What Auto Insurance Is Required in Limon, Colorado?
Colorado state law requires all drivers to carry liability insurance to legally operate a vehicle. If you live or drive in Limon, CO, your policy must meet the following state minimum requirements:
- Bodily Injury Liability:
- $25,000 per person
- $50,000 per accident
- Property Damage Liability:
- $15,000 per accident
These limits are often written as 25/50/15.
This liability-only policy pays for injuries and property damage to others when you are found at fault in an accident. It does not cover your own vehicle.
What Is Liability Insurance and What Does It Cover?
Liability insurance is required by law and helps cover damages and medical bills for others involved in an accident you cause. It’s broken into two main parts:
- Bodily Injury Liability (BI):
- Pays for medical expenses, lost wages, and legal fees if you injure someone else.
- Example: If you hit another car and the driver has a broken arm, BI covers their ER visit.
- Property Damage Liability (PD):
- Pays for repairs to someone else’s vehicle or property.
- Example: If you hit a fence or mailbox, PD covers the repair or replacement.
Keep in mind:
- Your vehicle repairs are not covered by liability.
- Many drivers choose higher limits than the 25/50/15 minimum to avoid out-of-pocket costs in serious accidents.
What Is Collision Insurance and Why Might I Need It in Limon?
Collision insurance pays for damage to your own vehicle from an accident, regardless of who is at fault. It is optional coverage, but highly recommended if you:
- Drive a newer or financed car
- Want protection against costly repairs
- Live in an area with frequent vehicle accidents or wildlife crossings
Collision covers:
- Crashes with other vehicles
- Rollovers
- Hitting a tree, pole, or other object
Important facts:
- Deductibles can affect the monthly payments
- Comes with a deductible (e.g., $500 or $1,000 and could be higher )
- Required by lenders if your car is financed or leased
What Does Comprehensive Insurance Cover?
Comprehensive insurance covers non-collision damage to your car. This includes unexpected events and natural disasters. It’s also part of full coverage and includes a deductible.
Covered events may include:
- Hailstorms or wind damage (common in Colorado)
- Theft or vandalism
- Fire
- Falling objects (trees, debris)
- Glass damage (cracked or shattered windshield)
- Flooding
- Animal collisions (e.g., deer hits)
Why consider comprehensive coverage?
- Colorado weather can be unpredictable
- Auto theft and windshield claims are common
- Peace of mind for drivers with newer or high-value vehicles
What Is Uninsured Motorist Coverage and How Does It Protect You?
If you’re hit by a driver who has no insurance or not enough to cover your injuries, uninsured/underinsured motorist coverage (UM/UIM) protects you and your passengers.
It’s optional but highly recommended and often mirrors your liability limits.
Two parts of UM/UIM coverage:
- Uninsured Motorist Bodily Injury (UMBI):
- Covers your medical expenses if the other driver has no insurance.
- May also pay for lost wages, rehab, and pain & suffering.
- Uninsured Motorist Property Damage (UMPD):
- Covers repairs to your vehicle if the at-fault driver has no insurance.
- Only available in some states (Colorado does allow UMPD but not all insurers offer it).
Why this matters in Limon:
Protects your vehicle and health even when others are uninsured
Many rural drivers are uninsured or underinsured
Hit-and-run accidents happen on remote highways
How Do Age and Gender Affect Auto Insurance Rates in Limon, Colorado?
Your age and gender are two of the most important factors that insurance companies use when calculating your auto insurance premium. In Limon, CO, drivers see different insurance rates depending on how old they are and whether they’re male or female.
Why Are Males More Expensive to Insure Than Females?
Statistically, males are involved in more accidents, drive more miles, and receive more tickets compared to females—especially in younger age groups.
Here’s what insurers consider:
- Teen and young adult males have higher rates of reckless driving
- Males are more likely to drive high-performance vehicles
- Females between 40–60 often have the cheapest rates on average
- Gender-based pricing is legal in Colorado, so insurers can use this factor when rating policies
Can I Still Get Cheap Auto Insurance in Limon, Even If I’m a Young Male Driver?
Yes, there are several ways to lower your premium:
- Maintain a clean driving record
- Opt for liability only or non-owners insurance
- Choose a higher deductible if you’re buying full coverage
- Bundle with another policy (like homeowners insurance)
- Ask about discounts:
- Good student
- Multi-vehicle
- Paperless billing
- Pay-in-full
- Snapshot or telematics-based programs
How Is My Auto Insurance Premium Calculated in Limon, Colorado?
This is one of the most common questions we get from drivers in Limon—and it’s a good one. Insurance companies use a combination of personal and vehicle-related information to calculate your auto insurance premium. Some rating factors have a high impact, while others are barely considered.
We’ve broken down the key rating factors below, including how much each one affects your rate.
Top Auto Insurance Rating Factors in Limon, CO
High Impact Factors:
- Major Violations (DUI, DWI, Reckless Driving)
- One of the biggest rate increases you’ll see
- Drivers with a DUI can expect rates to double or even triple
- Often requires SR22 insurance
- Age
- Teen drivers (16–19) have the highest premiums
- Rates decrease with age, hitting their lowest around 45–55
- After age 65, rates may increase slightly again
- Credit Score
- Strong credit = lower premiums
- Poor credit may increase your premium by 20–50%
- Colorado insurance companies are legally allowed to use credit as a rating factor
Medium Impact Factors:
- Gender
- Males, especially younger drivers, often pay more
- Females aged 40–60 tend to get cheapest vehicle insurance
- Marital Status
- Married drivers statistically file fewer claims
- Can help reduce your rate slightly
- Vehicle Performance
- Sports cars or high-performance models cost more to insure
- Safer, more modest vehicles typically result in lower insurance rates
- State Requirements
- Colorado minimum limits are 25/50/15
- Choosing only state minimum liability results in a lower premium—but less protection
Low to No Impact Factors:
- Annual Mileage
- Drivers who commute long distances may pay slightly more
- Occasional drivers with low mileage could qualify for usage-based insurance discounts
- How Long You’ve Owned the Vehicle
- Slight impact on rate, mostly used for claim payout estimates
- Doesn’t significantly change your monthly premium
- Profession
- Some careers are eligible for small discounts (teachers, nurses, etc.)
- Not a heavily weighted factor in most cases
- Lienholder / Car Loan
- Doesn’t directly impact your rate
- However, full coverage may be required if the car is financed
- Color of the Car
- No impact whatsoever—red cars do not cost more to insure (myth debunked)
How Much Can I Save on Auto Insurance in Limon?
On average, we help drivers in Limon, Colorado save $598.55 per year on their auto insurance by shopping rates across multiple carriers.
We compare quotes from:
- Progressive
- Dairyland
- National General
- Mendota
- The General
- Bristol West
- Suncoast
- Gainsco
- Assurance America
- Falcon
- And More!!!
How Can I Get the Best Rate?
Here are some quick tips to lower your insurance premium in Limon:
- Keep a clean driving history (avoid tickets/accidents)
- Improve your credit score
- Ask about multi-policy discounts (auto + renters or home)
- Consider liability only if your vehicle is older
- Enroll in Snapshot or other telematics programs
- Shop around every 6–12 months for a better insurance quote
We save our clients an average of $598.55 for Auto Insurance Limon
How can you save money on your auto and home insurance? Selecting a company that fits your needs and offers several discounts. Most companies we work with offer paperless discounts, autopay discounts, bundling discounts, and continuous insurance discounts.
All of these discounts, if applied to you, can save you a lot of money. On average, we save our customers in Limon Colorado hundreds of dollars. Look below to see what you could buy with these savings!
| New Customers in Limon, Colorado Save on Average | $598.55 |
Savings can be yours today!
| Number of Candy bars you could buy | 435 |
| Months of Netflix you could afford with your savings | 43 |
| Number of Peanuts you could buy | 107568 |
What You Should Know About Buying Auto Insurance Limon?
If you live in the Limon, CO area, and you are seeking out car insurance, there are certainly some things that you should be aware. One of your responsibilities, as a car owner, is to make sure that your car is insured. It is important to have a policy that fits both your budget and your needs. Auto accidents happen when you least expect it. A policy will help reduce the cost of damage that you may cause to others or even damage caused to you depending upon which coverage options you elect to have.
Researching auto Insurance in Limon, CO can be confusing and stressful, If you aren’t familiar with the industry. Fortunately, the stress and confusion can be reduced by talking to an agent. You will find that most companies will offer a variety of different plans. Comparing and contrasting these options will help you figure out the right policy for you.
There are many various types of insurance in Limon available. Those range from just liability to full coverage including comprehensive and collision. Other typical options you can purchase for an auto policy in Limon, CO includes uninsured motorist bodily injury protection, medical payments, roadside assistance, and rental reimbursement. By understanding what these cover, you will be better prepared to shop for car insurance in Limon.
Frequently Asked Questions about Auto Insurance Limon
Q1: What is Auto Insurance Limon?
Auto Insurance Limon is offered by A Plus Insurance, your trusted partner for all your auto insurance needs. We offer a variety of coverage options to protect you and your vehicle.
Q2: How can I get a quote?
You can easily get a quote by visiting our website and filling out our online quote request form. Alternatively, you can call us at 1.888.445.2793 to speak with one of our representatives.
Q3: What coverage options do you offer?
A Plus Insurance in Limon, CO, offers a wide range of coverage options, including liability insurance, collision coverage, comprehensive coverage, and more. We tailor our policies to meet your unique needs.
Q4: Who is known for cheapest car insurance?
The cheapest car insurance varies based on individual circumstances, but companies like Progressive and The General are often competitive in pricing. It’s best to compare quotes to find the most affordable option for your needs.
Q5: Who has the lowest auto and home insurance rates?
Finding the lowest auto and home insurance rates can depend on various factors including location, coverage needs, and discounts. Providers like Assurance America and National General often offer competitive rates. Again, comparing quotes is advisable.
Q6: Can I get a lower rate on my car insurance?
Yes, you can potentially get a lower rate on your car insurance by exploring discounts such as multi-policy, good driver, or military discounts. Providers like Progressive and Dairyland offer various options. It’s beneficial to review your policy and compare rates regularly.
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Last Updated on by Brian Muse