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Like most places, the state of Colorado requires all drivers to carry auto insurance. This article is going to talk about some of the things specific to car insurance in Colorado including minimum coverage amounts, a new law that went into effect January 1, 2009, and where to get a Colorado auto insurance quote before you buy your policy.

In the state of Colorado the minimum amount of auto insurance that you are required to have is known as a 25/50/15 coverage plan. What those numbers refer to are the amounts of liability coverage for bodily injury and property damage. The law requires you to carry a minimum of $25,000 in liability coverage per injured person up to a total of $50,000 per accident and property damage liability of $15,000.

Of course those are the absolute minimum required by law. You may wish to carry a little more coverage. If you drive a newer or more expensive vehicle you may also wish to carry more than just liability coverage so that your vehicle will be repaired or replaced even if you are at fault in an accident.

On January 1, 2009 a new law went into effect in Colorado requiring insurance companies to include a minimum amount of medical coverage on all car insurance policies issued. This medical payment coverage is known as Med-Pay. Med-Pay is intended to help cover immediate medical costs such as ambulances and emergency room visits for uninsured drivers and passengers regardless of who's at fault in the accident.

All insurance companies are required to include the Med-Pay coverage on all new and renewal policies. Consumers can opt out of this coverage but they must do so in writing.

Whether you choose to go with the minimum amount of coverage allowed by law or a more comprehensive plan that offers more protection, you'll certainly want to find the best possible price for the amount of coverage you are looking for. The best way to do this is by comparison shopping. You can get a free Colorado auto insurance quote from a number of different providers, allowing you to quickly and easily find a company that offers the best price on the coverage you need. A few minutes spent comparison shopping can save you thousands of dollars.

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