?: The chart below is based on premiums reported by Quote Genius users. Get a FREE QUOTE!
Vehicle
Rank
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Vehicle
Model
HONDA FIT DX
HONDA FIT
SUBARU IMPREZA PREM.
TOYOTA PRIUS
FIAT 500 POP
CHEVROLET EQUINOX
FORD C-MAX SEL
TOYOTA PRIUS V
FORD ESCAPE
CHEVROLET SPARK 1LT
MAZDA 3 I
HONDA FIT EX
TOYOTA PRIUS C
VOLKSWAGEN BEETLE
HYUNDAI AZERA
HONDA FIT LX
SUBARU IMPREZA BASE
MINI COOPER S
SUBARU LEGACY 2.5I
CHEVROLET SPARK 2LT
Yearly
Premium
$1,521
$1,573
$1,674
$1,679
$1,686
$1,697
$1,699
$1,713
$1,714
$1,722
$1,729
$1,729
$1,733
$1,735
$1,750
$1,754
$1,757
$1,760
$1,769
$1,776
Should I Switch Car Insurance Companies?: A car insurance policy in Denver, Aurora, Boulder, Colorado Springs and surrounding cities generally lasts for six or 12 months. If you have a plan that is not working for you, let Quote Genius do the work for you and find you a better auto insurance policy from the top insurance carriers in Colorado.
How to Get Cheaper Car Insurance Quotes: No matter where you live in Colorado or what your driving history may look like, there are ways to get cheap car insurance. One of them is by using Quote Genius to get FREE car insurance quotes.
-
Bundle Auto and Home Insurance: That means buying your insurance policies from the same company. The "bundling" discount is usually one of the better car insurance discounts. You can often bundle renters, condo, boat, RV and other policies with auto insurance.
-
Ask Your Agent for Available Discounts: Ask your insurance agent to see if there are any possible discounts being offered in your area to make sure you're getting all the savings you can.
-
Do Everything Electronically: Many auto insurance providers in Denver, Aurora, Boulder, Colorado Springs and surrounding cities offer small discounts for paying by EFT (electronic funds transfer) and receiving bills and policies electronically.
-
Increase the Deductible on Collision and Comprehensive Coverage: A deductible is the amount taken out of an insurance check if you make a claim. By raising your deductible you can save money, but if you file a claim, you will most likely receive a smaller payout. (There's no deductible on liability insurance claims against you.)
-
Use Quote Genius: Finding a cheap car insurance in Denver, Aurora, Boulder, Colorado Springs and surrounding cities can be a time consuming task. Let Quote Genius do the work for you and find the best insurance deals that meet your needs.