Colorado Car Insurance
Colorado Car Insurance -- Before you begin driving, learn about Colorado auto insurance.
When driving in the Centennial State, whether you're hitting
the slopes or going to the office, be sure your Colorado auto insurance is up
to date. Drivers who fail to present insurance documentation may be subject to
fines of up to $500, points on their driving records, and, in some cases,
licence suspensions and community service obligations. Additionally, in order
to register a car, drivers must provide the Colorado Bureau of Motor Vehicles
with proof of insurance. You can obtain Colorado auto insurance quotes online
if you require coverage or wish to switch providers.
Colorado's Minimum Auto Insurance Requirements
The following minimum coverage amounts must be present on an
insurance policy for any vehicles operated on Colorado roads:
• Physical harm: $25,000 per person, $50,000 per accident
• Each accident's property damage is $15,000.
• Medical payments: $5,000 per accident; Colorado Car Insurance.
• uninsured motorist: $25,000 per person, $50,000 per accident
*By indicating your refusal on an
option form, you can reject medical and uninsured motorist benefits.
You can carry extra supplementary coverages to better
safeguard your vehicles and yourself. You can get help from a GEICO insurance
advisor in determining the finest Colorado auto coverage for your requirements.
Colorado Car Insurance. Colorado Car Insurance.
Teen Driver Licencing in Colorado
Colorado teenagers must begin driver education at the age of
15 if they want to obtain their licence when they become 16 years old. Before
applying for a Colorado driver's licence, teenagers must have held a learner's
permit for at least a year in that state. According to Colorado law, minors are
not allowed to use a phone while driving unless it is an emergency or they need
to call the police or fire department. Text messaging while driving is
prohibited for drivers 18 and older unless it is an emergency or they need to
contact the police or fire service.
Depending on the age of the driver, several procedures must
be followed to receive a licence:
• Before you may apply for a learner's permit (minimum age 15), you must finish a 30-hour driver's education course if you start at or before age 15 and 6 months. • If you start between age 15 and 6 months and age 16, you can either complete a 30-hour driver's education course or a 4-hour classroom driver awareness programme to be eligible for a learner's permit. Permit holders who have logged 50 hours of driving time, completed a 6 hour behind-the-wheel training course and have held their permit for at least 12 months then can apply for a driving licence. Colorado Car Insurance.
Those who have kept their permit
for at least 12 months and have accumulated 50 hours of driving time (plus six
hours of behind-the-wheel training if they are under 16 years and six months
when they apply for a licence) are then eligible to apply for a driving
licence.
• No prior driver's education is necessary to be able to
apply for a learner's permit if you start at age 16 or 17. Permit holders can
then apply for a driving licence after accruing 50 hours of driving experience
and holding their permit for at least a year. Optional additional instruction
behind the wheel for 6 hours.
For the first year, unless accompanied by a trainer, parent,
or legal guardian, licenced driving is not permitted between the hours of
midnight and five in the morning.
Colorado Car Insurance.
Information on Colorado Registration
If you recently relocated to Colorado, you have 30 days from
establishing Colorado residency to apply for a Colorado title and registration
for your car. You must submit your application to the county where you
currently reside's motor vehicle office.
The following records are necessary:
• Your current out-of-state registration or your
out-of-state title.
• You must provide proof of a Colorado vehicle emissions
test if you reside in Adams, Arapahoe, Boulder, Denver, Douglas, El Paso,
Jefferson, Larimer, Pitkin, or Weld counties.
• A current and accurate reading of the odometer; • Proof of
vehicle insurance coverage (insurance card, copy of insurance policy, or letter
from your insurance company on the company's letterhead paper); • A vehicle
identification verification form (DR 2087) completed by a law enforcement
official, a licenced Colorado motor vehicle dealer, or a licenced Colorado
emissions testing station.
• If the lienholder is not identified on the out-of-state
title or registration, the lienholder's name and address must be provided if a
lien is recorded on an out-of-state title.
The title and registration fees must be paid when you get to
the county motor vehicle office.
If there are no liens recorded against the car, you will get your Colorado title in the mail. The title will be mailed to the lienholder if there is one. For delivery, please allow 4 to 6 weeks. Colorado Car Insurance.
Colorado Car Insurance.
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