Colorado Car Insurance
Colorado Car Insurance – Before You Start Driving Here
Whether you're hitting the slopes or heading to the office, make
sure you have valid Colorado car insurance when you drive in the Centennial
State. Drivers who fail to show proof of insurance can face penalties upwards
of $500, points added to their driving record, and in some cases suspended
licenses and community service hours. Drivers are also required to show proof
of insurance to the Colorado Bureau of Motor Vehicles in order to register
vehicles. If you need car insurance or want to switch companies, you can get
Colorado car insurance quotes online.
Ski Rack Requirements In Colorado
There are laws on vehicle height and driver visibility that
could cause you to be pulled over by the police. When fastening skis and other
equipment to the roof, drivers need to make sure there's no visual obstruction,
like ski tips that could block the driver's view through any of the vehicle's
windshields or windows. If you place a ski rack on a tall vehicle, like an SUV
or van, take notice that the rack does exceed the state's maximum allowable
height of 13 feet. Violations are subject to fines and surcharges.
Colorado Auto Insurance Minimum Requirements
Vehicle owners driving on Colorado roads are required to have at
least the following minimum limits on their insurance policy:
Bodily Injury: $25,000 per person, $50,000 per accident
Property Damage: $15,000 per accident
Uninsured Motorist: $25,000 per person, $50,000 per accident*
Medical Payments: $5,000 per accident*
*Uninsured Motorist and Medical Payments can be rejected by
signing an option form.
There are additional optional coverages that you may carry to
better protect yourself and your vehicles. A GEICO insurance counselor can
assist you in choosing the best coverage for your needs.
Colorado Teen Driver Licensing Process
For Colorado teens who want to get their license on their 16th
birthday, they'll need to start driver's education before age 15. Colorado
requires teens to have held a learner's permit for at least 12 months before
applying for a Colorado driver's license. Colorado law prohibits drivers
under 18 years of age from using a cell or mobile phone while driving unless it
is to contact the police, fire department or it is an emergency. Drivers 18 and
older may not use a cell or mobile telephone for text messaging while driving
unless it is to contact the police, fire department or it is an emergency.
The process for obtaining a driver’s license varies depends on
the driver's age:
- If you start at or before age
15 and 6 months, you must complete a 30-hour driver's education course
before you can apply for a learner's permit (minimum age 15). Permit
holders who have logged 50 hours driving time, completed a 6 hour
behind-the-wheel training course, and have held their permit for at least
12 months can then apply for a driver's license.
- If you start between age 15 and
6 months up to age 16, you can either complete a 30-hour driver's
education course or a 4-hour classroom driver awareness program to be
eligible for a learner's permit. Permit holders who have logged 50 hours
driving time (plus 6 hours behind-the-wheel training if you are younger
than 16 years and 6 months when you apply for a license) and who have held
their permit for at least 12 months can then apply for a driver's license.
- If you start at age 16 or 17,
there are no prior driver’s education requirements before being eligible
to apply for a learner's permit. Permit holders who have logged 50 hours
driving time and who have held their permit for at least 12 months can
then apply for a driver's license. Additional 6 hours behind-the-wheel
training is optional.
For the first year licensed, driving is prohibited between
midnight and 5 a.m. unless accompanied by an instructor, parent or legal
guardian.